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  5. GSY: Big banks TD and RY trim and add to GSY and PRL. [goeasy Ltd.]
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Q: Big banks TD and RY trim and add to GSY and PRL. Is it time to begin ---- wait ----or not at all?
Asked by joe on October 06, 2025
5i Research Answer:

We continue to like PRL and GSY, and while some reports of higher delinquencies and the potential for lower rates to impact their businesses could come to fruition, we feel that these names are high-quality, have good balance sheets, are improving their fundamentals and market share, and continue to trade at attractive valuations. We are not huge fans of their negative momentum recently though, and we would prefer to make a switch from a large-cap, high-quality name like TD or RY once the smaller consumer lenders have stabilized a bit more.