OLYMPIA FINANCIAL GROUP INC (OLY.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:OLY • CA6814721065
114.32 CAD
-0.69 (-0.6%)
Last: Jan 29, 2026, 07:00 PM
OLY gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 78 industry peers in the Capital Markets industry. OLY gets an excellent profitability rating and is at the same time showing great financial health properties. OLY has a valuation in line with the averages, but it does not seem to be growing. OLY also has an excellent dividend rating. This makes OLY very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
- In the past year OLY was profitable.
- In the past year OLY had a positive cash flow from operations.
- In the past 5 years OLY has always been profitable.
- In the past 5 years OLY always reported a positive cash flow from operatings.
1.2 Ratios
- OLY has a better Return On Assets (37.05%) than 96.15% of its industry peers.
- Looking at the Return On Equity, with a value of 48.37%, OLY belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
- The Return On Invested Capital of OLY (45.79%) is better than 98.72% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for OLY is significantly above the industry average of 10.50%.
- The last Return On Invested Capital (45.79%) for OLY is well below the 3 year average (54.12%), which needs to be investigated, but indicates that OLY had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 37.05% | ||
| ROE | 48.37% | ||
| ROIC | 45.79% |
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
- With a decent Profit Margin value of 21.30%, OLY is doing good in the industry, outperforming 64.10% of the companies in the same industry.
- In the last couple of years the Profit Margin of OLY has grown nicely.
- Looking at the Operating Margin, with a value of 28.06%, OLY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- OLY's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 96.76%, OLY belongs to the top of the industry, outperforming 93.59% of the companies in the same industry.
- 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 | 28.06% | ||
| PM (TTM) | 21.3% | ||
| 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
- Compared to 1 year ago, OLY has about the same amount of shares outstanding.
- The number of shares outstanding for OLY remains at a similar level compared to 5 years ago.
- Compared to 1 year ago, OLY has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 17.19 indicates that OLY is not in any danger for bankruptcy at the moment.
- OLY's Altman-Z score of 17.19 is amongst the best of the industry. OLY outperforms 91.03% of its industry peers.
- OLY has a debt to FCF ratio of 0.16. This is a very positive value and a sign of high solvency as it would only need 0.16 years to pay back of all of its debts.
- OLY's Debt to FCF ratio of 0.16 is amongst the best of the industry. OLY outperforms 88.46% of its industry peers.
- OLY has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
- OLY's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. OLY outperforms 74.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | 17.19 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 4.49 indicates that OLY has no problem at all paying its short term obligations.
- OLY has a Current ratio of 4.49. This is in the better half of the industry: OLY outperforms 79.49% of its industry peers.
- OLY has a Quick Ratio of 4.49. This indicates that OLY is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 4.49, OLY is in the better half of the industry, outperforming 79.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.49 | ||
| Quick Ratio | 4.49 |
3. Growth
3.1 Past
- The earnings per share for OLY have decreased strongly by -11.99% in the last year.
- Measured over the past years, OLY shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.45% on average per year.
- OLY shows a decrease in Revenue. In the last year, the revenue decreased by -2.10%.
- The Revenue has been growing by 15.96% on average over the past years. This is quite good.
EPS 1Y (TTM)-11.99%
EPS 3Y54.22%
EPS 5Y20.45%
EPS Q2Q%-26.22%
Revenue 1Y (TTM)-2.1%
Revenue growth 3Y28.07%
Revenue growth 5Y15.96%
Sales Q2Q%-5.49%
3.2 Future
- OLY is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.64% yearly.
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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
- OLY is valuated correctly with a Price/Earnings ratio of 12.82.
- 61.54% of the companies in the same industry are cheaper than OLY, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of OLY to the average of the S&P500 Index (28.39), we can say OLY is valued rather cheaply.
- The Price/Forward Earnings ratio is 18.74, which indicates a rather expensive current valuation of OLY.
- Based on the Price/Forward Earnings ratio, OLY is valued a bit cheaper than the industry average as 61.54% of the companies are valued more expensively.
- OLY's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 18.74 |
4.2 Price Multiples
- 89.74% of the companies in the same industry are more expensive than OLY, based on the Enterprise Value to EBITDA ratio.
- 82.05% of the companies in the same industry are more expensive than OLY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.24 | ||
| EV/EBITDA | 8.45 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- OLY has an outstanding profitability rating, which 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)3.03
PEG (5Y)0.63
EPS Next 2Y-2.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 6.34%, OLY is a good candidate for dividend investing.
- OLY's Dividend Yield is rather good when compared to the industry average which is at 1.74. OLY pays more dividend than 89.74% of the companies in the same industry.
- OLY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.34% |
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.
- OLY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)21.67%
Div Incr Years3
Div Non Decr Years6
5.3 Sustainability
- OLY pays out 80.70% of its income as dividend. This is not a sustainable payout ratio.
- OLY's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP80.7%
EPS Next 2Y-2.64%
EPS Next 3YN/A
OLYMPIA FINANCIAL GROUP INC / OLY.CA FAQ
What is the ChartMill fundamental rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) stock?
ChartMill assigns a fundamental rating of 7 / 10 to OLY.CA.
What is the valuation status for OLY stock?
ChartMill assigns a valuation rating of 5 / 10 to OLYMPIA FINANCIAL GROUP INC (OLY.CA). This can be considered as Fairly Valued.
What is the profitability of OLY stock?
OLYMPIA FINANCIAL GROUP INC (OLY.CA) has a profitability rating of 9 / 10.
Can you provide the expected EPS growth for OLY stock?
The Earnings per Share (EPS) of OLYMPIA FINANCIAL GROUP INC (OLY.CA) is expected to grow by 4.23% in the next year.
Can you provide the dividend sustainability for OLY stock?
The dividend rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) is 7 / 10 and the dividend payout ratio is 80.7%.