OLYMPIA FINANCIAL GROUP INC (OLY.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:OLY - CA6814721065 - Common Stock
110.5 CAD
-1.23 (-1.1%)
OLY gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 82 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 on the other hand it scores bad on growth. OLY also has an excellent dividend rating. This makes OLY very considerable 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.
Each year in the past 5 years OLY has been profitable.
In the past 5 years OLY always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 37.05%, OLY belongs to the top of the industry, outperforming 97.56% of the companies in the same industry.
The Return On Equity of OLY (48.37%) is better than 97.56% of its industry peers.
The Return On Invested Capital of OLY (45.79%) is better than 98.78% of its industry peers.
The Average Return On Invested Capital over the past 3 years for OLY is significantly above the industry average of 10.02%.
The 3 year average ROIC (54.12%) for OLY is well above the current ROIC(45.79%). The reason for the recent decline needs to be investigated.
| 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
The Profit Margin of OLY (21.30%) is better than 65.85% of its industry peers.
In the last couple of years the Profit Margin of OLY has grown nicely.
With a decent Operating Margin value of 28.06%, OLY is doing good in the industry, outperforming 69.51% of the companies in the same industry.
OLY's Operating Margin has improved in the last couple of years.
With an excellent Gross Margin value of 96.76%, OLY belongs to the best of the industry, outperforming 93.90% 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 | 28.06% | ||
| 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
The number of shares outstanding for OLY remains at a similar level compared to 1 year ago.
OLY has about the same amout of shares outstanding than it did 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 16.78. This indicates that OLY is financially healthy and has little risk of bankruptcy at the moment.
OLY has a better Altman-Z score (16.78) than 92.68% 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.
The Debt to FCF ratio of OLY (0.16) is better than 86.59% 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 74.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.16 | ||
| Altman-Z | 16.78 |
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.
Looking at the Current ratio, with a value of 4.49, OLY is in the better half of the industry, outperforming 78.05% 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.
OLY's Quick ratio of 4.49 is fine compared to the rest of the industry. OLY outperforms 78.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.49 | ||
| Quick Ratio | 4.49 |
3. Growth
3.1 Past
OLY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.99%.
OLY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.45% yearly.
OLY shows a decrease in Revenue. In the last year, the revenue decreased by -2.10%.
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.
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.
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
With a Price/Earnings ratio of 12.39, OLY is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as OLY.
OLY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
Based on the Price/Forward Earnings ratio of 18.12, the valuation of OLY can be described as rather expensive.
Based on the Price/Forward Earnings ratio, OLY is valued a bit cheaper than 63.41% of the companies in the same industry.
OLY is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 18.12 |
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 87.80% of the companies listed in the same industry.
80.49% 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 | 13.76 | ||
| EV/EBITDA | 8.15 |
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)2.93
PEG (5Y)0.61
EPS Next 2Y-2.64%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.30%, OLY is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 1.78, OLY pays a better dividend. On top of this OLY pays more dividend than 89.02% 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 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.3% |
5.2 History
On average, the dividend of OLY grows each year by 21.67%, which is quite nice.
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
80.70% 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.
DP80.7%
EPS Next 2Y-2.64%
EPS Next 3YN/A
TSX:OLY (12/24/2025, 7:00:00 PM)
110.5
-1.23 (-1.1%)
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 Cap266.31M
Revenue(TTM)100.80M
Net Income(TTM)21.47M
Analysts80
Price Target170.17 (54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.3% |
Yearly Dividend7.2
Dividend Growth(5Y)21.67%
DP80.7%
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)-6.1%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.39 | ||
| Fwd PE | 18.12 | ||
| P/S | 2.64 | ||
| P/FCF | 13.76 | ||
| P/OCF | 11.85 | ||
| P/B | 6 | ||
| P/tB | 6.64 | ||
| EV/EBITDA | 8.15 |
EPS(TTM)8.92
EY8.07%
EPS(NY)6.1
Fwd EY5.52%
FCF(TTM)8.03
FCFY7.27%
OCF(TTM)9.33
OCFY8.44%
SpS41.83
BVpS18.42
TBVpS16.65
PEG (NY)2.93
PEG (5Y)0.61
Graham Number60.79
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 16.78 |
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 of OLYMPIA FINANCIAL GROUP INC (OLY.CA) stock?
ChartMill assigns a valuation rating of 6 / 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 12.39 and the Price/Book (PB) ratio is 6.
Can you provide the financial health for OLY stock?
The financial health rating of OLYMPIA FINANCIAL GROUP INC (OLY.CA) is 8 / 10.