MOGO INC (MOGO)
CA60800C2085 - Common Stock
Taking everything into account, MOGO scores 2 out of 10 in our fundamental rating. MOGO was compared to 51 industry peers in the Consumer Finance industry. Both the profitability and financial health of MOGO have multiple concerns. MOGO is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year MOGO has reported negative net income.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -8.61%, MOGO is doing worse than 78.43% of the companies in the same industry.
MOGO's Return On Equity of -19.08% is on the low side compared to the rest of the industry. MOGO is outperformed by 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.61% | ||
| ROE | -19.08% | ||
| ROIC | N/A |
ROA(3y)-30.61%
ROA(5y)-22.38%
ROE(3y)-60.26%
ROE(5y)-208.22%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MOGO's Gross Margin of 91.79% is amongst the best of the industry. MOGO outperforms 90.20% of its industry peers.
MOGO's Gross Margin has declined in the last couple of years.
MOGO does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 91.79% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.51%
GM growth 5YN/A
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 has been reduced compared to 1 year ago.
The number of shares outstanding for MOGO has been increased compared to 5 years ago.
The debt/assets ratio for MOGO is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -1.63, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -1.63, MOGO is doing worse than 70.59% of the companies in the same industry.
MOGO has a Debt/Equity ratio of 0.95. This is a neutral value indicating MOGO is somewhat dependend on debt financing.
MOGO has a better Debt to Equity ratio (0.95) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -1.63 |
ROIC/WACCN/A
WACC9.45%
2.3 Liquidity
A Current Ratio of 1.21 indicates that MOGO should not have too much problems paying its short term obligations.
With a Current ratio value of 1.21, MOGO perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
A Quick Ratio of 1.21 indicates that MOGO should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.21, MOGO is in line with its industry, outperforming 52.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 1.21 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.29% over the past year.
The Revenue has decreased by -5.41% in the past year.
The Revenue has been growing by 97.51% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)68.29%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q33.33%
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y13.8%
Revenue growth 5Y97.51%
Revenue growth Q2Q0.04%
3.2 Future
Based on estimates for the next years, MOGO will show a very negative growth in Earnings Per Share. The EPS will decrease by -12.04% on average per year.
MOGO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.74% yearly.
EPS Next Y-59.54%
EPS Next 2Y-12.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.84%
Revenue Next 2Y11.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
MOGO's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 25.99 |
4.3 Compensation for Growth
A cheap valuation may be justified as MOGO's earnings are expected to decrease with -12.04% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for MOGO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
MOGO INC
NASDAQ:MOGO (4/30/2024, 10:29:46 AM)
1.88
+0.03 (+1.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap46.50M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.61% | ||
| ROE | -19.08% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 91.79% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.21 | ||
| Quick Ratio | 1.21 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)68.29%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-59.54%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-5.41%
Revenue growth 3Y13.8%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y