MOGO INC (MOGO) Stock Fundamental Analysis
NASDAQ:MOGO - CA60800C2085 - Common Stock
1.87 USD
+0.08 (+4.47%)
1.8209 USD
-0.05 (-2.63%)
We assign a fundamental rating of 2 out of 10 to MOGO. MOGO was compared to 53 industry peers in the Consumer Finance industry. MOGO may be in some trouble as it scores bad on both profitability and health. MOGO has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
MOGO had positive earnings in the past year.
MOGO had a positive 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.
1.2 Ratios
MOGO has a Return On Assets of 2.14%. This is comparable to the rest of the industry: MOGO outperforms 52.83% of its industry peers.
MOGO's Return On Equity of 4.80% is on the low side compared to the rest of the industry. MOGO is outperformed by 64.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.8% | ||
| 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
1.3 Margins
With a Profit Margin value of 5.60%, MOGO is not doing good in the industry: 64.15% of the companies in the same industry are doing better.
MOGO has a better Gross Margin (93.90%) than 88.68% of its industry peers.
In the last couple of years the Gross Margin of MOGO has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.6% | ||
| GM | 93.9% |
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%
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.
Compared to 1 year ago, MOGO has a worse debt to assets ratio.
2.2 Solvency
MOGO has an Altman-Z score of -1.95. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -1.95, MOGO is doing worse than 73.58% of the companies in the same industry.
The Debt to FCF ratio of MOGO is 103.02, which is on the high side as it means it would take MOGO, 103.02 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 103.02, MOGO is not doing good in the industry: 60.38% of the companies in the same industry are doing better.
A Debt/Equity ratio of 1.02 is on the high side and indicates that MOGO has dependencies on debt financing.
MOGO's Debt to Equity ratio of 1.02 is in line compared to the rest of the industry. MOGO outperforms 58.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Altman-Z | -1.95 |
ROIC/WACCN/A
WACC10.98%
2.3 Liquidity
MOGO has a Current Ratio of 0.82. This is a bad value and indicates that MOGO is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.82, MOGO is in line with its industry, outperforming 45.28% of the companies in the same industry.
A Quick Ratio of 0.82 indicates that MOGO may have some problems paying its short term obligations.
MOGO has a Quick ratio of 0.82. This is comparable to the rest of the industry: MOGO outperforms 45.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 188.24% over the past year.
The Revenue has been growing slightly by 1.71% 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)188.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%466.67%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.53%
3.2 Future
The Earnings Per Share is expected to grow by 17.19% on average over the next years. This is quite good.
Based on estimates for the next years, MOGO will show a decrease in Revenue. The Revenue will decrease by -1.01% on average per year.
EPS Next Y15.49%
EPS Next 2Y17.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.8%
Revenue Next 2Y-1.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
MOGO is valuated cheaply with a Price/Earnings ratio of 5.84.
Based on the Price/Earnings ratio, MOGO is valued cheaply inside the industry as 83.02% of the companies are valued more expensively.
MOGO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.
The Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.84 | ||
| Fwd PE | N/A |
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.
Based on the Price/Free Cash Flow ratio, MOGO is valued a bit more expensive than 62.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 78.99 | ||
| EV/EBITDA | 24.98 |
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.
A more expensive valuation may be justified as MOGO's earnings are expected to grow with 17.19% in the coming years.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y17.19%
EPS Next 3YN/A
5. Dividend
5.1 Amount
MOGO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.87
+0.08 (+4.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners16.45%
Inst Owner Change-20.75%
Ins Owners7.81%
Ins Owner ChangeN/A
Market Cap45.76M
Analysts82.86
Price Target2.56 (36.9%)
Short Float %4.58%
Short Ratio0.15
Dividend
| Industry Rank | Sector 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)341.6%
Min EPS beat(2)43.98%
Max EPS beat(2)639.22%
EPS beat(4)4
Avg EPS beat(4)213.55%
Min EPS beat(4)43.98%
Max EPS beat(4)639.22%
EPS beat(8)7
Avg EPS beat(8)113.46%
EPS beat(12)11
Avg EPS beat(12)91.13%
EPS beat(16)14
Avg EPS beat(16)58.11%
Revenue beat(2)2
Avg Revenue beat(2)2.89%
Min Revenue beat(2)2.06%
Max Revenue beat(2)3.72%
Revenue beat(4)3
Avg Revenue beat(4)19.55%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)76.38%
Revenue beat(8)6
Avg Revenue beat(8)10.66%
Revenue beat(12)9
Avg Revenue beat(12)7.46%
Revenue beat(16)11
Avg Revenue beat(16)5.83%
PT rev (1m)16%
PT rev (3m)15.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)14.71%
EPS NY rev (3m)14.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.77%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.84 | ||
| Fwd PE | N/A | ||
| P/S | 0.91 | ||
| P/FCF | 78.99 | ||
| P/OCF | 17.89 | ||
| P/B | 0.78 | ||
| P/tB | 4.26 | ||
| EV/EBITDA | 24.98 |
EPS(TTM)0.32
EY17.11%
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)0.02
FCFY1.27%
OCF(TTM)0.1
OCFY5.59%
SpS2.06
BVpS2.4
TBVpS0.44
PEG (NY)0.38
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.6% | ||
| GM | 93.9% | ||
| FCFM | 1.15% |
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-Score7
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Debt/EBITDA | 15.27 | ||
| Cap/Depr | 34.65% | ||
| Cap/Sales | 3.93% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 65.43% | ||
| Profit Quality | 20.57% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | -1.95 |
F-Score7
WACC10.98%
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)188.24%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%466.67%
EPS Next Y15.49%
EPS Next 2Y17.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.71%
Revenue growth 3Y7.37%
Revenue growth 5Y3.55%
Sales Q2Q%-3.53%
Revenue Next Year-5.8%
Revenue Next 2Y-1.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y41.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year207.89%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y105.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y136.38%
OCF growth 3YN/A
OCF growth 5YN/A