MOGO INC (MOGO.CA) Stock Fundamental Analysis
Canada - TSX:MOGO - CA60800C2085 - Common Stock
2.65 CAD
+0.07 (+2.71%)
Taking everything into account, MOGO scores 3 out of 10 in our fundamental rating. MOGO was compared to 6 industry peers in the Consumer Finance industry. MOGO may be in some trouble as it scores bad on both profitability and health. MOGO has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MOGO had positive earnings in the past year.
MOGO had a positive operating cash flow in the past year.
MOGO had negative earnings in each of the past 5 years.
MOGO had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
MOGO has a Return On Assets of 2.14%. This is in the lower half of the industry: MOGO underperforms 66.67% of its industry peers.
MOGO has a Return On Equity of 4.80%. This is in the lower half of the industry: MOGO underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.8% | ||
| 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
1.3 Margins
MOGO's Profit Margin of 5.60% is in line compared to the rest of the industry. MOGO outperforms 50.00% of its industry peers.
MOGO has a Gross Margin of 93.90%. This is amongst the best in the industry. MOGO outperforms 100.00% of its industry peers.
In the last couple of years the Gross Margin of MOGO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.6% | ||
| GM | 93.9% |
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%
2. Health
2.1 Basic Checks
MOGO does not have a ROIC to compare to the WACC, probably because it is not profitable.
MOGO has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, MOGO has more shares outstanding
MOGO has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.93, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
MOGO has a Altman-Z score of -1.93. This is in the lower half of the industry: MOGO underperforms 66.67% of its industry peers.
The Debt to FCF ratio of MOGO is 103.02, which is on the high side as it means it would take MOGO, 103.02 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 103.02, MOGO belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
A Debt/Equity ratio of 1.02 is on the high side and indicates that MOGO has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.02, MOGO is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Altman-Z | -1.93 |
ROIC/WACCN/A
WACC11.15%
2.3 Liquidity
MOGO has a Current Ratio of 0.82. 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 0.82. This is amonst the worse of the industry: MOGO underperforms 83.33% of its industry peers.
A Quick Ratio of 0.82 indicates that MOGO may have some problems paying its short term obligations.
MOGO has a worse Quick ratio (0.82) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
MOGO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 188.24%, which is quite impressive.
MOGO shows a small growth in Revenue. In the last year, the Revenue has grown by 1.71%.
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)188.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%466.67%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.53%
3.2 Future
MOGO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.19% yearly.
MOGO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.01% yearly.
EPS Next Y15.49%
EPS Next 2Y17.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.8%
Revenue Next 2Y-1.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.89 indicates a rather cheap valuation of MOGO.
MOGO's Price/Earnings ratio is rather cheap when compared to the industry. MOGO is cheaper than 100.00% of the companies in the same industry.
MOGO is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
MOGO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MOGO is on the same level as its industry peers.
83.33% of the companies in the same industry are more expensive than MOGO, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 80.45 | ||
| EV/EBITDA | 25.7 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
MOGO's earnings are expected to grow with 17.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y17.19%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MOGO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TSX:MOGO (9/12/2025, 7:00:00 PM)
2.65
+0.07 (+2.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.45%
Inst Owner ChangeN/A
Ins Owners7.81%
Ins Owner ChangeN/A
Market Cap64.85M
Analysts82.86
Price Target3.57 (34.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)341.6%
Min EPS beat(2)43.98%
Max EPS beat(2)639.22%
EPS beat(4)4
Avg EPS beat(4)213.55%
Min EPS beat(4)43.98%
Max EPS beat(4)639.22%
EPS beat(8)7
Avg EPS beat(8)113.46%
EPS beat(12)11
Avg EPS beat(12)91.13%
EPS beat(16)14
Avg EPS beat(16)58.11%
Revenue beat(2)2
Avg Revenue beat(2)2.89%
Min Revenue beat(2)2.06%
Max Revenue beat(2)3.72%
Revenue beat(4)3
Avg Revenue beat(4)19.55%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.66%
Revenue beat(12)9
Avg Revenue beat(12)7.46%
Revenue beat(16)11
Avg Revenue beat(16)5.83%
PT rev (1m)16.67%
PT rev (3m)16.67%
EPS NQ rev (1m)6.67%
EPS NQ rev (3m)N/A
EPS NY rev (1m)14.71%
EPS NY rev (3m)14.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.46%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | N/A | ||
| P/S | 0.93 | ||
| P/FCF | 80.45 | ||
| P/OCF | 18.23 | ||
| P/B | 0.79 | ||
| P/tB | 4.34 | ||
| EV/EBITDA | 25.7 |
EPS(TTM)0.45
EY16.98%
EPS(NY)-0.22
Fwd EYN/A
FCF(TTM)0.03
FCFY1.24%
OCF(TTM)0.15
OCFY5.49%
SpS2.86
BVpS3.33
TBVpS0.61
PEG (NY)0.38
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.6% | ||
| GM | 93.9% | ||
| FCFM | 1.15% |
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-Score7
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Debt/EBITDA | 15.27 | ||
| Cap/Depr | 34.65% | ||
| Cap/Sales | 3.93% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 65.43% | ||
| Profit Quality | 20.57% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | -1.93 |
F-Score7
WACC11.15%
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)188.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%466.67%
EPS Next Y15.49%
EPS Next 2Y17.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.71%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.53%
Revenue Next Year-5.8%
Revenue Next 2Y-1.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y41.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year207.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y105.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y136.38%
OCF growth 3YN/A
OCF growth 5YN/A