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MOGO INC (MOGO) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:MOGO - CA60800C2085 - Common Stock

1.07 USD
+0.04 (+3.88%)
Last: 12/31/2025, 8:17:26 PM
1.09 USD
+0.02 (+1.87%)
After Hours: 12/31/2025, 8:17:26 PM
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 has a bad profitability rating. Also its financial health evaluation is rather negative. MOGO has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year MOGO was profitable.
  • In the past year MOGO has reported a negative cash flow from operations.
  • In the past 5 years MOGO always reported negative net income.
  • 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.
  • The Return On Equity of MOGO (9.71%) is worse 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

  • MOGO has a Profit Margin (10.86%) which is comparable to the rest of the 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. 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 remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for MOGO has been increased compared to 5 years ago.
  • 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

  • MOGO has an Altman-Z score of -2.14. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
  • MOGO has a worse Altman-Z score (-2.14) 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.
  • With a Debt to Equity ratio value of 1.09, MOGO perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
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.
  • A Quick Ratio of 1.30 indicates that MOGO should not have too much problems paying 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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3

3. Growth

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.
  • 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

  • MOGO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.76% yearly.
  • 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

  • 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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.46, the valuation of MOGO can be described as very cheap.
  • Based on the Price/Earnings ratio, MOGO is valued cheaper than 81.82% of the companies in the same industry.
  • MOGO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.
  • 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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as MOGO.
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

  • The 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

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0

5. Dividend

5.1 Amount

  • MOGO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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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 Change0%
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 %0.94%
Short Ratio1.41
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.