MOGO INC (MOGO) Fundamental Analysis & Valuation

NASDAQ:MOGO • CA60800C2085

Current stock price

1.07 USD
+0.04 (+3.88%)
At close:
1.09 USD
+0.02 (+1.87%)
After Hours:

This MOGO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MOGO Profitability Analysis

1.1 Basic Checks

  • In the past year MOGO was profitable.
  • MOGO had a negative operating cash flow in the past year.
  • In the past 5 years MOGO always reported negative net income.
  • MOGO had negative operating cash flow in 4 of the past 5 years.
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

  • MOGO has a better Return On Assets (4.20%) 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

  • With a Profit Margin value of 10.86%, MOGO perfoms like the industry average, outperforming 49.09% of the companies in the same industry.
  • MOGO's Gross Margin of 95.08% is amongst the best of 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

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2

2. MOGO Health Analysis

2.1 Basic Checks

  • MOGO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • MOGO has about the same amout of shares outstanding than it did 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.
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.
  • The Altman-Z score of MOGO (-2.14) is worse 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.
  • MOGO has a Current ratio (1.30) which is in line with its industry peers.
  • 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.
  • 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

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

3

3. MOGO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 176.74% over the past year.
  • Looking at the last year, MOGO shows a decrease in Revenue. The Revenue has decreased by -1.49% 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)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 12.76% on average per year.
  • 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

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4

4. MOGO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.46, the valuation of MOGO can be described as very cheap.
  • 81.82% of the companies in the same industry are more expensive than MOGO, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 24.88. 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 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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MOGO is on the same level as its industry peers.
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

  • 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 12.76% in the coming years. This may justify a more expensive valuation.
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. MOGO Dividend Analysis

5.1 Amount

  • No dividends for MOGO!.
Industry RankSector Rank
Dividend Yield 0%

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MOGO Fundamentals: All Metrics, Ratios and Statistics

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 Fundamental Analysis 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.