Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$289.72M
• Dividend Yield: 6.03%
• Average Volume (3M): 2.79K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.29
• Revenue Growth: 1.49%
• EPS Growth: -3.65%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 82
• Industry: Asset Management
• EPS (TTM): 2.24
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 4,001
• 30 Day Avg. Volume: 2,788
• PEG Ratio: 0.10
• Price to Book (P/B): 6.56
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 20.80
• 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$147.91
• Price Target Upside: 23.77% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 78 Outperform
• Price Target: C$128.00 ▲(7.11%Upside)

Olympia Financial's strong financial performance and attractive valuation are key strengths, contributing positively to the overall score. However, technical indicators suggest caution due to potential overbought conditions, and recent earnings declines highlight some challenges. Positive corporate events provide additional support, leading to a solid overall assessment.

Olympia Financial Business Overview & Revenue Model

Company Description

Olympia Financial (OLY) is a diverse financial services company that operates across various sectors, including currency exchange, corporate and trustee services, and payment processing. The company is committed to providing customized financial solutions to meet the unique needs of its clients, ranging from individuals to large corporations, with a focus on innovation and customer service.

How the Company Makes Money

Olympia Financial makes money through a diversified revenue model that includes key streams such as foreign exchange services, where they earn income from currency conversion fees and spread on exchange rates. Additionally, they generate revenue from corporate and trustee services by offering fiduciary, escrow, and other trust-related services, charging clients for managing and administrating these financial processes. Their payment processing division contributes to earnings by charging transaction fees and service charges for facilitating payments between parties. Olympia Financial's ability to sustain earnings is bolstered by strategic partnerships with financial institutions and continuous adaptation to market demands, enhancing their service offerings and expanding their client base.

Olympia Financial Financial Statement Overview

Summary

Olympia Financial demonstrates strong revenue growth, robust gross profit margins, and stable net profit margins. The balance sheet shows low leverage and high equity, while cash flow generation is strong, indicating efficient cash management.

Income Statement

Olympia Financial demonstrates strong and consistent revenue growth, with a significant increase in revenue from 2022 to 2025. The gross profit margin remains robust, reflecting effective cost management. Net profit margins have been stable, suggesting consistent profitability. The EBIT and EBITDA margins also show strong performance, indicating healthy operational efficiency.

Balance Sheet

The company maintains a solid financial position with a low debt-to-equity ratio, highlighting prudent leverage management. Return on Equity (ROE) is impressive, indicating effective use of shareholder funds to generate profits. The equity ratio is stable, reflecting a strong capital base and balance sheet stability.

Cash Flow

Olympia Financial displays strong cash flow generation with a significant increase in free cash flow over the years. The operating cash flow to net income ratio is healthy, indicating efficient cash conversion from earnings. The free cash flow to net income ratio further underscores the company's ability to generate cash in excess of its income, supporting growth and financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	102.48M	102.31M	99.82M	71.38M	48.35M	48.04M
Gross Profit	74.00M	50.78M	96.15M	40.33M	25.43M	26.99M
EBITDA	33.41M	33.56M	32.91M	21.90M	12.96M	14.84M
Net Income	23.58M	23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet
Total Assets	65.32M	49.39M	47.27M	37.50M	36.56M	30.65M
Cash, Cash Equivalents and Short-Term Investments	30.10M	12.86M	10.92M	8.37M	15.34M	15.94M
Total Debt	2.17M	2.29M	3.57M	6.34M	13.79M	5.99M
Total Liabilities	22.33M	7.47M	11.95M	12.17M	17.78M	11.75M
Stockholders Equity	42.98M	41.92M	35.32M	25.32M	18.77M	18.90M
Cash Flow
Free Cash Flow	24.60M	20.57M	18.59M	7.98M	11.52M	10.13M
Operating Cash Flow	26.70M	20.97M	18.95M	8.55M	11.88M	10.66M
Investing Cash Flow	-2.11M	-400.78K	376.39K	-29.84K	-7.18M	930.16K
Financing Cash Flow	-19.62M	-18.62M	-16.77M	-15.12M	12.66K	-9.41M

Olympia Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 119.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 119.5 is above the 20-day moving average (MA) of 118.99, above the 50-day MA of 110.97, and above the 200-day MA of 103.45, indicating a bullish trend. The MACD of 2.82 indicates Positive momentum. The RSI at 64.89 is Neutral, neither overbought nor oversold. The STOCH value of 57.11 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
AGF.B	78 Outperform	C$860.80M	8.19	9.24%	3.80%	16.93%	17.52%
OLY	78 Outperform	C$289.72M	12.29	59.15%	6.03%	1.49%	-3.65%
CVG	77 Outperform	C$1.10B	9.03	10.05%	1.04%	120.44%	―
FSZ	72 Outperform	C$719.70M	18.30	13.09%	9.12%	3.59%	-43.99%
GCG	71 Outperform	C$1.04B	14.73	5.62%	4.94%	35.78%	-24.67%
SEC	69 Neutral	C$804.40M	2.95	-7.43%	―	-8.45%	211.31%
Sector *	67 Neutral	¥718.51B	10.84	7.44%	3.36%	7.82%	15.26%

Olympia Financial Corporate Events

Olympia Financial Group Inc. Announces 2025 Director Election Results

Olympia Financial Group Inc. announced the election results of its 2025 Annual Meeting of Shareholders, where seven director nominees were elected with high approval rates. The re-appointment of PricewaterhouseCoopers LLP as auditors was also confirmed. This announcement reflects a stable governance structure and continued confidence in the company’s leadership, potentially reinforcing its market position and stakeholder trust.

The most recent analyst rating on (TSE:OLY) stock is a Buy with a C$135.19 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.

Olympia Financial Declares June Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on June 30, 2025. This declaration reflects the company’s ongoing commitment to providing returns to its shareholders and may influence its market positioning positively by reinforcing investor confidence.

The most recent analyst rating on (TSE:OLY) stock is a Buy with a C$143.52 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.

Olympia Financial Reports Q1 2025 Earnings Decline Amid Rising Costs

Olympia Financial Group Inc. reported a 6% decrease in total net earnings to $5.40 million for the first quarter of 2025, compared to the same period in 2024. The company experienced a slight decline in total revenue, which fell by less than 1% to $25.39 million. Service revenue saw a 1% increase due to a growing client base, while trust and other income decreased by 2% due to lower interest rates. Direct and administrative expenses rose by 1%, primarily driven by increased computer support and maintenance costs. The financial results indicate a challenging environment with slight revenue declines and increased operational costs, impacting Olympia’s earnings per share, which fell by 6% to $2.24.

Olympia Financial Group Inc. Declares May Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on May 30, 2025, to shareholders on record as of May 21, 2025. This announcement reflects the company’s commitment to providing returns to its shareholders and may positively impact investor sentiment and the company’s market position.

Olympia Financial Group Appoints Brenda J. Eprile to Board of Directors

Olympia Financial Group Inc. has announced the appointment of Brenda J. Eprile to the Board of Directors of Olympia Trust Company. Ms. Eprile brings extensive experience as a corporate director, having previously led the board of Home Capital Group through significant financial challenges. Her background includes senior roles at PricewaterhouseCoopers LLP and the Ontario Securities Commission, making her a valuable addition to Olympia’s leadership team. This appointment is expected to strengthen Olympia’s governance and strategic direction, potentially enhancing its market position and stakeholder confidence.