Logo image of MOGO

MOGO INC (MOGO) Stock Fundamental Analysis

NASDAQ:MOGO - Nasdaq - CA60800C2085 - Common Stock - Currency: USD

1.92  -0.04 (-2.04%)

Fundamental Rating

1

MOGO gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. MOGO is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

MOGO had negative 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M -150M

1.2 Ratios

MOGO's Return On Assets of -12.89% is on the low side compared to the rest of the industry. MOGO is outperformed by 88.68% of its industry peers.
Looking at the Return On Equity, with a value of -31.77%, MOGO is doing worse than 84.91% of the companies in the same industry.
Industry RankSector Rank
ROA -12.89%
ROE -31.77%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

1.3 Margins

Looking at the Gross Margin, with a value of 92.42%, MOGO belongs to the top of the industry, outperforming 86.79% of the companies in the same industry.
MOGO's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for MOGO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 92.42%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 200 -200

More info and screens

1

2. Health

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.
The debt/assets ratio for MOGO is higher compared to a year ago.
MOGO Yearly Shares OutstandingMOGO Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

MOGO has an Altman-Z score of -2.22. 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 -2.22, MOGO is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
MOGO has a debt to FCF ratio of 565.78. This is a negative value and a sign of low solvency as MOGO would need 565.78 years to pay back of all of its debts.
With a Debt to FCF ratio value of 565.78, MOGO is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.20 is on the high side and indicates that MOGO has dependencies on debt financing.
MOGO has a Debt to Equity ratio (1.20) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 565.78
Altman-Z -2.22
ROIC/WACCN/A
WACC10.71%
MOGO Yearly LT Debt VS Equity VS FCFMOGO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

MOGO has a Current Ratio of 0.86. This is a bad value and indicates that MOGO is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.86, MOGO perfoms like the industry average, outperforming 45.28% of the companies in the same industry.
A Quick Ratio of 0.86 indicates that MOGO may have some problems paying its short term obligations.
MOGO's Quick ratio of 0.86 is in line compared to the rest of the industry. MOGO outperforms 45.28% of its industry peers.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
MOGO Yearly Current Assets VS Current LiabilitesMOGO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 37.50% over the past year.
Looking at the last year, MOGO shows a small growth in Revenue. The Revenue has grown by 4.96% in the last year.
The Revenue has been growing slightly by 3.55% on average over the past years.
EPS 1Y (TTM)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)4.96%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.32%

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 10.80% on average per year.
The Revenue is expected to decrease by -0.87% on average over the next years.
EPS Next Y0.91%
EPS Next 2Y10.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-7.44%
Revenue Next 2Y-0.87%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20M -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

More info and screens

0

4. Valuation

4.1 Price/Earnings Ratio

MOGO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year MOGO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
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 -10 20 30

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.
MOGO's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MOGO is more expensive than 69.81% of the companies in the same industry.
Industry RankSector Rank
P/FCF 437.01
EV/EBITDA 28.94
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

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y10.8%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

MOGO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

MOGO INC

NASDAQ:MOGO (7/15/2025, 3:35:09 PM)

1.92

-0.04 (-2.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners16.45%
Inst Owner Change0%
Ins Owners7.81%
Ins Owner ChangeN/A
Market Cap46.98M
Analysts82.86
Price Target2.2 (14.58%)
Short Float %1.14%
Short Ratio0.03
Dividend
Industry RankSector 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)63.82%
Min EPS beat(2)43.98%
Max EPS beat(2)83.66%
EPS beat(4)4
Avg EPS beat(4)55.03%
Min EPS beat(4)5.12%
Max EPS beat(4)87.35%
EPS beat(8)7
Avg EPS beat(8)43.34%
EPS beat(12)11
Avg EPS beat(12)39.87%
EPS beat(16)13
Avg EPS beat(16)16.24%
Revenue beat(2)2
Avg Revenue beat(2)39.22%
Min Revenue beat(2)2.06%
Max Revenue beat(2)76.38%
Revenue beat(4)2
Avg Revenue beat(4)18.24%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.44%
Revenue beat(12)8
Avg Revenue beat(12)6.93%
Revenue beat(16)11
Avg Revenue beat(16)5.87%
PT rev (1m)-0.39%
PT rev (3m)2.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.77%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.91
P/FCF 437.01
P/OCF 20.36
P/B 0.93
P/tB 60.32
EV/EBITDA 28.94
EPS(TTM)-0.18
EYN/A
EPS(NY)-0.2
Fwd EYN/A
FCF(TTM)0
FCFY0.23%
OCF(TTM)0.09
OCFY4.91%
SpS2.11
BVpS2.06
TBVpS0.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -12.89%
ROE -31.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 92.42%
FCFM 0.21%
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-Score4
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 1.2
Debt/FCF 565.78
Debt/EBITDA 17.33
Cap/Depr 37.61%
Cap/Sales 4.26%
Interest Coverage N/A
Cash Conversion 65.73%
Profit Quality N/A
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z -2.22
F-Score4
WACC10.71%
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)37.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y0.91%
EPS Next 2Y10.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.96%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.32%
Revenue Next Year-7.44%
Revenue Next 2Y-0.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y22.27%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year207.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y100.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y118.9%
OCF growth 3YN/A
OCF growth 5YN/A