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MOGO INC (MOGO.CA) Stock Fundamental Analysis

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

1.79  -0.32 (-15.17%)

Fundamental Rating

1

Overall MOGO gets a fundamental rating of 1 out of 10. We evaluated MOGO against 7 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. 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

MOGO had negative earnings in the past year.
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.
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

MOGO has a Return On Assets of -7.21%. This is amonst the worse of the industry: MOGO underperforms 85.71% of its industry peers.
With a Return On Equity value of -16.84%, MOGO is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -7.21%
ROE -16.84%
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

MOGO has a better Gross Margin (91.42%) than 100.00% of its industry peers.
MOGO's Gross Margin has declined in the last couple of years.
MOGO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 91.42%
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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1

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.
MOGO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MOGO is higher compared to a year ago.
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

MOGO has an Altman-Z score of -2.01. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of MOGO (-2.01) is worse than 71.43% of its industry peers.
MOGO has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
MOGO's Debt to Equity ratio of 1.05 is in line compared to the rest of the industry. MOGO outperforms 42.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Altman-Z -2.01
ROIC/WACCN/A
WACC9.67%
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 0.88. 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 0.88. This is comparable to the rest of the industry: MOGO outperforms 42.86% of its industry peers.
A Quick Ratio of 0.88 indicates that MOGO may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.88, MOGO is in line with its industry, outperforming 57.14% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.88
Quick Ratio 0.88
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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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.26% over the past year.
Looking at the last year, MOGO shows a quite strong growth in Revenue. The Revenue has grown by 9.17% in the last year.
The Revenue has been growing slightly by 3.55% on average over the past years.
EPS 1Y (TTM)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
Revenue 1Y (TTM)9.17%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%81.34%

3.2 Future

The Earnings Per Share is expected to grow by 10.80% on average over the next years. This is quite good.
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

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.
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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0

4. Valuation

4.1 Price/Earnings Ratio

MOGO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
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

4.2 Price Multiples

MOGO's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 25.66
MOGO.CA Per share dataMOGO.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

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

No dividends for MOGO!.
Industry RankSector Rank
Dividend Yield N/A

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MOGO INC

TSX:MOGO (5/14/2025, 7:00:00 PM)

1.79

-0.32 (-15.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-07 2025-05-07
Earnings (Next)08-06 2025-08-06
Inst Owners10.35%
Inst Owner ChangeN/A
Ins Owners7.01%
Ins Owner ChangeN/A
Market Cap43.80M
Analysts82.86
Price Target3.06 (70.95%)
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)85.51%
Min EPS beat(2)83.66%
Max EPS beat(2)87.35%
EPS beat(4)4
Avg EPS beat(4)47.25%
Min EPS beat(4)5.12%
Max EPS beat(4)87.35%
EPS beat(8)7
Avg EPS beat(8)42.17%
EPS beat(12)11
Avg EPS beat(12)36.56%
EPS beat(16)13
Avg EPS beat(16)15.14%
Revenue beat(2)1
Avg Revenue beat(2)36.21%
Min Revenue beat(2)-3.96%
Max Revenue beat(2)76.38%
Revenue beat(4)2
Avg Revenue beat(4)18.16%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.48%
Revenue beat(12)7
Avg Revenue beat(12)6.48%
Revenue beat(16)11
Avg Revenue beat(16)5.88%
PT rev (1m)0%
PT rev (3m)-25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)10.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-10.77%
Revenue NY rev (3m)-10.77%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.62
P/FCF N/A
P/OCF N/A
P/B 0.54
P/tB 3.72
EV/EBITDA 25.66
EPS(TTM)-0.35
EYN/A
EPS(NY)-0.35
Fwd EYN/A
FCF(TTM)-0.18
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS2.91
BVpS3.32
TBVpS0.48
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.21%
ROE -16.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 91.42%
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
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 Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF N/A
Debt/EBITDA 18.17
Cap/Depr 38.65%
Cap/Sales 4.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.88
Quick Ratio 0.88
Altman-Z -2.01
F-Score4
WACC9.67%
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)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
EPS Next Y0.91%
EPS Next 2Y10.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.17%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%81.34%
Revenue Next Year-7.44%
Revenue Next 2Y-0.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y4.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year205.62%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y64.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y86.14%
OCF growth 3YN/A
OCF growth 5YN/A