OLYMPIA FINANCIAL GROUP INC (OLY.CA) Fundamental Analysis & Valuation

TSX:OLY • CA6814721065

Current stock price

122 CAD
+2.15 (+1.79%)
Last:

This OLY.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. OLY.CA Profitability Analysis

1.1 Basic Checks

  • In the past year OLY was profitable.
  • OLY had a positive operating cash flow in the past year.
  • OLY had positive earnings in each of the past 5 years.
  • In the past 5 years OLY always reported a positive cash flow from operatings.
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 2025 10M 20M 30M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 37.73%, OLY belongs to the top of the industry, outperforming 96.00% of the companies in the same industry.
  • OLY's Return On Equity of 44.67% is amongst the best of the industry. OLY outperforms 96.00% of its industry peers.
  • The Return On Invested Capital of OLY (42.53%) is better than 98.67% of its industry peers.
Industry RankSector Rank
ROA 37.73%
ROE 44.67%
ROIC 42.53%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
OLY.CA Yearly ROA, ROE, ROICOLY.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • OLY has a better Profit Margin (20.08%) than 61.33% of its industry peers.
  • In the last couple of years the Profit Margin of OLY has grown nicely.
  • OLY has a Operating Margin (26.66%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of OLY has grown nicely.
  • With an excellent Gross Margin value of 96.75%, OLY belongs to the best of the industry, outperforming 96.00% of the companies in the same industry.
  • OLY's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 26.66%
PM (TTM) 20.08%
GM 96.75%
OM growth 3Y1.26%
OM growth 5Y3.15%
PM growth 3Y0.79%
PM growth 5Y4.1%
GM growth 3Y0.79%
GM growth 5Y0.6%
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 2025 20 40 60 80

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8

2. OLY.CA Health Analysis

2.1 Basic Checks

  • OLY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 26.95 indicates that OLY is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of OLY (26.95) is better than 96.00% of its industry peers.
  • The Debt to FCF ratio of OLY is 0.17, which is an excellent value as it means it would take OLY, only 0.17 years of fcf income to pay off all of its debts.
  • OLY has a Debt to FCF ratio of 0.17. This is amongst the best in the industry. OLY outperforms 86.67% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that OLY is not too dependend on debt financing.
  • The Debt to Equity ratio of OLY (0.06) is better than 72.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.17
Altman-Z 26.95
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 2025 10M 20M 30M 40M

2.3 Liquidity

  • OLY has a Current Ratio of 8.12. This indicates that OLY is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 8.12, OLY belongs to the top of the industry, outperforming 82.67% of the companies in the same industry.
  • A Quick Ratio of 8.12 indicates that OLY has no problem at all paying its short term obligations.
  • OLY's Quick ratio of 8.12 is amongst the best of the industry. OLY outperforms 82.67% of its industry peers.
Industry RankSector Rank
Current Ratio 8.12
Quick Ratio 8.12
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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2

3. OLY.CA Growth Analysis

3.1 Past

  • The earnings per share for OLY have decreased strongly by -16.82% in the last year.
  • Measured over the past years, OLY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.97% on average per year.
  • OLY shows a decrease in Revenue. In the last year, the revenue decreased by -3.94%.
  • Measured over the past years, OLY shows a quite strong growth in Revenue. The Revenue has been growing by 15.25% on average per year.
EPS 1Y (TTM)-16.82%
EPS 3Y11.96%
EPS 5Y19.97%
EPS Q2Q%-26.93%
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y11.07%
Revenue growth 5Y15.25%
Sales Q2Q%-7.44%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • The Revenue is expected to decrease by -1.33% on average over the next years.
EPS Next Y-9.05%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.15%
Revenue Next 2Y-1.33%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • 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 2027 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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3

4. OLY.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.79 indicates a correct valuation of OLY.
  • Based on the Price/Earnings ratio, OLY is valued a bit more expensive than 64.00% of the companies in the same industry.
  • OLY is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 20.00, which indicates a rather expensive current valuation of OLY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of OLY is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, OLY is valued at the same level.
Industry RankSector Rank
PE 14.79
Fwd PE 20
OLY.CA Price Earnings VS Forward Price EarningsOLY.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OLY's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of OLY indicates a somewhat cheap valuation: OLY is cheaper than 76.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.77
EV/EBITDA 9.81
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

  • OLY has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2YN/A
EPS Next 3YN/A

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

7

5. OLY.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.03%, OLY is a good candidate for dividend investing.
  • OLY's Dividend Yield is rather good when compared to the industry average which is at 1.96. OLY pays more dividend than 88.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, OLY pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.03%

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 Years0
Div Non Decr Years7
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

  • 87.26% 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.
DP87.26%
EPS Next 2YN/A
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 2025 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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OLY.CA Fundamentals: All Metrics, Ratios and Statistics

OLYMPIA FINANCIAL GROUP INC

TSX:OLY (4/9/2026, 7:00:00 PM)

122

+2.15 (+1.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-27
Earnings (Next)05-06
Inst Owners1.17%
Inst Owner ChangeN/A
Ins Owners34.92%
Ins Owner ChangeN/A
Market Cap294.02M
Revenue(TTM)98.86M
Net Income(TTM)19.86M
Analysts80
Price Target170.84 (40.03%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.03%
Yearly Dividend7.2
Dividend Growth(5Y)21.67%
DP87.26%
Div Incr Years0
Div Non Decr Years7
Ex-Date03-20
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)0.4%
PT rev (3m)0.4%
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)-0.59%
Revenue NY rev (3m)-0.59%
Valuation
Industry RankSector Rank
PE 14.79
Fwd PE 20
P/S 2.97
P/FCF 16.77
P/OCF 14.1
P/B 6.62
P/tB 7.27
EV/EBITDA 9.81
EPS(TTM)8.25
EY6.76%
EPS(NY)6.1
Fwd EY5%
FCF(TTM)7.28
FCFY5.96%
OCF(TTM)8.65
OCFY7.09%
SpS41.02
BVpS18.44
TBVpS16.78
PEG (NY)N/A
PEG (5Y)0.74
Graham Number58.51
Profitability
Industry RankSector Rank
ROA 37.73%
ROE 44.67%
ROCE 55.76%
ROIC 42.53%
ROICexc 55.04%
ROICexgc 61.84%
OM 26.66%
PM (TTM) 20.08%
GM 96.75%
FCFM 17.73%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y1.26%
OM growth 5Y3.15%
PM growth 3Y0.79%
PM growth 5Y4.1%
GM growth 3Y0.79%
GM growth 5Y0.6%
F-Score5
Asset Turnover1.88
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.17
Debt/EBITDA 0.1
Cap/Depr 116.64%
Cap/Sales 3.35%
Interest Coverage 528.11
Cash Conversion 71.41%
Profit Quality 88.3%
Current Ratio 8.12
Quick Ratio 8.12
Altman-Z 26.95
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)51.86%
Cap/Depr(5y)38.78%
Cap/Sales(3y)1.45%
Cap/Sales(5y)1.17%
Profit Quality(3y)83.62%
Profit Quality(5y)96.85%
High Growth Momentum
Growth
EPS 1Y (TTM)-16.82%
EPS 3Y11.96%
EPS 5Y19.97%
EPS Q2Q%-26.93%
EPS Next Y-9.05%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.94%
Revenue growth 3Y11.07%
Revenue growth 5Y15.25%
Sales Q2Q%-7.44%
Revenue Next Year-2.15%
Revenue Next 2Y-1.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-14.92%
EBIT growth 3Y12.47%
EBIT growth 5Y18.88%
EBIT Next Year6.16%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-14.78%
FCF growth 3Y29.98%
FCF growth 5Y11.6%
OCF growth 1Y-0.6%
OCF growth 3Y34.57%
OCF growth 5Y14.35%

OLYMPIA FINANCIAL GROUP INC / OLY.CA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) stock?

ChartMill assigns a fundamental rating of 6 / 10 to OLY.CA.


What is the valuation status for OLY stock?

ChartMill assigns a valuation rating of 4 / 10 to OLYMPIA FINANCIAL GROUP INC (OLY.CA). This can be considered as Fairly Valued.


How profitable is OLYMPIA FINANCIAL GROUP INC (OLY.CA) stock?

OLYMPIA FINANCIAL GROUP INC (OLY.CA) has a profitability rating of 7 / 10.


What is the valuation of OLYMPIA FINANCIAL GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for OLYMPIA FINANCIAL GROUP INC (OLY.CA) is 14.79 and the Price/Book (PB) ratio is 6.62.


What is the financial health of OLYMPIA FINANCIAL GROUP INC (OLY.CA) stock?

The financial health rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) is 8 / 10.