OLYMPIA FINANCIAL GROUP INC (OLY.CA) Stock Fundamental Analysis

TSX:OLY • CA6814721065

121.1 CAD
-0.89 (-0.73%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

OLY gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 79 industry peers in the Capital Markets industry. OLY has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. OLY is valued correctly, but it does not seem to be growing. OLY also has an excellent dividend rating. This makes OLY very considerable for dividend investing!


Dividend Valuation Growth Profitability Health

9

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.
  • OLY had a positive operating cash flow in each of the past 5 years.
OLY.CA Yearly Net Income VS EBIT VS OCF VS FCFOLY.CA 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 10M 20M 30M

1.2 Ratios

  • OLY has a Return On Assets of 37.05%. This is amongst the best in the industry. OLY outperforms 96.20% of its industry peers.
  • OLY's Return On Equity of 48.37% is amongst the best of the industry. OLY outperforms 96.20% of its industry peers.
  • OLY has a Return On Invested Capital of 45.79%. This is amongst the best in the industry. OLY outperforms 98.73% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for OLY is significantly above the industry average of 10.51%.
  • 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 RankSector 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%
OLY.CA Yearly ROA, ROE, ROICOLY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.30%, OLY is in the better half of the industry, outperforming 67.09% of the companies in the same industry.
  • OLY's Profit Margin has improved in the last couple of years.
  • The Operating Margin of OLY (28.06%) is better than 70.89% 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 93.67% 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 RankSector 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%
OLY.CA Yearly Profit, Operating, Gross MarginsOLY.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

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.
  • The debt/assets ratio for OLY has been reduced compared to a year ago.
OLY.CA Yearly Shares OutstandingOLY.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
OLY.CA Yearly Total Debt VS Total AssetsOLY.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

2.2 Solvency

  • An Altman-Z score of 18.01 indicates that OLY is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of OLY (18.01) is better than 91.14% of its industry peers.
  • The Debt to FCF ratio of OLY is 0.16, which is an excellent value as it means it would take OLY, only 0.16 years of fcf income to pay off all of its debts.
  • OLY's Debt to FCF ratio of 0.16 is amongst the best of the industry. OLY outperforms 88.61% 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 74.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.16
Altman-Z 18.01
ROIC/WACCN/A
WACCN/A
OLY.CA Yearly LT Debt VS Equity VS FCFOLY.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

2.3 Liquidity

  • A Current Ratio of 4.49 indicates that OLY has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 4.49, OLY belongs to the top of the industry, outperforming 81.01% of the companies in the same industry.
  • 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.
  • With an excellent Quick ratio value of 4.49, OLY belongs to the best of the industry, outperforming 81.01% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.49
Quick Ratio 4.49
OLY.CA Yearly Current Assets VS Current LiabilitesOLY.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

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.
  • The Revenue has decreased by -2.10% in the past year.
  • OLY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.96% yearly.
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

  • The Earnings Per Share is expected to decrease by -2.64% on average over the next years.
  • The Revenue is expected to grow by 1.18% on average over the next years.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
OLY.CA Yearly Revenue VS EstimatesOLY.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
OLY.CA Yearly EPS VS EstimatesOLY.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.58 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.
  • OLY is valuated rather cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 19.85 indicates a rather expensive valuation of OLY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OLY indicates a somewhat cheap valuation: OLY is cheaper than 63.29% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. OLY is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.58
Fwd PE 19.85
OLY.CA Price Earnings VS Forward Price EarningsOLY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OLY indicates a rather cheap valuation: OLY is cheaper than 84.81% of the companies listed in the same industry.
  • OLY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OLY is cheaper than 83.54% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.08
EV/EBITDA 9.04
OLY.CA Per share dataOLY.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • A cheap valuation may be justified as OLY's earnings are expected to decrease with -2.64% in the coming years.
PEG (NY)3.21
PEG (5Y)0.66
EPS Next 2Y-2.64%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • OLY has a Yearly Dividend Yield of 6.10%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.59, OLY pays a better dividend. On top of this OLY pays more dividend than 89.87% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, OLY pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.1%

5.2 History

  • The dividend of OLY is nicely growing with an annual growth rate of 21.67%!
  • OLY has been paying a dividend for at least 10 years, so it has 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
OLY.CA Yearly Dividends per shareOLY.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • OLY pays out 80.70% of its income as dividend. 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.
DP80.7%
EPS Next 2Y-2.64%
EPS Next 3YN/A
OLY.CA Yearly Income VS Free CF VS DividendOLY.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
OLY.CA Dividend Payout.OLY.CA Dividend Payout, showing the Payout Ratio.OLY.CA Dividend Payout.PayoutRetained Earnings

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OLYMPIA FINANCIAL GROUP INC

TSX:OLY (2/27/2026, 7:00:00 PM)

121.1

-0.89 (-0.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-13
Earnings (Next)02-27
Inst Owners1.66%
Inst Owner ChangeN/A
Ins Owners34.9%
Ins Owner ChangeN/A
Market Cap291.85M
Revenue(TTM)100.80M
Net Income(TTM)21.47M
Analysts80
Price Target170.17 (40.52%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.1%
Yearly Dividend7.2
Dividend Growth(5Y)21.67%
DP80.7%
Div Incr Years3
Div Non Decr Years6
Ex-Date01-21
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)0%
PT rev (3m)-6.1%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.58
Fwd PE 19.85
P/S 2.9
P/FCF 15.08
P/OCF 12.99
P/B 6.58
P/tB 7.27
EV/EBITDA 9.04
EPS(TTM)8.92
EY7.37%
EPS(NY)6.1
Fwd EY5.04%
FCF(TTM)8.03
FCFY6.63%
OCF(TTM)9.33
OCFY7.7%
SpS41.83
BVpS18.42
TBVpS16.65
PEG (NY)3.21
PEG (5Y)0.66
Graham Number60.79
Profitability
Industry RankSector Rank
ROA 37.05%
ROE 48.37%
ROCE 59.87%
ROIC 45.79%
ROICexc 68.07%
ROICexgc 78.57%
OM 28.06%
PM (TTM) 21.3%
GM 96.76%
FCFM 19.19%
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%
ROICexgc growth 3Y0.18%
ROICexgc 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 Turnover1.74
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.16
Debt/EBITDA 0.09
Cap/Depr 109.58%
Cap/Sales 3.1%
Interest Coverage 186.24
Cash Conversion 72.17%
Profit Quality 90.12%
Current Ratio 4.49
Quick Ratio 4.49
Altman-Z 18.01
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)-11.99%
EPS 3Y54.22%
EPS 5Y20.45%
EPS Q2Q%-26.22%
EPS Next Y4.23%
EPS Next 2Y-2.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.1%
Revenue growth 3Y28.07%
Revenue growth 5Y15.96%
Sales Q2Q%-5.49%
Revenue Next Year4.02%
Revenue Next 2Y1.18%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.69%
EBIT growth 3Y49.01%
EBIT growth 5Y26%
EBIT Next Year-4.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y86.91%
FCF growth 3Y21.32%
FCF growth 5Y21.67%
OCF growth 1Y103.58%
OCF growth 3Y20.87%
OCF growth 5Y18.82%

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%.