MOGO INC (MOGO) Stock Fundamental Analysis
USA - NASDAQ:MOGO - CA60800C2085 - Common Stock
1.98 USD
+0.05 (+2.59%)
1.99 USD
+0.01 (+0.51%)
Overall MOGO gets a fundamental rating of 2 out of 10. We evaluated MOGO against 55 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 it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MOGO had positive earnings in the past year.
In the past year MOGO had a positive 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.
1.2 Ratios
MOGO has a Return On Assets (2.14%) which is in line with 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 63.64% 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
MOGO has a worse Profit Margin (5.60%) than 63.64% of its industry peers.
The Gross Margin of MOGO (93.90%) is better than 89.09% 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.
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.
MOGO has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.92, we must say that MOGO is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -1.92, MOGO is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
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.
Looking at the Debt to FCF ratio, with a value of 103.02, MOGO is doing worse than 60.00% of the companies in the same industry.
MOGO has a Debt/Equity ratio of 1.02. This is a high value indicating a heavy dependency on external financing.
MOGO has a Debt to Equity ratio of 1.02. This is in the better half of the industry: MOGO outperforms 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.02 | ||
| Debt/FCF | 103.02 | ||
| Altman-Z | -1.92 |
ROIC/WACCN/A
WACC11.2%
2.3 Liquidity
A Current Ratio of 0.82 indicates that MOGO may have some problems paying its short term obligations.
MOGO's Current ratio of 0.82 is in line compared to the rest of the industry. MOGO outperforms 45.45% of its industry peers.
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 45.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
MOGO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 188.24%, which is quite impressive.
The Revenue has been growing slightly by 1.71% in the past year.
MOGO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.55% yearly.
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.
MOGO is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.01% yearly.
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
Based on the Price/Earnings ratio of 6.00, the valuation of MOGO can be described as very cheap.
Based on the Price/Earnings ratio, MOGO is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.38, MOGO is valued rather cheaply.
The Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6 | ||
| Fwd PE | N/A |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as MOGO.
Based on the Price/Free Cash Flow ratio, MOGO is valued a bit more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.05 | ||
| EV/EBITDA | 26.09 |
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.
A more expensive valuation may be justified as MOGO's earnings are expected to grow with 17.19% in the coming years.
PEG (NY)0.39
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 |
1.98
+0.05 (+2.59%)
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 Cap48.45M
Analysts82.86
Price Target2.55 (28.79%)
Short Float %3.63%
Short Ratio1.21
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)12.58%
PT rev (3m)15.07%
EPS NQ rev (1m)6.67%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)14.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6 | ||
| Fwd PE | N/A | ||
| P/S | 0.96 | ||
| P/FCF | 83.05 | ||
| P/OCF | 18.81 | ||
| P/B | 0.82 | ||
| P/tB | 4.48 | ||
| EV/EBITDA | 26.09 |
EPS(TTM)0.33
EY16.67%
EPS(NY)-0.16
Fwd EYN/A
FCF(TTM)0.02
FCFY1.2%
OCF(TTM)0.11
OCFY5.32%
SpS2.07
BVpS2.41
TBVpS0.44
PEG (NY)0.39
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 | -1.92 |
F-Score7
WACC11.2%
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