NFI.TO vs. GSY.TO
NFI.TO (NFI Group Inc.) and GSY.TO (goeasy Ltd.) are both stocks. NFI.TO operates in Auto Manufacturers (Consumer Cyclical), while GSY.TO operates in Credit Services (Financial Services). Over the past 10 years, NFI.TO returned -2.75%/yr vs 13.69%/yr for GSY.TO. At a 0.21 correlation, their price movements are largely independent.
Performance
NFI.TO vs. GSY.TO - Performance Comparison
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Returns By Period
In the year-to-date period, NFI.TO achieves a 61.60% return, which is significantly higher than GSY.TO's -63.10% return. Over the past 10 years, NFI.TO has underperformed GSY.TO with an annualized return of -2.75%, while GSY.TO has yielded a comparatively higher 13.69% annualized return.
NFI.TO
- 1D
- -1.65%
- 1M
- 10.53%
- 6M
- 45.90%
- YTD
- 61.60%
- 1Y
- 33.05%
- 3Y*
- 30.36%
- 5Y*
- -1.77%
- 10Y*
- -2.75%
- ALL TIME*
- 13.75%
GSY.TO
- 1D
- -4.93%
- 1M
- 16.47%
- 6M
- -62.45%
- YTD
- -63.10%
- 1Y
- -71.46%
- 3Y*
- -24.94%
- 5Y*
- -18.97%
- 10Y*
- 13.69%
- ALL TIME*
- 8.69%
NFI.TO vs. GSY.TO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
NFI.TO NFI Group Inc. | 61.60% | 10.86% | 2.26% | 43.80% | -52.48% | -12.91% | -5.15% | -17.27% | -34.92% | 35.34% |
GSY.TO goeasy Ltd. | -63.10% | -18.20% | 8.37% | 53.67% | -38.60% | 88.56% | 43.55% | 98.94% | -1.48% | 55.88% |
Correlation
The correlation between NFI.TO and GSY.TO is 0.16, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.16 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.22 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.27 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.24 |
Correlation (All Time) Calculated using the full available price history since Jan 24, 2012 | 0.21 |
The correlation between NFI.TO and GSY.TO shifts across timeframes, from 0.16 (1 year) to 0.27 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
NFI.TO:
CA$2.99B
GSY.TO:
CA$776.83M
NFI.TO:
-$1.01
GSY.TO:
-CA$16.33
NFI.TO:
0.59
GSY.TO:
0.47
NFI.TO:
3.56
GSY.TO:
1.00
NFI.TO:
$3.61B
GSY.TO:
CA$1.72B
NFI.TO:
$310.46M
GSY.TO:
CA$1.26B
NFI.TO:
-$26.27M
GSY.TO:
CA$820.25M
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Return for Risk
NFI.TO vs. GSY.TO — Risk / Return Rank
NFI.TO
GSY.TO
NFI.TO vs. GSY.TO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for NFI Group Inc. (NFI.TO) and goeasy Ltd. (GSY.TO). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| NFI.TO | GSY.TO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.81 | ||
| Sortino ratioReturn per unit of downside risk | +2.76 | ||
| Omega ratioGain probability vs. loss probability | 1.18 | 0.77 | +0.40 |
| Calmar ratioReturn relative to maximum drawdown | 0.95 | -0.83 | +1.77 |
| Martin ratioReturn relative to average drawdown | 1.99 | -1.29 | +3.28 |
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Drawdowns
NFI.TO vs. GSY.TO - Drawdown Comparison
The maximum NFI.TO drawdown since its inception was -86.03%, roughly equal to the maximum GSY.TO drawdown of -86.47%. Use the drawdown chart below to compare losses from any high point for NFI.TO and GSY.TO.
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Drawdown Indicators
| NFI.TO | GSY.TO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.03% | -86.47% | +0.44% |
Max Drawdown (1Y)Largest decline over 1 year | -35.11% | -86.47% | +51.36% |
Max Drawdown (3Y)Largest decline over 3 years | -48.37% | -86.47% | +38.10% |
Max Drawdown (5Y)Largest decline over 5 years | -76.95% | -86.47% | +9.52% |
Max Drawdown (10Y)Largest decline over 10 years | -86.03% | -86.47% | +0.44% |
Current DrawdownCurrent decline from peak | -50.30% | -77.00% | +26.70% |
Average DrawdownAverage peak-to-trough decline | -36.18% | -27.54% | -8.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.62% | 55.46% | -38.84% |
Volatility
NFI.TO vs. GSY.TO - Volatility Comparison
The current volatility for NFI Group Inc. (NFI.TO) is 9.13%, while goeasy Ltd. (GSY.TO) has a volatility of 16.27%. This indicates that NFI.TO experiences smaller price fluctuations and is considered to be less risky than GSY.TO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NFI.TO | GSY.TO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.13% | 16.27% | -7.14% |
Volatility (6M)Calculated over the trailing 6-month period | 24.48% | 97.20% | -72.72% |
Volatility (1Y)Calculated over the trailing 1-year period | 36.17% | 80.30% | -44.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 46.66% | 48.92% | -2.26% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 45.87% | 49.02% | -3.15% |
Dividends
NFI.TO vs. GSY.TO - Dividend Comparison
NFI.TO has not paid dividends to shareholders, while GSY.TO's dividend yield for the trailing twelve months is around 6.03%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
GSY.TO goeasy Ltd. | 6.03% | 4.45% | 2.81% | 2.43% | 3.42% | 1.47% | 1.86% | 1.78% | 2.52% | 1.94% | 2.05% | 2.11% |
NFI.TO NFI Group Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 1.67% | 4.20% | 3.53% | 6.38% | 4.26% | 2.25% | 2.17% | 2.15% |
Financials
NFI.TO vs. GSY.TO - Financials Comparison
This section allows you to compare key financial metrics between NFI Group Inc. and goeasy Ltd.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
NFI.TO vs. GSY.TO - Profitability Comparison
NFI.TO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, NFI Group Inc. reported a gross profit of 130.12M and revenue of 828.18M. Therefore, the gross margin over that period was 15.7%.
GSY.TO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, goeasy Ltd. reported a gross profit of 363.48M and revenue of 412.86M. Therefore, the gross margin over that period was 88.0%.
NFI.TO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, NFI Group Inc. reported an operating income of 59.26M and revenue of 828.18M, resulting in an operating margin of 7.2%.
GSY.TO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, goeasy Ltd. reported an operating income of 14.35M and revenue of 412.86M, resulting in an operating margin of 3.5%.
NFI.TO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, NFI Group Inc. reported a net income of 11.32M and revenue of 828.18M, resulting in a net margin of 1.4%.
GSY.TO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, goeasy Ltd. reported a net income of -52.99M and revenue of 412.86M, resulting in a net margin of -12.8%.
Frequently Asked Questions
NFI.TO and GSY.TO have a correlation of 0.16, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
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