MOGO INC (MOGO.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:MOGO - CA60800C2085 - Common Stock
1.65 CAD
-0.03 (-1.79%)
We assign a fundamental rating of 2 out of 10 to MOGO. MOGO was compared to 8 industry peers in the Consumer Finance industry. MOGO has a bad profitability rating. Also its financial health evaluation is rather negative. MOGO does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year MOGO was profitable.
- In the past year MOGO has reported a negative cash flow from operations.
- MOGO had negative earnings in each of the past 5 years.
- In the past 5 years MOGO reported 4 times negative operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.20%, MOGO is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 9.71%, MOGO is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.2% | ||
| ROE | 9.71% | ||
| 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 10.86% is in line compared to the rest of the industry. MOGO outperforms 50.00% of its industry peers.
- MOGO has a better Gross Margin (95.08%) than 87.50% 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) | 10.86% | ||
| GM | 95.08% |
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.
- The number of shares outstanding for MOGO has been increased compared to 5 years ago.
- The debt/assets ratio for MOGO is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of -2.12, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
- MOGO has a Altman-Z score of -2.12. This is in the lower half of the industry: MOGO underperforms 75.00% of its industry peers.
- MOGO has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
- MOGO has a Debt to Equity ratio of 1.09. This is comparable to the rest of the industry: MOGO outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -2.12 |
ROIC/WACCN/A
WACC9.54%
2.3 Liquidity
- MOGO has a Current Ratio of 1.30. This is a normal value and indicates that MOGO is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.30, MOGO is in line with its industry, outperforming 50.00% of the companies in the same industry.
- MOGO has a Quick Ratio of 1.30. This is a normal value and indicates that MOGO is financially healthy and should not expect problems in meeting its short term obligations.
- MOGO has a Quick ratio of 1.30. This is comparable to the rest of the industry: MOGO outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 176.74% over the past year.
- Looking at the last year, MOGO shows a decrease in Revenue. The Revenue has decreased by -1.49% in the last year.
- MOGO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.55% yearly.
EPS 1Y (TTM)176.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-600%
Revenue 1Y (TTM)-1.49%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-4.08%
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 12.76% yearly.
- Based on estimates for the next years, MOGO will show a small growth in Revenue. The Revenue will grow by 0.06% on average per year.
EPS Next Y5.29%
EPS Next 2Y12.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.18%
Revenue Next 2Y0.06%
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
- Based on the Price/Earnings ratio of 5.00, the valuation of MOGO can be described as very cheap.
- 75.00% of the companies in the same industry are more expensive than MOGO, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of MOGO to the average of the S&P500 Index (27.47), we can say MOGO is valued rather cheaply.
- MOGO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5 | ||
| Fwd PE | N/A |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, MOGO is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.88 |
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.
- A more expensive valuation may be justified as MOGO's earnings are expected to grow with 12.76% in the coming years.
PEG (NY)0.95
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- MOGO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
TSX:MOGO (1/16/2026, 7:00:00 PM)
1.65
-0.03 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-07 2025-11-07/bmo
Earnings (Next)03-18 2026-03-18/bmo
Inst Owners10.61%
Inst Owner ChangeN/A
Ins Owners8.31%
Ins Owner ChangeN/A
Market Cap39.55M
Revenue(TTM)69.27M
Net Income(TTM)7.52M
Analysts82.86
Price Target3.57 (116.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)1
Avg EPS beat(2)271.57%
Min EPS beat(2)-96.08%
Max EPS beat(2)639.22%
EPS beat(4)3
Avg EPS beat(4)167.69%
Min EPS beat(4)-96.08%
Max EPS beat(4)639.22%
EPS beat(8)6
Avg EPS beat(8)96.61%
EPS beat(12)10
Avg EPS beat(12)81.07%
EPS beat(16)13
Avg EPS beat(16)51.98%
Revenue beat(2)2
Avg Revenue beat(2)3.58%
Min Revenue beat(2)3.45%
Max Revenue beat(2)3.72%
Revenue beat(4)4
Avg Revenue beat(4)21.4%
Min Revenue beat(4)2.06%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.88%
Revenue beat(12)10
Avg Revenue beat(12)8.07%
Revenue beat(16)11
Avg Revenue beat(16)5.72%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5 | ||
| Fwd PE | N/A | ||
| P/S | 0.57 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.51 | ||
| P/tB | 3.26 | ||
| EV/EBITDA | 20.88 |
EPS(TTM)0.33
EY20%
EPS(NY)-0.25
Fwd EYN/A
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.04
OCFYN/A
SpS2.89
BVpS3.23
TBVpS0.51
PEG (NY)0.95
PEG (5Y)N/A
Graham Number4.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.2% | ||
| ROE | 9.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.86% | ||
| GM | 95.08% | ||
| FCFM | 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
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 16.06 | ||
| Cap/Depr | 30.66% | ||
| Cap/Sales | 3.52% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | -2.12 |
F-Score7
WACC9.54%
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)176.74%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-600%
EPS Next Y5.29%
EPS Next 2Y12.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.49%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-4.08%
Revenue Next Year-5.18%
Revenue Next 2Y0.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year234.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y70.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y87.72%
OCF growth 3YN/A
OCF growth 5YN/A
MOGO INC / MOGO.CA FAQ
What is the ChartMill fundamental rating of MOGO INC (MOGO.CA) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MOGO.CA.
Can you provide the valuation status for MOGO INC?
ChartMill assigns a valuation rating of 3 / 10 to MOGO INC (MOGO.CA). This can be considered as Overvalued.
What is the profitability of MOGO stock?
MOGO INC (MOGO.CA) has a profitability rating of 2 / 10.
What is the financial health of MOGO INC (MOGO.CA) stock?
The financial health rating of MOGO INC (MOGO.CA) is 2 / 10.