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MOGO INC (MOGO) Stock Fundamental Analysis

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

1.349  +0.05 (+3.77%)

Fundamental Rating

1

Taking everything into account, MOGO scores 1 out of 10 in our fundamental rating. MOGO was compared to 52 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

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1

1. Profitability

1.1 Basic Checks

In the past year MOGO has reported negative net income.
MOGO had a positive 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50M -100M -150M

1.2 Ratios

The Return On Assets of MOGO (-12.89%) is worse than 90.38% of its industry peers.
Looking at the Return On Equity, with a value of -31.77%, MOGO is doing worse than 86.54% 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 86.54% of the companies in the same industry.
In the last couple of years the Gross Margin of MOGO has declined.
MOGO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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

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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

Based on the Altman-Z score of -2.34, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
MOGO has a worse Altman-Z score (-2.34) than 75.00% of its industry peers.
The Debt to FCF ratio of MOGO is 565.78, which is on the high side as it means it would take MOGO, 565.78 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MOGO (565.78) is worse than 73.08% of its industry peers.
MOGO has a Debt/Equity ratio of 1.20. This is a high value indicating a heavy dependency on external 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 -2.34
ROIC/WACCN/A
WACC10.48%
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

A Current Ratio of 0.86 indicates that MOGO may have some problems paying its short term obligations.
MOGO's Current ratio of 0.86 is in line compared to the rest of the industry. MOGO outperforms 46.15% of its industry peers.
MOGO has a Quick 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.
MOGO's Quick ratio of 0.86 is in line compared to the rest of the industry. MOGO outperforms 46.15% 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

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.26% over the past year.
The Revenue has been growing slightly by 4.96% in the past 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)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.43%
Revenue 1Y (TTM)4.96%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.32%

3.2 Future

The Earnings Per Share is expected to grow by 10.80% on average over the next years. This is quite good.
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

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 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

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MOGO. In the last year negative earnings were reported.
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 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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MOGO indicates a slightly more expensive valuation: MOGO is more expensive than 73.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 313.29
EV/EBITDA 24.53
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

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0

5. Dividend

5.1 Amount

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

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MOGO INC

NASDAQ:MOGO (5/21/2025, 1:07:04 PM)

1.349

+0.05 (+3.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-07 2025-05-07
Earnings (Next)08-06 2025-08-06
Inst Owners10.35%
Inst Owner Change6.18%
Ins Owners7.01%
Ins Owner ChangeN/A
Market Cap33.01M
Analysts82.86
Price Target2.21 (63.83%)
Short Float %0.7%
Short Ratio1.79
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)2.4%
PT rev (3m)-21.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)10.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-10.77%
Revenue NY rev (3m)-10.77%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.65
P/FCF 313.29
P/OCF 14.6
P/B 0.67
P/tB 43.24
EV/EBITDA 24.53
EPS(TTM)-0.25
EYN/A
EPS(NY)-0.19
Fwd EYN/A
FCF(TTM)0
FCFY0.32%
OCF(TTM)0.09
OCFY6.85%
SpS2.07
BVpS2.02
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 -2.34
F-Score4
WACC10.48%
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)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-229.43%
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 Year205.62%
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