Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$256.30M
• Dividend Yield: 6.76%
• Average Volume (3M): 1.70K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.40
• Revenue Growth: 4.20%
• EPS Growth: -0.15%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 81
• Industry: Asset Management Services
• EPS (TTM): 9.94
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 834
• 30 Day Avg. Volume: 1,702
• PEG Ratio: 1.48
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.49
• Price to Cash Flow (P/CF): 36.70
• P/FCF Ratio: 36.70
• 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$143.52
• Price Target Upside: 34.75% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Olympia Financial's strong financial performance drives its overall score, supported by consistent revenue growth and effective equity management. Technical analysis suggests moderate upward momentum, while valuation metrics and attractive dividend yield bolster the stock's investment appeal. Recent corporate events reinforce investor confidence.

Olympia Financial Business Overview & Revenue Model

Company Description

Olympia Financial (OLY) is a diversified financial services company operating primarily in Canada. It offers a range of financial products and services including foreign exchange, investment services, corporate and consumer trust services, and self-directed registered plans. Olympia Financial is committed to providing innovative financial solutions tailored to meet the needs of its clients across various sectors.

How the Company Makes Money

Olympia Financial makes money through a diversified revenue model that includes several key streams. The company earns revenue from its foreign exchange services by facilitating currency conversions and earning a margin on the exchange rate. Its investment services generate income through management fees and commissions on transactions. In the trust services segment, Olympia earns fees by acting as a trustee for corporate and consumer clients. Additionally, the company generates revenue from its self-directed registered plans by charging administration fees. Significant partnerships with financial institutions and robust client relationships play a crucial role in sustaining and enhancing Olympia's earnings.

Olympia Financial Financial Statement Overview

Summary

Olympia Financial demonstrates strong financial health with consistent revenue growth, high profit margins, and effective equity management. The balance sheet reflects stability with low leverage. While EBIT was zero in the latest year, the company maintains profitability and strong cash flow generation, positioning it well for future growth.

Income Statement

Olympia Financial has demonstrated strong revenue growth over the years, with a notable increase of 24.32% from 2022 to 2023 and 2.46% from 2023 to 2024. The gross profit margin for 2024 is 49.64%, indicating efficient cost management. However, EBIT was zero in 2024, which is concerning despite previous strong EBIT margins. The net profit margin is healthy at 23.39% for 2024.

Balance Sheet

The company's debt-to-equity ratio has improved significantly, with total debt decreasing over the years, leading to a current ratio of 0.05. The equity ratio stands at a robust 84.89%, reflecting strong financial stability. Return on equity is strong at 57.06% for 2024, demonstrating effective use of equity to generate profits.

Cash Flow

Positive free cash flow growth is evident, with a consistent increase over the years. The operating cash flow to net income ratio is 0.88 for 2024, indicating solid cash generation. Free cash flow to net income ratio is also strong at 0.86, showcasing the company's ability to generate cash relative to its net income.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
102.31M	99.82M	71.38M	48.35M	48.04M
	Gross Profit
50.78M	96.15M	40.33M	25.43M	26.99M
	EBIT
0.00	33.39M	19.35M	10.75M	13.00M
	EBITDA
33.56M	32.91M	21.90M	12.96M	14.84M
	Net Income Common Stockholders
23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
12.86M	10.92M	8.37M	15.34M	15.94M
	Total Assets
49.39M	47.27M	37.50M	36.56M	30.65M
	Total Debt
2.29M	3.57M	6.34M	13.79M	5.99M
	Net Debt
-10.57M	-7.35M	-2.02M	-1.31M	-9.95M
	Total Liabilities
7.47M	11.95M	12.17M	17.78M	11.75M
	Stockholders Equity
41.92M	35.32M	25.32M	18.77M	18.90M
Cash Flow		Free Cash Flow
20.57M	18.59M	7.98M	11.52M	10.13M
	Operating Cash Flow
20.97M	18.95M	8.55M	11.88M	10.66M
	Investing Cash Flow
-400.78K	376.39K	-169.84K	-7.18M	930.16K
	Financing Cash Flow
-18.62M	-16.77M	-15.12M	12.66K	-9.41M

Olympia Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 106.51
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:OLY, the sentiment is Positive. The current price of 106.51 is above the 20-day moving average (MA) of 105.31, below the 50-day MA of 106.85, and above the 200-day MA of 99.68, indicating a neutral trend. The MACD of 0.21 indicates Negative momentum. The RSI at 50.61 is Neutral, neither overbought nor oversold. The STOCH value of 40.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:OLY.

Olympia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OLY	78 Outperform	C$256.30M	10.85	61.94%	6.76%	4.20%	-0.15%
Sector *	64 Neutral	$14.53B	10.25	8.67%	4.22%	16.51%	-12.20%
ONEX	57 Neutral	C$7.05B	18.07	3.54%	0.41%	-17.78%	-41.13%
FN	56 Neutral	C$2.35B	11.86	27.56%	6.26%	16.99%	-19.87%
LB	53 Neutral	$1.21B	―	-0.24%	7.11%	-3.68%	-111.41%

Olympia Financial Corporate Events

Olympia Financial Group Declares March Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on March 31, 2025, to shareholders on record as of March 20, 2025. This declaration reflects the company’s ongoing commitment to providing shareholder value and may positively impact investor sentiment, reinforcing its position in the financial services industry.

Olympia Financial Group Reports Stable 2024 Financial Results

Olympia Financial Group Inc. reported its 2024 annual financial results, showing a slight decrease in net earnings and comprehensive income to $23.92 million, despite a 3% increase in total revenue to $102.92 million, driven by higher trust income. The company faced a decrease in service revenue and other gains, while direct and administrative expenses rose due to increased salaries and maintenance costs. The results indicate stable financial performance with minor fluctuations in revenue streams and expenses, reflecting the company’s resilience in maintaining its market position.

Olympia Financial Group Declares February Dividend

Olympia Financial Group Inc. has declared a monthly cash dividend of $0.60 per common share payable on February 28, 2025, highlighting its commitment to returning value to shareholders. This announcement reinforces Olympia’s stable financial position and may positively influence investor confidence, considering the dividend’s designation as an ‘eligible dividend’ under Canadian tax laws.

Olympia Financial Declares January Dividend

Olympia Financial Group Inc. announced a monthly cash dividend of $0.60 per common share, payable on January 31, 2025, to shareholders on record as of January 22, 2025. This decision reflects Olympia Financial’s ongoing commitment to returning value to its shareholders, potentially enhancing its attractiveness in the financial services sector.