MOGO INC (MOGO.CA) Stock Fundamental Analysis
Canada - TSX:MOGO - CA60800C2085 - Common Stock
2.7 CAD
-0.04 (-1.46%)
We assign a fundamental rating of 3 out of 10 to MOGO. MOGO was compared to 6 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. MOGO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
MOGO had positive 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.
MOGO had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
MOGO's Return On Assets of 2.14% is on the low side compared to the rest of the industry. MOGO is outperformed by 66.67% of its industry peers.
With a Return On Equity value of 4.80%, MOGO is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| 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
Looking at the Profit Margin, with a value of 5.60%, MOGO is in line with its industry, outperforming 50.00% of the companies in the same industry.
With an excellent Gross Margin value of 93.90%, MOGO belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
MOGO's Gross Margin has declined in the last couple of years.
| 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.
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.
Compared to 1 year ago, MOGO has a worse debt to assets ratio.
2.2 Solvency
MOGO has an Altman-Z score of -1.92. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -1.92, MOGO is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
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.
MOGO has a Debt to FCF ratio of 103.02. This is amongst the best in the industry. MOGO outperforms 83.33% of its industry peers.
A Debt/Equity ratio of 1.02 is on the high side and indicates that MOGO has dependencies on debt financing.
MOGO has a Debt to Equity ratio of 1.02. This is comparable to the rest of the industry: MOGO outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Altman-Z | -1.92 |
ROIC/WACCN/A
WACC11.16%
2.3 Liquidity
A Current Ratio of 0.82 indicates that MOGO may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.82, MOGO is doing worse than 83.33% of the companies in the same industry.
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
The Earnings Per Share has grown by an impressive 188.24% over the past year.
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.
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 Y24.23%
EPS Next 2Y17.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.8%
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
With a Price/Earnings ratio of 6.00, the valuation of MOGO can be described as very cheap.
Based on the Price/Earnings ratio, MOGO is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of MOGO to the average of the S&P500 Index (27.91), we can say MOGO is valued rather cheaply.
The Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6 | ||
| Fwd PE | N/A |
4.2 Price Multiples
MOGO's Enterprise Value to EBITDA ratio is in line with the industry average.
MOGO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MOGO is cheaper than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 81.97 | ||
| EV/EBITDA | 26.11 |
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.
MOGO's earnings are expected to grow with 17.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
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 (10/8/2025, 7:00:00 PM)
2.7
-0.04 (-1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners13.7%
Inst Owner ChangeN/A
Ins Owners8.07%
Ins Owner ChangeN/A
Market Cap66.07M
Analysts82.86
Price Target3.57 (32.22%)
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)0%
PT rev (3m)16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)10.34%
EPS NY rev (3m)23.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6 | ||
| Fwd PE | N/A | ||
| P/S | 0.94 | ||
| P/FCF | 81.97 | ||
| P/OCF | 18.57 | ||
| P/B | 0.81 | ||
| P/tB | 4.42 | ||
| EV/EBITDA | 26.11 |
EPS(TTM)0.45
EY16.67%
EPS(NY)-0.22
Fwd EYN/A
FCF(TTM)0.03
FCFY1.22%
OCF(TTM)0.15
OCFY5.39%
SpS2.86
BVpS3.33
TBVpS0.61
PEG (NY)0.25
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 | -1.92 |
F-Score7
WACC11.16%
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 Y24.23%
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 2Y0.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y41.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year236.31%
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