OLYMPIA FINANCIAL GROUP INC (OLY.CA) Stock Fundamental Analysis
Canada - TSX:OLY - CA6814721065 - Common Stock
112 CAD
-9.59 (-7.89%)
We assign a fundamental rating of 7 out of 10 to OLY. OLY was compared to 78 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 is valued correctly, but it does not seem to be growing. Finally OLY also has an excellent dividend rating. These ratings could make OLY a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
OLY had positive earnings in the past year.
OLY had a positive operating cash flow in the past year.
In the past 5 years OLY has always been profitable.
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 98.82% of its industry peers.
OLY's Return On Equity of 52.43% is amongst the best of the industry. OLY outperforms 98.82% of its industry peers.
OLY has a Return On Invested Capital of 48.12%. This is amongst the best in the industry. OLY outperforms 98.82% of its industry peers.
OLY had an Average Return On Invested Capital over the past 3 years of 54.12%. This is significantly above the industry average of 10.39%.
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
Looking at the Profit Margin, with a value of 22.62%, OLY is in the better half of the industry, outperforming 69.41% of the companies in the same industry.
In the last couple of years the Profit Margin of OLY has grown nicely.
OLY has a Operating Margin of 28.93%. This is in the better half of the industry: OLY outperforms 72.94% of its industry peers.
In the last couple of years the Operating Margin of OLY has grown nicely.
With an excellent Gross Margin value of 96.76%, OLY belongs to the best of the industry, outperforming 94.12% of the companies in the same industry.
OLY's Gross Margin has been stable in the last couple of years.
| 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
OLY has about the same amout of shares outstanding than it did 1 year ago.
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.
2.2 Solvency
OLY has an Altman-Z score of 13.28. This indicates that OLY is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 13.28, OLY belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
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.
OLY's Debt to FCF ratio of 0.14 is amongst the best of the industry. OLY outperforms 87.06% of its industry peers.
A Debt/Equity ratio of 0.07 indicates that OLY is not too dependend on debt financing.
OLY has a Debt to Equity ratio of 0.07. This is in the better half of the industry: OLY outperforms 74.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.14 | ||
| Altman-Z | 13.28 |
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.
OLY has a Current ratio of 3.21. This is in the better half of the industry: OLY outperforms 76.47% of its industry peers.
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.
Looking at the Quick ratio, with a value of 3.21, OLY is in the better half of the industry, outperforming 76.47% of the companies in the same industry.
| 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%.
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 -0.97%.
Measured over the past years, OLY shows a quite strong growth in Revenue. The Revenue has been growing by 15.96% on average per year.
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
OLY is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.64% yearly.
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.
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
A Price/Earnings ratio of 11.65 indicates a reasonable valuation of OLY.
OLY's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.89. OLY is valued rather cheaply when compared to this.
OLY is valuated rather expensively with a Price/Forward Earnings ratio of 18.36.
Based on the Price/Forward Earnings ratio, OLY is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 34.59. OLY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 18.36 |
4.2 Price Multiples
OLY's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. OLY is cheaper than 89.41% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of OLY indicates a somewhat cheap valuation: OLY is cheaper than 77.65% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.92 | ||
| EV/EBITDA | 7.62 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of OLY 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)2.75
PEG (5Y)0.57
EPS Next 2Y-2.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.92%, OLY is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.09, OLY pays a better dividend. On top of this OLY pays more dividend than 89.41% of the companies listed in the same industry.
OLY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.92% |
5.2 History
On average, the dividend of OLY grows each year by 21.67%, which is quite nice.
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
5.3 Sustainability
OLY pays out 74.97% 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.
DP74.97%
EPS Next 2Y-2.64%
EPS Next 3YN/A
TSX:OLY (11/14/2025, 7:00:00 PM)
112
-9.59 (-7.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners1.57%
Inst Owner ChangeN/A
Ins Owners34.9%
Ins Owner ChangeN/A
Market Cap269.92M
Revenue(TTM)102.18M
Net Income(TTM)23.11M
Analysts80
Price Target181.21 (61.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.92% |
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)0%
PT rev (3m)20.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)5.34%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.65 | ||
| Fwd PE | 18.36 | ||
| P/S | 2.64 | ||
| P/FCF | 11.92 | ||
| P/OCF | 10.75 | ||
| P/B | 6.12 | ||
| P/tB | 6.77 | ||
| EV/EBITDA | 7.62 |
EPS(TTM)9.61
EY8.58%
EPS(NY)6.1
Fwd EY5.45%
FCF(TTM)9.4
FCFY8.39%
OCF(TTM)10.42
OCFY9.3%
SpS42.4
BVpS18.29
TBVpS16.54
PEG (NY)2.75
PEG (5Y)0.57
Graham Number62.89
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%
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 Turnover1.63
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 | 13.28 |
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%
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 of OLYMPIA FINANCIAL GROUP INC (OLY.CA) 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.
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 11.65 and the Price/Book (PB) ratio is 6.12.
Can you provide the financial health for OLY stock?
The financial health rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) is 8 / 10.