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MOGO INC (MOGO.CA) Stock Fundamental Analysis

TSX:MOGO - Toronto Stock Exchange - CA60800C2085 - Common Stock - Currency: CAD

2.165  -0.08 (-3.35%)

Fundamental Rating

2

Overall MOGO gets a fundamental rating of 2 out of 10. We evaluated MOGO against 6 industry peers in the Consumer Finance industry. MOGO has a bad profitability rating. Also its financial health evaluation is rather negative. MOGO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year MOGO has reported negative net income.
MOGO had a positive operating cash flow in the past year.
MOGO had negative earnings in each of the past 5 years.
In the past 5 years MOGO reported 4 times negative operating cash flow.
MOGO.CA Yearly Net Income VS EBIT VS OCF VS FCFMOGO.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M -150M

1.2 Ratios

Looking at the Return On Assets, with a value of -12.89%, MOGO is doing worse than 83.33% of the companies in the same industry.
MOGO has a Return On Equity of -31.77%. This is in the lower half of the industry: MOGO underperforms 66.67% of its industry peers.
Industry RankSector Rank
ROA -12.89%
ROE -31.77%
ROIC N/A
ROA(3y)-30.21%
ROA(5y)-22.38%
ROE(3y)-61.77%
ROE(5y)-91.26%
ROIC(3y)N/A
ROIC(5y)N/A
MOGO.CA Yearly ROA, ROE, ROICMOGO.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

1.3 Margins

With an excellent Gross Margin value of 92.42%, MOGO belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Gross Margin of MOGO has declined.
The Profit Margin and Operating Margin are not available for MOGO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 92.42%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y-1.57%
MOGO.CA Yearly Profit, Operating, Gross MarginsMOGO.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 200 -200

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2

2. Health

2.1 Basic Checks

MOGO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for MOGO remains at a similar level compared to 1 year ago.
Compared to 5 years ago, MOGO has more shares outstanding
MOGO has a worse debt/assets ratio than last year.
MOGO.CA Yearly Shares OutstandingMOGO.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
MOGO.CA Yearly Total Debt VS Total AssetsMOGO.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

Based on the Altman-Z score of -2.28, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
MOGO's Altman-Z score of -2.28 is on the low side compared to the rest of the industry. MOGO is outperformed by 66.67% of its industry peers.
The Debt to FCF ratio of MOGO is 565.78, which is on the high side as it means it would take MOGO, 565.78 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MOGO (565.78) is better than 83.33% of its industry peers.
A Debt/Equity ratio of 1.20 is on the high side and indicates that MOGO has dependencies on debt financing.
The Debt to Equity ratio of MOGO (1.20) is worse than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 565.78
Altman-Z -2.28
ROIC/WACCN/A
WACC8.85%
MOGO.CA Yearly LT Debt VS Equity VS FCFMOGO.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

MOGO has a Current Ratio of 0.86. This is a bad value and indicates that MOGO is not financially healthy enough and could expect problems in meeting its short term obligations.
MOGO has a Current ratio of 0.86. This is comparable to the rest of the industry: MOGO outperforms 50.00% of its industry peers.
A Quick Ratio of 0.86 indicates that MOGO may have some problems paying its short term obligations.
MOGO's Quick ratio of 0.86 is in line compared to the rest of the industry. MOGO outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
MOGO.CA Yearly Current Assets VS Current LiabilitesMOGO.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 37.50% over the past year.
MOGO shows a small growth in Revenue. In the last year, the Revenue has grown by 4.96%.
Measured over the past years, MOGO shows a small growth in Revenue. The Revenue has been growing by 3.55% on average per year.
EPS 1Y (TTM)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)4.96%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.32%

3.2 Future

Based on estimates for the next years, MOGO will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.80% on average per year.
Based on estimates for the next years, MOGO will show a decrease in Revenue. The Revenue will decrease by -0.87% on average per year.
EPS Next Y0.91%
EPS Next 2Y10.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.44%
Revenue Next 2Y-0.87%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MOGO.CA Yearly Revenue VS EstimatesMOGO.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20M -20M 40M 60M
MOGO.CA Yearly EPS VS EstimatesMOGO.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 -0.5 -1 -1.5 -2

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MOGO. In the last year negative earnings were reported.
Also next year MOGO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
MOGO.CA Price Earnings VS Forward Price EarningsMOGO.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

MOGO's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MOGO indicates a rather cheap valuation: MOGO is cheaper than 83.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 360.39
EV/EBITDA 26.7
MOGO.CA Per share dataMOGO.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.8%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

MOGO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MOGO INC

TSX:MOGO (8/1/2025, 7:00:00 PM)

2.165

-0.08 (-3.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners16.45%
Inst Owner ChangeN/A
Ins Owners7.81%
Ins Owner ChangeN/A
Market Cap52.98M
Analysts82.86
Price Target3.06 (41.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)63.82%
Min EPS beat(2)43.98%
Max EPS beat(2)83.66%
EPS beat(4)4
Avg EPS beat(4)55.03%
Min EPS beat(4)5.12%
Max EPS beat(4)87.35%
EPS beat(8)7
Avg EPS beat(8)43.34%
EPS beat(12)11
Avg EPS beat(12)39.87%
EPS beat(16)13
Avg EPS beat(16)16.24%
Revenue beat(2)2
Avg Revenue beat(2)39.22%
Min Revenue beat(2)2.06%
Max Revenue beat(2)76.38%
Revenue beat(4)2
Avg Revenue beat(4)18.24%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.44%
Revenue beat(12)8
Avg Revenue beat(12)6.93%
Revenue beat(16)11
Avg Revenue beat(16)5.87%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.75
P/FCF 360.39
P/OCF 16.79
P/B 0.77
P/tB 49.74
EV/EBITDA 26.7
EPS(TTM)-0.25
EYN/A
EPS(NY)-0.27
Fwd EYN/A
FCF(TTM)0.01
FCFY0.28%
OCF(TTM)0.13
OCFY5.96%
SpS2.89
BVpS2.82
TBVpS0.04
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -12.89%
ROE -31.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 92.42%
FCFM 0.21%
ROA(3y)-30.21%
ROA(5y)-22.38%
ROE(3y)-61.77%
ROE(5y)-91.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y-1.57%
F-Score4
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 565.78
Debt/EBITDA 17.33
Cap/Depr 37.61%
Cap/Sales 4.26%
Interest Coverage N/A
Cash Conversion 65.73%
Profit Quality N/A
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z -2.28
F-Score4
WACC8.85%
ROIC/WACCN/A
Cap/Depr(3y)46.4%
Cap/Depr(5y)51.81%
Cap/Sales(3y)7.11%
Cap/Sales(5y)9.22%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y0.91%
EPS Next 2Y10.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.96%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.32%
Revenue Next Year-7.44%
Revenue Next 2Y-0.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y22.27%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year207.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y100.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.9%
OCF growth 3YN/A
OCF growth 5YN/A