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 may be in some trouble as it scores bad on both profitability and health. MOGO is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year MOGO was profitable.
  • MOGO had a negative operating cash flow in the past year.
  • MOGO had negative earnings in each of the past 5 years.
  • 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 worse Return On Equity (9.71%) than 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

  • Looking at the Profit Margin, with a value of 10.86%, MOGO is in line with its industry, outperforming 49.09% of the companies in the same industry.
  • With an excellent Gross Margin value of 95.08%, MOGO belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
  • MOGO's Gross Margin has declined in the last couple of years.
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.
  • MOGO has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, MOGO has more shares outstanding
  • 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.
  • A Debt/Equity ratio of 1.09 is on the high side and indicates that MOGO has dependencies on debt financing.
  • MOGO's Debt to Equity ratio of 1.09 is in line compared to the rest of the industry. MOGO outperforms 60.00% of 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.
  • 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 (1.30) which is in line with its industry peers.
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

  • MOGO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 176.74%, which is quite impressive.
  • MOGO shows a decrease in Revenue. In the last year, the revenue decreased by -1.49%.
  • The Revenue has been growing slightly by 3.55% on average over the past years.
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.
  • 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 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

  • 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.
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

  • With a Price/Earnings ratio of 4.46, the valuation of MOGO can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of MOGO indicates a rather cheap valuation: MOGO is cheaper than 81.82% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, MOGO is valued rather cheaply.
  • 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

  • MOGO's Enterprise Value to EBITDA is on the same level as the industry average.
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. 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.