MOGO INC (MOGO) Stock Fundamental Analysis
USA - NASDAQ:MOGO - CA60800C2085 - Common Stock
1.4 USD
-0.02 (-1.41%)
1.37 USD
-0.03 (-2.14%)
Overall MOGO gets a fundamental rating of 2 out of 10. We evaluated MOGO against 55 industry peers in the Consumer Finance industry. MOGO may be in some trouble as it scores bad on both profitability and health. MOGO has a decent growth rate and is not valued too expensively.
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.
MOGO had negative earnings in each of the past 5 years.
In the past 5 years MOGO reported 4 times negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.14%, MOGO is in line with its industry, outperforming 50.91% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.80%, MOGO is doing worse than 65.45% of the companies in the same industry.
| 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
With a Profit Margin value of 5.60%, MOGO is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
MOGO has a Gross Margin of 93.90%. This is amongst the best in the industry. MOGO outperforms 90.91% of its industry peers.
In the last couple of years the Gross Margin of MOGO has declined.
| 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.
Compared to 5 years ago, MOGO has more shares outstanding
Compared to 1 year ago, MOGO has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -2.03, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
MOGO's Altman-Z score of -2.03 is on the low side compared to the rest of the industry. MOGO is outperformed by 69.09% of its industry peers.
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.
With a Debt to FCF ratio value of 103.02, MOGO perfoms like the industry average, outperforming 41.82% of the companies in the same industry.
MOGO has a Debt/Equity ratio of 1.02. This is a high value indicating a heavy dependency on external financing.
MOGO has a Debt to Equity ratio of 1.02. This is comparable to the rest of the industry: MOGO outperforms 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Altman-Z | -2.03 |
ROIC/WACCN/A
WACC10.67%
2.3 Liquidity
MOGO has a Current Ratio of 0.82. 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 (0.82) which is in line with its industry peers.
A Quick Ratio of 0.82 indicates that MOGO may have some problems paying its short term obligations.
MOGO's Quick ratio of 0.82 is in line compared to the rest of the industry. MOGO outperforms 45.45% 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.
Looking at the last year, MOGO shows a small growth in Revenue. The Revenue has grown by 1.71% in the last year.
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
The Earnings Per Share is expected to grow by 17.19% on average over the next years. This is quite good.
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
A Price/Earnings ratio of 4.38 indicates a rather cheap valuation of MOGO.
Based on the Price/Earnings ratio, MOGO is valued cheaply inside the industry as 83.64% of the companies are valued more expensively.
MOGO is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
MOGO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.38 | ||
| 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 in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 59.97 | ||
| EV/EBITDA | 22.66 |
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)0.18
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 |
1.4
-0.02 (-1.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners13.7%
Inst Owner Change-1.37%
Ins Owners8.07%
Ins Owner ChangeN/A
Market Cap34.26M
Revenue(TTM)69.99M
Net Income(TTM)3.92M
Analysts82.86
Price Target2.51 (79.29%)
Short Float %1.56%
Short Ratio1.35
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)-0.4%
PT rev (3m)11.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.67%
EPS NY rev (1m)0%
EPS NY rev (3m)23.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.38 | ||
| Fwd PE | N/A | ||
| P/S | 0.69 | ||
| P/FCF | 59.97 | ||
| P/OCF | 13.58 | ||
| P/B | 0.59 | ||
| P/tB | 3.24 | ||
| EV/EBITDA | 22.66 |
EPS(TTM)0.32
EY22.86%
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)0.02
FCFY1.67%
OCF(TTM)0.1
OCFY7.36%
SpS2.03
BVpS2.36
TBVpS0.43
PEG (NY)0.18
PEG (5Y)N/A
Graham Number4.12
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
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 Turnover0.38
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 | -2.03 |
F-Score7
WACC10.67%
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)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
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 5 / 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 4.38 and the Price/Book (PB) ratio is 0.59.