Mogo Finance Technology (MOGO) AI Stock Analysis

• Market Cap: C$37.39M
• Dividend Yield: N/A
• Average Volume (3M): 62.03K
• Price to Earnings (P/E): 5.0
• Beta (1Y): 2.65
• Revenue Growth: -0.91%
• EPS Growth: N/A
• Country: CA
• Employees: 255
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): -0.14
• Shares Outstanding: 23,968,550
• 10 Day Avg. Volume: 67,040
• 30 Day Avg. Volume: 62,034
• PEG Ratio: 0.15
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.64
• P/FCF Ratio: 3.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$5.50
• Price Target Upside: 219.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): -0.04
• Revenue Forecast (FY): C$67.25M

• Rating: 55 Neutral
• Price Target: C$2.00 ▲(16.28% Upside)

Mogo Finance Technology's overall stock score reflects a mixed financial performance with strong gross margins but challenges in revenue growth. The technical analysis indicates bearish momentum, while the valuation suggests the stock is undervalued. The positive sentiment from the earnings call, highlighting strategic advancements and improved guidance, contributes positively to the score.

Positive Factors

AUM and Wealth Revenue Growth

Strong growth in assets under management and wealth revenue indicates effective market positioning and product adoption, enhancing long-term revenue potential.

Bitcoin Holdings Increase

Significant increase in Bitcoin holdings reflects strategic diversification and potential for capital appreciation, supporting long-term asset growth.

Improved EBITDA Guidance

Improved EBITDA guidance suggests enhanced operational efficiency and profitability, indicating a positive trajectory for future financial performance.

Negative Factors

Revenue Growth Challenges

Significant revenue decline highlights potential issues in market demand or competitive positioning, impacting long-term growth prospects.

Interest Revenue Decline

Decline in interest revenue due to regulatory changes may affect profitability and necessitate strategic adjustments to maintain revenue streams.

Net Cash Flow Decrease

Decreased net cash flow indicates potential liquidity management challenges, which could constrain operational flexibility and investment capacity.

Mogo Finance Technology Business Overview & Revenue Model

Company Description

Mogo Finance Technology (MOGO) is a Canadian financial technology company that offers a diverse range of digital financial products and services aimed at enhancing consumers' financial wellness. Operating primarily in the fintech sector, MOGO provides solutions such as personal loans, credit score monitoring, identity fraud protection, and cryptocurrency trading. The company leverages technology to deliver user-friendly financial tools and has a focus on transparency and customer empowerment.

How the Company Makes Money

Mogo generates revenue through various key streams, primarily by offering personal loans and charging interest on these loans. Additionally, the company earns income from subscription fees for its services, such as credit score monitoring and identity protection. Mogo also profits from transaction fees associated with its cryptocurrency trading platform. Strategic partnerships with financial institutions and other fintech companies enhance Mogo's visibility and customer acquisition, contributing to its overall revenue growth. Furthermore, Mogo's commitment to providing innovative financial solutions allows it to tap into emerging market trends, thus increasing its earnings potential.

Mogo Finance Technology Financial Statement Overview

Summary

Mogo Finance Technology shows a mixed financial performance. Strong gross margins are offset by challenges in revenue growth and profitability stability. The balance sheet indicates moderate leverage and equity positioning, while cash flow metrics show positive trends in cash generation.

Income Statement

Mogo Finance Technology's income statement shows a mixed performance. The TTM data indicates a gross profit margin of 71.54%, which is strong, but the net profit margin is relatively low at 5.60%. The company has faced challenges with revenue growth, showing a decline of 80.8% in the TTM period. Despite a positive EBIT margin of 18.04% and an EBITDA margin of 29.38%, the historical data reveals volatility in profitability, with previous periods showing negative margins.

Balance Sheet

The balance sheet reflects a moderate financial position. The debt-to-equity ratio is slightly above 1, indicating a balanced leverage position. The return on equity is low at 5.19% in the TTM period, suggesting limited efficiency in generating returns from equity. The equity ratio stands at 43.28%, indicating a reasonable proportion of equity financing relative to total assets.

Cash Flow

Cash flow analysis shows some positive trends. The free cash flow growth rate is 25.14% in the TTM, indicating improved cash generation. The operating cash flow to net income ratio is low at 0.05, suggesting limited cash flow relative to net income. However, the free cash flow to net income ratio is strong at 1.64, highlighting effective cash conversion from profits.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	69.48M	71.15M	64.83M	68.95M	57.52M	44.24M
Gross Profit	50.16M	56.62M	46.27M	46.24M	46.04M	35.50M
EBITDA	23.24M	7.13M	-2.20M	-43.53M	-4.46M	2.13M
Net Income	7.52M	-13.68M	-17.89M	-165.68M	-33.21M	-26.98M
Balance Sheet
Total Assets	178.94M	189.65M	207.76M	221.49M	393.87M	104.47M
Cash, Cash Equivalents and Short-Term Investments	35.72M	34.62M	16.13M	29.27M	69.21M	12.12M
Total Debt	84.48M	85.62M	88.90M	87.73M	88.72M	91.39M
Total Liabilities	101.48M	108.43M	114.04M	110.61M	124.09M	99.23M
Stockholders Equity	77.46M	81.22M	93.72M	110.89M	269.78M	5.24M
Cash Flow
Free Cash Flow	7.32M	15.23M	-12.59M	-34.95M	-37.61M	38.99M
Operating Cash Flow	5.03M	15.31M	-9.17M	-27.01M	-29.64M	43.80M
Investing Cash Flow	428.03K	-2.79M	-3.09M	-9.15M	-39.59M	-4.82M
Financing Cash Flow	-2.23M	-3.52M	-1.02M	-3.08M	125.86M	-37.28M

Mogo Finance Technology Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.72
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:MOGO, the sentiment is Negative. The current price of 1.72 is above the 20-day moving average (MA) of 1.66, below the 50-day MA of 1.93, and below the 200-day MA of 2.00, indicating a bearish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 32.88 is Neutral, neither overbought nor oversold. The STOCH value of 30.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:MOGO.

Mogo Finance Technology Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MOGO	55 Neutral	C$37.39M	5.00	10.47%	―	-0.91%	―
PLUR	50 Neutral	C$16.53M	-1.67	―	―	17.18%	79.56%
NOW	50 Neutral	C$24.34M	-14.77	-72.87%	―	-5.76%	43.07%
CLIP	46 Neutral	C$21.33M	-1.97	―	―	222.33%	-5.42%

Mogo Finance Technology Corporate Events

Mogo Inc. Achieves Record Growth in Q3 2025, Advances Intelligent Investing Platform

Mogo Inc. reported significant growth in Q3 2025, with record assets under management reaching $498 million and a notable increase in Bitcoin holdings by over 300% quarter-over-quarter. The company saw a 27% rise in wealth revenue and an 11% increase in payments revenue year-over-year, driven by strong platform performance and strategic initiatives. Mogo is advancing its Intelligent Investing platform, which integrates self-directed and managed investing to help Canadians invest smarter. The company is well-positioned for profitable expansion into 2026, supported by a strong balance sheet and strategic monetizations.