MOGO INC (MOGO.CA) Stock Fundamental Analysis

TSX:MOGO • CA60800C2085

1.58 CAD
+0.09 (+6.04%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, MOGO scores 2 out of 10 in our fundamental rating. 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • MOGO had positive 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.
  • MOGO had negative operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M -150M

1.2 Ratios

  • MOGO's Return On Assets of 4.20% is fine compared to the rest of the industry. MOGO outperforms 62.50% of its industry peers.
  • MOGO's Return On Equity of 9.71% is on the low side compared to the rest of the industry. MOGO is outperformed by 62.50% of its industry peers.
Industry RankSector 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
MOGO.CA Yearly ROA, ROE, ROICMOGO.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

1.3 Margins

  • MOGO's Profit Margin of 10.86% is on the low side compared to the rest of the industry. MOGO is outperformed by 62.50% of its industry peers.
  • MOGO's Gross Margin of 95.08% is amongst the best of the industry. MOGO outperforms 87.50% of its industry peers.
  • In the last couple of years the Gross Margin of MOGO has declined.
Industry RankSector 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%
MOGO.CA Yearly Profit, Operating, Gross MarginsMOGO.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
  • Compared to 1 year ago, MOGO has about the same amount of shares outstanding.
  • The number of shares outstanding for MOGO has been increased compared to 5 years ago.
  • Compared to 1 year ago, MOGO has a worse debt to assets ratio.
MOGO.CA Yearly Shares OutstandingMOGO.CA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • MOGO has an Altman-Z score of -2.13. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -2.13, MOGO is doing worse than 62.50% of the companies in the same industry.
  • 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 (1.09) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z -2.13
ROIC/WACCN/A
WACC9.5%
MOGO.CA Yearly LT Debt VS Equity VS FCFMOGO.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

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.
  • MOGO has a Current ratio (1.30) which is in line with its industry peers.
  • A Quick Ratio of 1.30 indicates that MOGO should not have too much problems paying its short term obligations.
  • The Quick ratio of MOGO (1.30) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
MOGO.CA Yearly Current Assets VS Current LiabilitesMOGO.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • MOGO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 176.74%, which is quite impressive.
  • MOGO shows a decrease in Revenue. In the last year, the revenue decreased by -1.49%.
  • 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.
  • The Revenue is expected to grow by 0.06% on average over the next years.
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

  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 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 -2.5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 4.79, which indicates a rather cheap valuation of MOGO.
  • Based on the Price/Earnings ratio, MOGO is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
  • MOGO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
  • MOGO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 4.79
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 a bit more expensive when compared to the industry. MOGO is more expensive than 62.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 20.43
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

  • MOGO's 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)0.91
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • MOGO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

MOGO INC

TSX:MOGO (2/13/2026, 7:00:00 PM)

1.58

+0.09 (+6.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-07
Earnings (Next)03-18
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap37.87M
Revenue(TTM)69.27M
Net Income(TTM)7.52M
Analysts82.86
Price Target3.57 (125.95%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 4.79
Fwd PE N/A
P/S 0.55
P/FCF N/A
P/OCF N/A
P/B 0.49
P/tB 3.12
EV/EBITDA 20.43
EPS(TTM)0.33
EY20.89%
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)0.91
PEG (5Y)N/A
Graham Number4.9
Profitability
Industry RankSector 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 RankSector 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 -2.13
F-Score7
WACC9.5%
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.