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MOGO INC (MOGO) Stock Fundamental Analysis

NASDAQ:MOGO - Nasdaq - CA60800C2085 - Common Stock - Currency: USD

1.145  -0.03 (-2.97%)

Fundamental Rating

1

MOGO gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. MOGO has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, MOGO is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year MOGO has reported negative net income.
MOGO had a negative operating cash flow in the past year.
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 Yearly Net Income VS EBIT VS OCF VS FCFMOGO 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

MOGO's Return On Assets of -8.49% is on the low side compared to the rest of the industry. MOGO is outperformed by 90.38% of its industry peers.
MOGO has a Return On Equity of -22.05%. This is amonst the worse of the industry: MOGO underperforms 86.54% 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 Yearly ROA, ROE, ROICMOGO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -200 -400 -600

1.3 Margins

With an excellent Gross Margin value of 91.11%, MOGO belongs to the best of the industry, outperforming 86.54% of the companies in the same industry.
MOGO's Gross Margin has declined in the last couple of years.
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 Yearly Profit, Operating, Gross MarginsMOGO 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.
The number of shares outstanding for MOGO has been reduced compared to 1 year ago.
MOGO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for MOGO is higher compared to a year ago.
MOGO Yearly Shares OutstandingMOGO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
MOGO Yearly Total Debt VS Total AssetsMOGO 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 -2.20. This is a bad value and indicates that MOGO is not financially healthy and even has some risk of bankruptcy.
MOGO has a Altman-Z score of -2.20. This is in the lower half of the industry: MOGO underperforms 75.00% of its industry peers.
A Debt/Equity ratio of 1.23 is on the high side and indicates that MOGO has dependencies on debt 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 -2.2
ROIC/WACCN/A
WACC10.21%
MOGO Yearly LT Debt VS Equity VS FCFMOGO 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

MOGO has a Current Ratio of 0.93. This is a bad value and indicates that MOGO is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.93, MOGO is in line with its industry, outperforming 46.15% of the companies in the same industry.
MOGO has a Quick Ratio of 0.93. This is a bad value and indicates that MOGO is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of MOGO (0.93) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
MOGO Yearly Current Assets VS Current LiabilitesMOGO 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.
Looking at the last year, MOGO shows a small growth in Revenue. The Revenue has grown by 7.82% in the last year.
MOGO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 97.51% yearly.
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

The Earnings Per Share is expected to grow by 0.31% on average over the next years.
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 Yearly Revenue VS EstimatesMOGO 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 Yearly EPS VS EstimatesMOGO 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.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for MOGO. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
MOGO Price Earnings VS Forward Price EarningsMOGO 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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 23.36
MOGO Per share dataMOGO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 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

No dividends for MOGO!.
Industry RankSector Rank
Dividend Yield N/A

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MOGO INC

NASDAQ:MOGO (2/21/2025, 8:00:01 PM)

1.145

-0.03 (-2.97%)

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 Change-96.82%
Ins Owners7.01%
Ins Owner ChangeN/A
Market Cap28.02M
Analysts82.86
Price Target2.83 (147.16%)
Short Float %0.64%
Short Ratio1.79
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)-20.63%
PT rev (3m)-22.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-25.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.5%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.57
P/FCF N/A
P/OCF N/A
P/B 0.56
P/tB N/A
EV/EBITDA 23.36
EPS(TTM)-0.3
EYN/A
EPS(NY)-0.27
Fwd EYN/A
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)-0.12
OCFYN/A
SpS2.02
BVpS2.03
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 -2.2
F-Score4
WACC10.21%
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