Mogo Finance Technology (MOGO) AI Stock Analysis

• Market Cap: $47.90M
• Dividend Yield: N/A
• Average Volume (3M): 65.49K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 2.60
• Revenue Growth: -0.91%
• EPS Growth: N/A
• Country: CA
• Employees: 255
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): -0.07
• Shares Outstanding: 23,949,000
• 10 Day Avg. Volume: 58,413
• 30 Day Avg. Volume: 65,489
• 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: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $5.61
• Price Target Upside: 181.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: C$2.50 ▲(25.63% Upside)

Mogo Finance Technology's overall stock score is primarily impacted by its financial performance challenges, including declining revenues and high leverage. Technical analysis indicates bearish momentum, adding to the cautious outlook. However, the earnings call provided a positive note with strong growth in key areas and improved guidance, which partially offsets the financial and technical concerns.

Positive Factors

Revenue Growth

The significant growth in assets under management and wealth revenue reflects Mogo's expanding market presence and successful strategic initiatives, indicating a positive long-term revenue trajectory.

Payment Business Expansion

The growth in payments revenue underscores Mogo's ability to capitalize on international markets, enhancing its competitive position and supporting sustainable revenue streams.

Improved EBITDA Guidance

The improved EBITDA guidance reflects operational efficiency and management's confidence in Mogo's growth strategy, which is crucial for long-term profitability and financial health.

Negative Factors

Declining Revenue

The significant decline in revenue growth indicates potential challenges in maintaining market share and customer engagement, which can impact long-term financial stability.

High Leverage

High leverage poses financial risks by limiting flexibility and increasing vulnerability to economic downturns, potentially affecting Mogo's long-term sustainability.

Cash Flow Challenges

Negative cash flow growth highlights issues in cash generation, which could constrain Mogo's ability to invest in growth opportunities and manage operational expenses effectively.

Mogo Finance Technology Business Overview & Revenue Model

Company Description

Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.

How the Company Makes Money

Mogo generates revenue through multiple key streams. Primarily, it earns money from interest on personal loans provided to consumers, which are designed to help individuals manage their financial needs. Additionally, MOGO charges fees for its various financial services, including subscriptions for credit monitoring and identity theft protection. The company also benefits from transactions related to its cryptocurrency trading platform, where it earns fees on trades made by users. Furthermore, Mogo has established partnerships with various organizations to enhance its service offerings, which can lead to additional revenue opportunities through strategic alliances and integrations. Overall, MOGO's business model focuses on leveraging technology to provide value-added services that generate recurring revenue and foster customer loyalty.

Mogo Finance Technology Financial Statement Overview

Summary

Mogo Finance Technology faces significant financial challenges. Despite a strong gross profit margin, declining revenues and negative profit margins indicate operational struggles. The high debt-to-equity ratio suggests financial leverage risks, and cash flow metrics highlight issues in cash generation. The company needs to focus on improving profitability and managing debt levels to enhance financial stability.

Income Statement

Mogo Finance Technology's income statement shows mixed results. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 73.53%, indicating efficient cost management. However, the net profit margin is negative, reflecting ongoing profitability challenges. Revenue growth has declined significantly by 77.5% in the TTM, which is concerning. The EBIT and EBITDA margins are also negative, highlighting operational inefficiencies.

Balance Sheet

The balance sheet presents a moderate risk profile. The debt-to-equity ratio is 1.20, indicating a high level of leverage, which could pose financial risks. Return on equity is positive at 5.19%, showing some profitability, but the equity ratio is not provided, limiting a full assessment of financial stability.

Cash Flow

Cash flow analysis reveals challenges in cash generation. The free cash flow growth rate is negative at -24.67%, indicating declining cash reserves. The operating cash flow to net income ratio is low at 0.14, suggesting limited cash flow relative to earnings. However, the free cash flow to net income ratio is relatively healthy at 0.85, showing some ability to convert earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	70.05M	71.15M	64.83M	68.95M	57.52M	44.24M
Gross Profit	50.12M	56.62M	46.27M	46.24M	46.04M	35.50M
EBITDA	20.58M	7.13M	-2.20M	-43.53M	-4.46M	2.13M
Net Income	3.92M	-13.68M	-17.89M	-165.68M	-33.21M	-26.98M
Balance Sheet
Total Assets	183.01M	189.65M	207.76M	221.49M	393.87M	104.47M
Cash, Cash Equivalents and Short-Term Investments	38.19M	34.62M	16.13M	29.27M	69.21M	12.12M
Total Debt	83.03M	85.62M	88.90M	87.73M	88.72M	91.39M
Total Liabilities	101.42M	108.43M	114.04M	110.61M	124.09M	99.23M
Stockholders Equity	81.59M	81.22M	93.72M	110.89M	269.78M	5.24M
Cash Flow
Free Cash Flow	5.85M	15.23M	-12.59M	-34.95M	-37.61M	38.99M
Operating Cash Flow	3.56M	15.31M	-9.17M	-27.01M	-29.64M	43.80M
Investing Cash Flow	-721.00K	-2.79M	-3.09M	-9.15M	-39.59M	-4.82M
Financing Cash Flow	-4.71M	-3.52M	-1.02M	-3.08M	125.86M	-37.28M

Mogo Finance Technology Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 1.99 is below the 20-day moving average (MA) of 2.34, below the 50-day MA of 2.49, and below the 200-day MA of 2.00, indicating a bearish trend. The MACD of -0.14 indicates Positive momentum. The RSI at 27.53 is Positive, neither overbought nor oversold. The STOCH value of 15.71 is Positive, 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	53 Neutral	$47.90M	11.97	5.07%	―	-0.91%	―
PLUR	44 Neutral	C$15.71M	-1.02	―	―	5.61%	72.77%
CLIP	41 Neutral	C$23.18M	-1.86	―	―	245.98%	9.70%
NOW	38 Underperform	C$26.36M	-200.00	-10.10%	―	-13.50%	96.77%

Mogo Finance Technology Corporate Events

Mogo Inc. Reports Record Growth in Q3 2025

Mogo Inc. is a financial technology company that focuses on digital wealth and payments, offering innovative solutions for intelligent investing and financial management. In its latest earnings report for Q3 2025, Mogo highlighted significant growth in its platform, with record assets under management reaching $498 million and a notable increase in Bitcoin holdings by over 300% quarter-over-quarter. The company also reported a 27% year-over-year increase in wealth revenue and an 11% rise in payments revenue. Key financial metrics included an adjusted EBITDA margin of 11.6% and a total cash and investments position of $46.1 million.

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.

The most recent analyst rating on (TSE:MOGO) stock is a Hold with a C$2.50 price target. To see the full list of analyst forecasts on Mogo Finance Technology stock, see the TSE:MOGO Stock Forecast page.

Mogo Finance Technology Q2 2025 Earnings Call Highlights

Mogo Finance Technology’s recent earnings call conveyed a generally positive sentiment, underscoring robust growth in its wealth and payments sectors, alongside a successful expansion of its Bitcoin strategy. The company is making strides towards launching new AI and crypto trading platforms, although the flat payment volume and reliance on Bitcoin present potential risks.

Mogo Inc. Reports Q2 2025 Earnings and Strategic Developments

Mogo Inc. is a financial technology company that operates in wealth, lending, and payments sectors, with a strategic focus on Bitcoin. The company aims to provide innovative financial solutions to enhance long-term financial health and success, primarily in the Canadian market. Mogo’s unique integration of subprime lending with wealth and investing solutions sets it apart in the industry.