1.19 USD
-0.02 (-1.65%)
MOGO gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. MOGO is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MOGO had positive earnings in the past year.
MOGO had a negative operating cash flow in the past year.
In the past 5 years MOGO always reported negative net income.
In the past 5 years MOGO reported 4 times negative operating cash flow.
1.2 Ratios
MOGO has a better Return On Assets (4.20%) than 69.09% of its industry peers.
The Return On Equity of MOGO (9.71%) is comparable to the rest of the 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 52.73% of its industry peers.
Looking at the Gross Margin, with a value of 95.08%, MOGO belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.
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.
Compared to 1 year ago, MOGO has about the same amount of shares outstanding.
Compared to 5 years ago, MOGO has more shares outstanding
The debt/assets ratio for MOGO is higher compared to a year ago.
2.2 Solvency
MOGO has an Altman-Z score of -2.12. 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 -2.12, MOGO is doing worse than 70.91% 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 of 1.09. This is comparable to the rest of the industry: MOGO outperforms 58.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -2.12 |
ROIC/WACCN/A
WACC10.44%
2.3 Liquidity
A Current Ratio of 1.30 indicates that MOGO should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.30, MOGO is in line with its industry, outperforming 58.18% 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 58.18% 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.
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
Based on estimates for the next years, MOGO will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.19% on average per year.
The Revenue is expected to grow by 0.06% on average over the next years.
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 4.96, the valuation of MOGO can be described as very cheap.
Based on the Price/Earnings ratio, MOGO is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.46. MOGO is valued rather cheaply when compared to this.
The Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.96 | ||
| Fwd PE | N/A |
4.2 Price Multiples
MOGO's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.93 |
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 17.19% in the coming years.
PEG (NY)0.2
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 |
NASDAQ:MOGO (12/5/2025, 8:00:00 PM)
1.19
-0.02 (-1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners13.7%
Inst Owner Change-40.06%
Ins Owners8.07%
Ins Owner ChangeN/A
Market Cap28.52M
Revenue(TTM)69.27M
Net Income(TTM)7.52M
Analysts82.86
Price Target2.55 (114.29%)
Short Float %1.48%
Short Ratio1.73
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)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)1.24%
PT rev (3m)-0.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)0%
EPS NY rev (3m)10.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.96 | ||
| Fwd PE | N/A | ||
| P/S | 0.58 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.51 | ||
| P/tB | 3.28 | ||
| EV/EBITDA | 20.93 |
EPS(TTM)0.24
EY20.17%
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)-0.1
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS2.07
BVpS2.31
TBVpS0.36
PEG (NY)0.2
PEG (5Y)N/A
Graham Number3.53
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
WACC10.44%
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 Y24.23%
EPS Next 2Y17.19%
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-5.8%
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 Year236.31%
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 FAQ
What is the ChartMill fundamental rating of MOGO INC (MOGO) stock?
ChartMill assigns a fundamental rating of 2 / 10 to MOGO.
What is the valuation status for MOGO stock?
ChartMill assigns a valuation rating of 4 / 10 to MOGO INC (MOGO). This can be considered as Fairly Valued.
What is the profitability of MOGO stock?
MOGO INC (MOGO) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for MOGO stock?
The Price/Earnings (PE) ratio for MOGO INC (MOGO) is 4.96 and the Price/Book (PB) ratio is 0.51.