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MOGO INC (MOGO.CA) Stock Fundamental Analysis

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

2.72  -0.02 (-0.73%)

Fundamental Rating

2

MOGO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 6 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. MOGO is valued expensive and it does not seem to be growing.


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 had a positive cash flow from operations.
In the past 5 years MOGO always reported negative net income.
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

The Return On Assets of MOGO (-12.89%) is worse than 83.33% of its industry peers.
MOGO's Return On Equity of -31.77% is on the low side compared to the rest of the industry. MOGO is outperformed by 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

The Gross Margin of MOGO (92.42%) is better than 100.00% of its industry peers.
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.
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.
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 -2.21, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -2.21, MOGO is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
MOGO has a debt to FCF ratio of 565.78. This is a negative value and a sign of low solvency as MOGO would need 565.78 years to pay back of all of its debts.
MOGO has a Debt to FCF ratio of 565.78. This is amongst the best in the industry. MOGO outperforms 83.33% of its industry peers.
MOGO has a Debt/Equity ratio of 1.20. This is a high value indicating a heavy dependency on external 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 -2.21
ROIC/WACCN/A
WACC9.68%
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

A Current Ratio of 0.86 indicates that MOGO may have some problems paying its short term obligations.
With a Current ratio value of 0.86, MOGO perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
A Quick Ratio of 0.86 indicates that MOGO may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.86, MOGO is in line with its industry, outperforming 50.00% of the companies in the same industry.
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%.
MOGO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.55% yearly.
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

MOGO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.80% yearly.
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

MOGO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 -10 20 30

4.2 Price Multiples

MOGO's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, MOGO is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 452.78
EV/EBITDA 29.15
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

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

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MOGO INC

TSX:MOGO (7/17/2025, 7:00:00 PM)

2.72

-0.02 (-0.73%)

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 Cap66.56M
Analysts82.86
Price Target3.06 (12.5%)
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)-10.77%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.94
P/FCF 452.78
P/OCF 21.1
P/B 0.96
P/tB 62.5
EV/EBITDA 29.15
EPS(TTM)-0.25
EYN/A
EPS(NY)-0.27
Fwd EYN/A
FCF(TTM)0.01
FCFY0.22%
OCF(TTM)0.13
OCFY4.74%
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 -2.21
F-Score4
WACC9.68%
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