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MOGO INC (MOGO.CA) Stock Fundamental Analysis

TSX:MOGO - Toronto Stock Exchange - CA60800C2085 - Common Stock - Currency: CAD

1.45  +0.08 (+5.84%)

Fundamental Rating

1

Overall MOGO gets a fundamental rating of 1 out of 10. We evaluated MOGO against 6 industry peers in the Consumer Finance industry. MOGO may be in some trouble as it scores bad on both profitability and health. MOGO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

MOGO had negative earnings in the past year.
In the past year MOGO has reported a negative cash flow from operations.
In the past 5 years MOGO always reported negative net income.
In the past 5 years MOGO reported 4 times negative operating cash flow.
MOGO.CA Yearly Net Income VS EBIT VS OCF VS FCFMOGO.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -50M -100M -150M

1.2 Ratios

With a Return On Assets value of -8.49%, MOGO is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
MOGO has a worse Return On Equity (-22.05%) than 71.43% of its industry peers.
Industry RankSector Rank
ROA -8.49%
ROE -22.05%
ROIC N/A
ROA(3y)-30.61%
ROA(5y)-22.38%
ROE(3y)-60.26%
ROE(5y)-208.22%
ROIC(3y)N/A
ROIC(5y)N/A
MOGO.CA Yearly ROA, ROE, ROICMOGO.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -200 -400 -600

1.3 Margins

MOGO's Gross Margin of 91.11% is amongst the best of the industry. MOGO outperforms 100.00% of its industry peers.
In the last couple of years the Gross Margin of MOGO has declined.
The Profit Margin and Operating Margin are not available for MOGO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 91.11%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.51%
GM growth 5YN/A
MOGO.CA Yearly Profit, Operating, Gross MarginsMOGO.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100 -100 200 -200

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2. Health

2.1 Basic Checks

MOGO does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, MOGO has less shares outstanding
Compared to 5 years ago, MOGO has more shares outstanding
Compared to 1 year ago, MOGO has a worse debt to assets ratio.
MOGO.CA Yearly Shares OutstandingMOGO.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
MOGO.CA Yearly Total Debt VS Total AssetsMOGO.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

2.2 Solvency

MOGO has an Altman-Z score of -2.23. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -2.23, MOGO is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
MOGO has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
MOGO has a Debt to Equity ratio (1.23) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF N/A
Altman-Z -2.23
ROIC/WACCN/A
WACC9.5%
MOGO.CA Yearly LT Debt VS Equity VS FCFMOGO.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M

2.3 Liquidity

A Current Ratio of 0.93 indicates that MOGO may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.93, MOGO is in line with its industry, outperforming 42.86% of the companies in the same industry.
A Quick Ratio of 0.93 indicates that MOGO may have some problems paying its short term obligations.
MOGO has a Quick ratio (0.93) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
MOGO.CA Yearly Current Assets VS Current LiabilitesMOGO.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.27% over the past year.
The Revenue has been growing slightly by 7.82% in the past year.
Measured over the past years, MOGO shows a very strong growth in Revenue. The Revenue has been growing by 97.51% on average per year.
EPS 1Y (TTM)2.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
Revenue 1Y (TTM)7.82%
Revenue growth 3Y13.8%
Revenue growth 5Y97.51%
Sales Q2Q%9.3%

3.2 Future

Based on estimates for the next years, MOGO will show a small growth in Earnings Per Share. The EPS will grow by 0.31% on average per year.
The Revenue is expected to grow by 6.93% on average over the next years.
EPS Next Y-94.85%
EPS Next 2Y0.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.24%
Revenue Next 2Y6.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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.
MOGO.CA Yearly Revenue VS EstimatesMOGO.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M 60M
MOGO.CA Yearly EPS VS EstimatesMOGO.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 -0.5 -1 -1.5 -2

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MOGO. In the last year negative earnings were reported.
Also next year MOGO is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
MOGO.CA Price Earnings VS Forward Price EarningsMOGO.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

MOGO's Enterprise Value to EBITDA is on the same level as the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 22.5
MOGO.CA Per share dataMOGO.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.31%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

MOGO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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MOGO INC

TSX:MOGO (3/7/2025, 7:00:00 PM)

1.45

+0.08 (+5.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-06 2024-11-06/bmo
Earnings (Next)03-18 2025-03-18/amc
Inst Owners10.35%
Inst Owner ChangeN/A
Ins Owners7.01%
Ins Owner ChangeN/A
Market Cap35.48M
Analysts82.86
Price Target4.08 (181.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)46.24%
Min EPS beat(2)5.12%
Max EPS beat(2)87.35%
EPS beat(4)3
Avg EPS beat(4)25.53%
Min EPS beat(4)-3.2%
Max EPS beat(4)87.35%
EPS beat(8)7
Avg EPS beat(8)37.76%
EPS beat(12)10
Avg EPS beat(12)13.41%
EPS beat(16)13
Avg EPS beat(16)11.71%
Revenue beat(2)0
Avg Revenue beat(2)-2.74%
Min Revenue beat(2)-3.96%
Max Revenue beat(2)-1.53%
Revenue beat(4)2
Avg Revenue beat(4)0.35%
Min Revenue beat(4)-3.96%
Max Revenue beat(4)5.12%
Revenue beat(8)6
Avg Revenue beat(8)1.4%
Revenue beat(12)7
Avg Revenue beat(12)0.49%
Revenue beat(16)11
Avg Revenue beat(16)1.16%
PT rev (1m)0%
PT rev (3m)-20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.5
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB N/A
EV/EBITDA 22.5
EPS(TTM)-0.43
EYN/A
EPS(NY)-0.39
Fwd EYN/A
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)-0.16
OCFYN/A
SpS2.87
BVpS2.89
TBVpS-0.02
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -8.49%
ROE -22.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 91.11%
FCFM N/A
ROA(3y)-30.61%
ROA(5y)-22.38%
ROE(3y)-60.26%
ROE(5y)-208.22%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.51%
GM growth 5YN/A
F-Score4
Asset Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 1.23
Debt/FCF N/A
Debt/EBITDA 17.37
Cap/Depr 41.26%
Cap/Sales 5.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.93
Quick Ratio 0.93
Altman-Z -2.23
F-Score4
WACC9.5%
ROIC/WACCN/A
Cap/Depr(3y)54.36%
Cap/Depr(5y)66.67%
Cap/Sales(3y)10.21%
Cap/Sales(5y)11.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.27%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
EPS Next Y-94.85%
EPS Next 2Y0.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.82%
Revenue growth 3Y13.8%
Revenue growth 5Y97.51%
Sales Q2Q%9.3%
Revenue Next Year10.24%
Revenue Next 2Y6.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y48.48%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year256.15%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y82.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y88.18%
OCF growth 3YN/A
OCF growth 5YN/A