MOGO INC (MOGO) Stock Fundamental Analysis

NASDAQ:MOGO • CA60800C2085

1.07 USD
+0.04 (+3.88%)
At close: Dec 31, 2025
1.09 USD
+0.02 (+1.87%)
After Hours: 12/31/2025, 8:17:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to MOGO. MOGO was compared to 54 industry peers in the Consumer Finance industry. MOGO has a bad profitability rating. Also its financial health evaluation is rather negative. MOGO has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

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.
MOGO Yearly Net Income VS EBIT VS OCF VS FCFMOGO 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

  • The Return On Assets of MOGO (4.20%) is better than 65.45% of its industry peers.
  • MOGO has a Return On Equity of 9.71%. This is in the lower half of the industry: MOGO underperforms 60.00% 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 Yearly ROA, ROE, ROICMOGO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

1.3 Margins

  • The Profit Margin of MOGO (10.86%) is comparable to the rest of the industry.
  • MOGO has a Gross Margin of 95.08%. 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 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 Yearly Profit, Operating, Gross MarginsMOGO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 200 -200

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • 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 Yearly Shares OutstandingMOGO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
MOGO Yearly Total Debt VS Total AssetsMOGO 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

  • Based on the Altman-Z score of -2.14, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
  • MOGO has a worse Altman-Z score (-2.14) than 69.09% of its industry peers.
  • 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 in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z -2.14
ROIC/WACCN/A
WACC10.34%
MOGO Yearly LT Debt VS Equity VS FCFMOGO 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

  • 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.
  • A Quick Ratio of 1.30 indicates that MOGO should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.30, MOGO is in line with its industry, outperforming 58.18% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
MOGO Yearly Current Assets VS Current LiabilitesMOGO 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

  • 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%.
  • 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)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

  • The Earnings Per Share is expected to grow by 12.76% on average over the next years. This is quite good.
  • 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 Yearly Revenue VS EstimatesMOGO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20M 40M 60M
MOGO Yearly EPS VS EstimatesMOGO 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

4

4. Valuation

4.1 Price/Earnings Ratio

  • MOGO is valuated cheaply with a Price/Earnings ratio of 4.46.
  • MOGO's Price/Earnings ratio is rather cheap when compared to the industry. MOGO is cheaper than 81.82% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MOGO to the average of the S&P500 Index (27.21), we can say MOGO is valued rather cheaply.
  • MOGO is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 4.46
Fwd PE N/A
MOGO Price Earnings VS Forward Price EarningsMOGO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as MOGO.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 20
MOGO Per share dataMOGO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2

4.3 Compensation for Growth

  • The 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)0.84
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

NASDAQ:MOGO (12/31/2025, 8:17:26 PM)

After market: 1.09 +0.02 (+1.87%)

1.07

+0.04 (+3.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-07
Earnings (Next)03-18
Inst Owners10.61%
Inst Owner Change-37.35%
Ins Owners8.31%
Ins Owner ChangeN/A
Market Cap25.65M
Revenue(TTM)69.27M
Net Income(TTM)7.52M
Analysts82.86
Price Target2.54 (137.38%)
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)-0.62%
PT rev (3m)0.74%
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 4.46
Fwd PE N/A
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 2.93
EV/EBITDA 20
EPS(TTM)0.24
EY22.43%
EPS(NY)-0.18
Fwd EYN/A
FCF(TTM)-0.1
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS2.08
BVpS2.33
TBVpS0.36
PEG (NY)0.84
PEG (5Y)N/A
Graham Number3.55
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 -2.14
F-Score7
WACC10.34%
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 FAQ

What is the ChartMill fundamental rating of MOGO INC (MOGO) stock?

ChartMill assigns a fundamental rating of 2 / 10 to MOGO.


Can you provide the valuation status for MOGO INC?

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.


What is the financial health of MOGO INC (MOGO) stock?

The financial health rating of MOGO INC (MOGO) is 2 / 10.