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Olympia Fin Group (TSE:OLY)
TSX:OLY
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Olympia Financial (OLY) AI Stock Analysis

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TSE:OLY

Olympia Financial

(TSX:OLY)

Rating:81Outperform
Price Target:
C$140.00
▲(12.46%Upside)
Olympia Financial's strong financial performance and valuation are the most significant factors contributing to its high overall score. Solid technical indicators and positive corporate events further support the stock's attractiveness, despite a slight earnings decline impacting short-term sentiment.

Olympia Financial (OLY) vs. iShares MSCI Canada ETF (EWC)

Olympia Financial Business Overview & Revenue Model

Company DescriptionOlympia Financial Group Inc., through its subsidiary, Olympia Trust Company, operates as a non-deposit taking trust company in Canada. The company operates through Investment Account Services, Currency and Global Payments, Private Health Services Plan, Exempt Edge, Corporate and Shareholder Services, and divisions. The Investment Account Services division acts as trustee and administrator for self-directed, non-registered, and registered investment plans, as well as tax free savings accounts. The Currency and Global Payments division offers spot trades, forward contracts, and put and call options to facilitate the exchange of currencies for sole proprietors to multi-national corporations. The Private Health Services Plan division markets, sells, and administers health and dental benefits to business owners and self-employed individuals. The Exempt Edge division engages in the development, marketing and licensing a suite of cloud-based software systems to issuers, exempt market dealers, investors, trust companies, and advisors. The Corporate and Shareholder Services division provides transfer agency and corporate trust services to public and private issuers. Olympia Financial Group Inc. was incorporated in 1994 and is headquartered in Calgary, Canada.
How the Company Makes MoneyOlympia Financial makes money through various revenue streams including fees from foreign exchange transactions, charges for corporate and shareholder services, and administration fees from self-directed registered accounts. The company's ability to offer a wide range of financial services allows it to cater to a diverse clientele, contributing to its revenue stability. Key partnerships with financial institutions and a strong reputation for trust and reliability also play a significant role in driving its earnings.

Olympia Financial Financial Statement Overview

Summary
Olympia Financial exhibits robust financial performance with consistent revenue and profit growth, strong margins, and efficient cash flow management. The balance sheet is solid, characterized by low leverage and high equity, suggesting a stable financial trajectory and strong potential for future growth.
Income Statement
87
Very Positive
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
83
Very Positive
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
90
Very Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue102.31M99.82M71.38M48.35M48.04M
Gross Profit50.78M96.15M40.33M25.43M26.99M
EBITDA33.56M32.91M21.90M12.96M14.84M
Net Income23.92M23.96M14.15M6.51M7.99M
Balance Sheet
Total Assets49.39M47.27M37.50M36.56M30.65M
Cash, Cash Equivalents and Short-Term Investments12.86M10.92M8.37M15.34M15.94M
Total Debt2.29M3.57M6.34M13.79M5.99M
Total Liabilities7.47M11.95M12.17M17.78M11.75M
Stockholders Equity41.92M35.32M25.32M18.77M18.90M
Cash Flow
Free Cash Flow20.57M18.59M7.98M11.52M10.13M
Operating Cash Flow20.97M18.95M8.55M11.88M10.66M
Investing Cash Flow-400.78K376.39K-29.84K-7.18M930.16K
Financing Cash Flow-18.62M-16.77M-15.12M12.66K-9.41M

Olympia Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price124.49
Price Trends
50DMA
116.35
Positive
100DMA
109.44
Positive
200DMA
105.01
Positive
Market Momentum
MACD
2.01
Positive
RSI
71.95
Negative
STOCH
99.92
Negative
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 124.49 is above the 20-day moving average (MA) of 121.50, above the 50-day MA of 116.35, and above the 200-day MA of 105.01, indicating a bullish trend. The MACD of 2.01 indicates Positive momentum. The RSI at 71.95 is Negative, neither overbought nor oversold. The STOCH value of 99.92 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:OLY.

Olympia Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
C$298.34M12.6559.15%7.40%1.49%-3.65%
81
Outperform
C$819.34M7.839.24%3.80%16.93%17.52%
77
Outperform
C$1.07B8.7810.05%0.13%120.44%
71
Outperform
C$1.04B14.705.62%4.40%35.78%-24.67%
69
Neutral
C$856.58M2.95-7.43%-8.45%211.31%
65
Neutral
C$725.47M18.6313.09%11.27%3.59%-43.99%
64
Neutral
$6.67B10.267.22%190.98%24.07%5.12%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
TSE:OLY
Olympia Financial
124.49
37.00
42.29%
TSE:AGF.B
AGF Management B NV
12.64
4.82
61.64%
TSE:CVG
Clairvest
74.34
3.17
4.45%
TSE:FSZ
Fiera Capital A
6.70
-0.60
-8.22%
TSE:GCG
Guardian Capital
44.15
2.74
6.62%
TSE:SEC
Senvest Capital
351.25
25.00
7.66%

Olympia Financial Corporate Events

Dividends
Olympia Financial Group Declares July Dividend of $0.60 per Share
Positive
Jul 9, 2025

Olympia Financial Group Inc. announced a monthly cash dividend of $0.60 per common share, payable on July 31, 2025, to shareholders on record as of July 22, 2025. This declaration reflects the company’s ongoing commitment to providing shareholder value and may influence investor perception positively, reinforcing its stable financial positioning within the financial services industry.

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.

Executive/Board ChangesShareholder Meetings
Olympia Financial Group Inc. Announces 2025 Director Election Results
Positive
Jun 19, 2025

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.

Dividends
Olympia Financial Declares June Dividend
Positive
Jun 4, 2025

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.

Financial Disclosures
Olympia Financial Reports Q1 2025 Earnings Decline Amid Rising Costs
Negative
May 8, 2025

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.

Dividends
Olympia Financial Group Inc. Declares May Dividend
Positive
May 5, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 10, 2025