OLYMPIA FINANCIAL GROUP INC (OLY.CA) Stock Fundamental Analysis
TSX:OLY - CA6814721065 - Common Stock
131 CAD
-0.71 (-0.54%)
Taking everything into account, OLY scores 7 out of 10 in our fundamental rating. OLY was compared to 77 industry peers in the Capital Markets industry. Both the health and profitability get an excellent rating, making OLY a very profitable company, without any liquidiy or solvency issues. OLY has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally OLY also has an excellent dividend rating. These ratings would make OLY suitable for dividend investing!
1. Profitability
1.1 Basic Checks
OLY had positive earnings in the past year.
In the past year OLY had a positive cash flow from operations.
OLY had positive earnings in each of the past 5 years.
Each year in the past 5 years OLY had a positive operating cash flow.
1.2 Ratios
The Return On Assets of OLY (36.78%) is better than 98.70% of its industry peers.
OLY has a better Return On Equity (52.43%) than 98.70% of its industry peers.
Looking at the Return On Invested Capital, with a value of 48.12%, OLY belongs to the top of the industry, outperforming 98.70% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for OLY is significantly above the industry average of 8.22%.
The 3 year average ROIC (54.12%) for OLY is well above the current ROIC(48.12%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 36.78% | ||
| ROE | 52.43% | ||
| ROIC | 48.12% |
ROA(3y)45.62%
ROA(5y)36.14%
ROE(3y)60.26%
ROE(5y)51.54%
ROIC(3y)54.12%
ROIC(5y)43.97%
1.3 Margins
OLY has a better Profit Margin (22.62%) than 66.23% of its industry peers.
In the last couple of years the Profit Margin of OLY has grown nicely.
OLY's Operating Margin of 28.93% is fine compared to the rest of the industry. OLY outperforms 74.03% of its industry peers.
In the last couple of years the Operating Margin of OLY has grown nicely.
OLY has a better Gross Margin (96.76%) than 94.81% of its industry peers.
In the last couple of years the Gross Margin of OLY has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.93% | ||
| PM (TTM) | 22.62% | ||
| GM | 96.76% |
OM growth 3Y16.35%
OM growth 5Y8.66%
PM growth 3Y20.48%
PM growth 5Y3.88%
GM growth 3Y1.84%
GM growth 5Y0.71%
2. Health
2.1 Basic Checks
The number of shares outstanding for OLY remains at a similar level compared to 1 year ago.
The number of shares outstanding for OLY remains at a similar level compared to 5 years ago.
OLY has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 14.75 indicates that OLY is not in any danger for bankruptcy at the moment.
OLY has a Altman-Z score of 14.75. This is amongst the best in the industry. OLY outperforms 90.91% of its industry peers.
OLY has a debt to FCF ratio of 0.14. This is a very positive value and a sign of high solvency as it would only need 0.14 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.14, OLY belongs to the top of the industry, outperforming 88.31% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that OLY is not too dependend on debt financing.
OLY has a better Debt to Equity ratio (0.07) than 74.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.14 | ||
| Altman-Z | 14.75 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 3.21 indicates that OLY has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 3.21, OLY is in the better half of the industry, outperforming 79.22% of the companies in the same industry.
OLY has a Quick Ratio of 3.21. This indicates that OLY is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of OLY (3.21) is better than 79.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.21 | ||
| Quick Ratio | 3.21 |
3. Growth
3.1 Past
OLY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.96%.
OLY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.45% yearly.
The Revenue has decreased by -0.97% in the past year.
The Revenue has been growing by 15.96% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.96%
EPS 3Y54.22%
EPS 5Y20.45%
EPS Q2Q%-6.85%
Revenue 1Y (TTM)-0.97%
Revenue growth 3Y28.07%
Revenue growth 5Y15.96%
Sales Q2Q%-1.09%
3.2 Future
The Earnings Per Share is expected to decrease by -2.64% on average over the next years.
OLY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.18% yearly.
EPS Next Y4.23%
EPS Next 2Y-2.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.02%
Revenue Next 2Y1.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.63, which indicates a correct valuation of OLY.
Compared to the rest of the industry, the Price/Earnings ratio of OLY is on the same level as its industry peers.
When comparing the Price/Earnings ratio of OLY to the average of the S&P500 Index (27.24), we can say OLY is valued slightly cheaper.
OLY is valuated rather expensively with a Price/Forward Earnings ratio of 21.48.
OLY's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.81. OLY is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 21.48 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, OLY is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, OLY is valued cheaper than 80.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.94 | ||
| EV/EBITDA | 9.03 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates OLY does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of OLY may justify a higher PE ratio.
OLY's earnings are expected to decrease with -2.64% in the coming years. This may justify a cheaper valuation.
PEG (NY)3.22
PEG (5Y)0.67
EPS Next 2Y-2.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.47%, OLY is a good candidate for dividend investing.
OLY's Dividend Yield is rather good when compared to the industry average which is at 2.99. OLY pays more dividend than 87.01% of the companies in the same industry.
OLY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
5.2 History
The dividend of OLY is nicely growing with an annual growth rate of 21.67%!
OLY has paid a dividend for at least 10 years, which is a reliable track record.
As OLY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)21.67%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
74.97% of the earnings are spent on dividend by OLY. This is not a sustainable payout ratio.
The Dividend Rate of OLY has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP74.97%
EPS Next 2Y-2.64%
EPS Next 3YN/A
TSX:OLY (8/22/2025, 7:00:00 PM)
131
-0.71 (-0.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners0.76%
Inst Owner ChangeN/A
Ins Owners34.91%
Ins Owner ChangeN/A
Market Cap315.71M
Analysts80
Price Target181.21 (38.33%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.47% |
Yearly Dividend7.2
Dividend Growth(5Y)21.67%
DP74.97%
Div Incr Years3
Div Non Decr Years6
Ex-Date
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)20.11%
PT rev (3m)31.42%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)5.34%
EPS NY rev (3m)5.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)4.06%
Revenue NY rev (3m)4.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 21.48 | ||
| P/S | 3.09 | ||
| P/FCF | 13.94 | ||
| P/OCF | 12.58 | ||
| P/B | 7.16 | ||
| P/tB | 7.92 | ||
| EV/EBITDA | 9.03 |
EPS(TTM)9.61
EY7.34%
EPS(NY)6.1
Fwd EY4.66%
FCF(TTM)9.4
FCFY7.17%
OCF(TTM)10.42
OCFY7.95%
SpS42.4
BVpS18.29
TBVpS16.54
PEG (NY)3.22
PEG (5Y)0.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 36.78% | ||
| ROE | 52.43% | ||
| ROCE | 62.91% | ||
| ROIC | 48.12% | ||
| ROICexc | 110.94% | ||
| ROICexgc | 139.82% | ||
| OM | 28.93% | ||
| PM (TTM) | 22.62% | ||
| GM | 96.76% | ||
| FCFM | 22.17% |
ROA(3y)45.62%
ROA(5y)36.14%
ROE(3y)60.26%
ROE(5y)51.54%
ROIC(3y)54.12%
ROIC(5y)43.97%
ROICexc(3y)75.49%
ROICexc(5y)74.77%
ROICexgc(3y)93.95%
ROICexgc(5y)102.86%
ROCE(3y)77.43%
ROCE(5y)67.47%
ROICexcg growth 3Y0.18%
ROICexcg growth 5Y2.82%
ROICexc growth 3Y22.24%
ROICexc growth 5Y5.59%
OM growth 3Y16.35%
OM growth 5Y8.66%
PM growth 3Y20.48%
PM growth 5Y3.88%
GM growth 3Y1.84%
GM growth 5Y0.71%
F-Score5
Asset Turnover1.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.14 | ||
| Debt/EBITDA | 0.09 | ||
| Cap/Depr | 87.63% | ||
| Cap/Sales | 2.4% | ||
| Interest Coverage | 145.2 | ||
| Cash Conversion | 77.57% | ||
| Profit Quality | 98% | ||
| Current Ratio | 3.21 | ||
| Quick Ratio | 3.21 | ||
| Altman-Z | 14.75 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)20.41%
Cap/Depr(5y)21.27%
Cap/Sales(3y)0.59%
Cap/Sales(5y)0.72%
Profit Quality(3y)72.99%
Profit Quality(5y)104.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-4.96%
EPS 3Y54.22%
EPS 5Y20.45%
EPS Q2Q%-6.85%
EPS Next Y4.23%
EPS Next 2Y-2.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.97%
Revenue growth 3Y28.07%
Revenue growth 5Y15.96%
Sales Q2Q%-1.09%
Revenue Next Year4.02%
Revenue Next 2Y1.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-9.76%
EBIT growth 3Y49.01%
EBIT growth 5Y26%
EBIT Next Year-4.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y108.45%
FCF growth 3Y21.32%
FCF growth 5Y21.67%
OCF growth 1Y119.07%
OCF growth 3Y20.87%
OCF growth 5Y18.82%