The earnings call presented a generally positive outlook with strong financial performance, significant growth in key business segments, and strategic initiatives like the Bitcoin treasury expansion and AI-driven platform development. The only notable challenge was the flat payments volume due to market exit, but this was mitigated by growth in European payments.

Company Guidance

During Mogo's second-quarter 2025 financial results conference call, the company provided a comprehensive overview of its performance, highlighting significant metrics and strategic initiatives. Mogo reported a net income of $13.5 million, with wealth revenue increasing by 48% and payments revenue by 23% year-over-year. The adjusted EBITDA margin expanded to 11.4%, and the company was cash flow positive. Mogo's book value reached $81.6 million, equating to $3.41 per share, supported by cash and marketable securities investments totaling over $50 million. The company emphasized its dual compounding strategy, notably expanding its Bitcoin treasury strategy by deploying $1 million into Bitcoin ETFs and adding another $1.4 million post-quarter from WonderFi monetization proceeds. Wealth assets under management hit a record $462 million, and Mogo initiated a regulatory process to offer crypto trading, potentially becoming one of only two companies in Canada to provide both crypto and equities trading in a regulated environment. The payments business saw a 15% volume increase in Europe, excluding the exited Canadian market. Mogo is also developing a new AI-native platform for long-term investors, with a focus on behavioral discipline rather than trading activity, expected to launch in Q4, with real-time AI integration rolling out in phases. The call also addressed the company's balance sheet strength, boasting $50.8 million in cash and marketable securities, along with a solid adjusted EBITDA of $1.9 million.

Strong Financial Performance in Q2

Net income of $13.5 million achieved, with wealth revenue increasing by 48% year-over-year and payments revenue up 23%. Adjusted EBITDA margin expanded to 11.4%, and the company was cash flow positive.

Growth in Wealth and Payments Segments

Wealth AUM reached an all-time high of $462 million, up 18% year-over-year. Important ARPU shift with new users contributing $20 a month versus $10 from legacy users. European payments volume increased by 15% year-over-year.

Bitcoin Treasury Strategy

Expanded Bitcoin treasury strategy with $1 million deployed into Bitcoin ETFs and an additional $1.4 million post-quarter. Monetization of WonderFi contributed approximately $14 million.

AI-Driven Platform Development

The company is building a new unified AI-native platform for long-term investors, set to launch V1 in Q4, focusing on behavioral discipline rather than engagement.

Regulatory Process for Crypto Trading

Began a regulatory process to offer crypto trading, potentially becoming one of only two companies in Canada to offer both crypto and equities in a single regulated experience.

Mogo Finance Technology (TSE:MOGO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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TSE:MOGO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	-0.07 / -	-0.33	―	―	―
Aug 07, 2025	2025 (Q2)	-0.10 / 0.23	-0.15	253.33% (+0.38)
May 08, 2025	2025 (Q1)	-0.10 / -0.06	-0.16	62.50% (+0.10)
Mar 20, 2025	2024 (Q4)	-0.12 / -0.02	-0.105	81.90% (+0.09)
Nov 06, 2024	2024 (Q3)	-0.15 / -0.33	-0.1	-230.00% (-0.23)
Aug 08, 2024	2024 (Q2)	-0.21 / -0.15	-0.12	-25.00% (-0.03)
May 09, 2024	2024 (Q1)	-0.18 / -0.16	-0.15	-6.67% (-0.01)
Mar 20, 2024	2023 (Q4)	-0.10 / -0.10	-0.18	41.67% (+0.07)
Nov 09, 2023	2023 (Q3)	-0.16 / -0.10	-0.33	69.70% (+0.23)
Aug 10, 2023	2023 (Q2)	-0.18 / -0.12	-0.36	66.67% (+0.24)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

TSE:MOGO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	C$2.25	C$2.34	+4.00%
May 08, 2025	C$1.52	C$1.50	-1.32%
Mar 20, 2025	C$1.50	C$1.36	-9.33%
Nov 06, 2024	C$1.34	C$1.48	+10.45%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Mogo Finance Technology (TSE:MOGO) report earnings?

Mogo Finance Technology (TSE:MOGO) is schdueled to report earning on Nov 05, 2025, After Close (Confirmed).

What is Mogo Finance Technology (TSE:MOGO) earnings time?

Mogo Finance Technology (TSE:MOGO) earnings time is at Nov 05, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

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What is TSE:MOGO EPS forecast?

TSE:MOGO EPS forecast for the fiscal quarter 2025 (Q3) is -0.07.

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