Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$272.88M
• Dividend Yield: 6.35%
• Average Volume (3M): 3.27K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.14
• Revenue Growth: -2.76%
• EPS Growth: -12.20%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 1.93
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 5,447
• 30 Day Avg. Volume: 3,275
• PEG Ratio: -53.96
• Price to Book (P/B): 6.18
• Price to Sales (P/S): 2.53
• P/FCF Ratio: 12.60
• 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$166.83
• Price Target Upside: 47.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Neutral
• Price Target: C$123.00 ▲(8.47% Upside)

Olympia Financial's strong financial performance and attractive valuation are key strengths, but bearish technical indicators suggest caution. The lack of earnings call data and corporate events limits further insights.

Positive Factors

Balance Sheet Health

A low debt-to-equity ratio indicates financial stability and low leverage, enhancing the company's ability to withstand economic fluctuations.

Profitability

High profitability margins reflect efficient operations and the ability to maintain competitive pricing, supporting long-term financial health.

Cash Generation Ability

Strong cash generation relative to earnings provides flexibility for reinvestment and debt servicing, ensuring operational resilience.

Negative Factors

Revenue Growth Challenges

Declining revenue growth may indicate market saturation or increased competition, potentially impacting future earnings expansion.

Decreasing Free Cash Flow

Reduced free cash flow growth can limit the company's ability to invest in new opportunities, affecting long-term growth prospects.

EPS Growth Decline

A decline in EPS growth suggests challenges in profitability expansion, which could affect investor confidence and stock performance.

Olympia Financial Business Overview & Revenue Model

Company Description

Olympia 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 Money

Olympia Financial generates revenue through multiple streams, including fees for asset management and investment advisory services, which constitute a significant portion of its income. The company charges management fees based on the assets under management (AUM) for its investment funds and advisory services. Additionally, it earns revenue from trust services, including estate and trust administration, where it charges fees for managing client assets and providing fiduciary services. Brokerage commissions from trading activities also contribute to its revenue. Strategic partnerships with financial institutions and other service providers enhance its service offerings and client base, further supporting its earnings. Overall, Olympia Financial's revenue model is built on providing value-added financial services while maintaining a focus on client satisfaction and long-term relationships.

Olympia Financial Financial Statement Overview

Summary

Olympia Financial demonstrates strong profitability with high profit margins and a solid return on equity. The balance sheet is conservatively leveraged, enhancing financial stability. However, the decline in revenue and free cash flow growth rates suggests potential challenges in sustaining growth momentum.

Income Statement

Olympia Financial demonstrates strong profitability with a high gross profit margin of 72.08% and a solid net profit margin of 22.76% in the TTM period. However, the revenue growth rate has declined by 0.91%, indicating a potential slowdown in revenue generation. Despite this, the company maintains robust EBIT and EBITDA margins, reflecting efficient operational management.

Balance Sheet

The company's balance sheet is stable with a low debt-to-equity ratio of 0.072, indicating conservative leverage. The return on equity is impressive at 54.63%, showcasing strong profitability relative to shareholder equity. However, the equity ratio is not explicitly provided, which limits a complete assessment of asset financing.

Cash Flow

Olympia Financial's cash flow statement shows a decline in free cash flow growth by 7.92% in the TTM period, which could be a concern. Nevertheless, the operating cash flow to net income ratio of 1.58 and a free cash flow to net income ratio of 0.90 indicate healthy cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	101.55M	102.31M	99.82M	71.38M	48.35M	48.04M
Gross Profit	73.20M	50.78M	96.15M	34.83M	23.03M	23.85M
EBITDA	32.59M	33.56M	32.91M	21.13M	11.51M	13.23M
Net Income	23.11M	23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet
Total Assets	62.84M	49.39M	47.27M	37.50M	36.56M	30.65M
Cash, Cash Equivalents and Short-Term Investments	26.61M	12.86M	10.92M	8.37M	15.34M	10.40M
Total Debt	3.19M	2.29M	3.57M	6.34M	13.79M	5.99M
Total Liabilities	18.76M	7.47M	11.95M	12.17M	17.78M	11.75M
Stockholders Equity	44.08M	41.92M	35.32M	25.32M	18.77M	18.90M
Cash Flow
Free Cash Flow	22.65M	20.57M	18.34M	7.98M	11.52M	12.23M
Operating Cash Flow	25.10M	20.97M	18.95M	8.55M	11.88M	12.76M
Investing Cash Flow	-2.46M	-400.78K	376.39K	-29.84K	-7.18M	930.16K
Financing Cash Flow	-21.41M	-18.62M	-16.77M	-15.26M	12.66K	-9.41M

Olympia Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 113.40
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 113.4 is below the 20-day moving average (MA) of 113.69, below the 50-day MA of 113.47, and above the 200-day MA of 113.18, indicating a neutral trend. The MACD of -0.16 indicates Negative momentum. The RSI at 48.00 is Neutral, neither overbought nor oversold. The STOCH value of 46.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:OLY.

Olympia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
URB	71 Outperform	C$361.58M	3.88	20.24%	1.45%	-73.34%	40.59%
OLY	70 Neutral	C$272.88M	12.71	50.74%	6.35%	-2.76%	-12.20%
URB.A	69 Neutral	$361.58M	3.75	20.07%	1.50%	-73.34%	40.59%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSZ	61 Neutral	C$646.13M	20.94	11.26%	8.91%	-0.88%	-52.30%
STCK	61 Neutral	C$198.55M	4.17	26.60%	―	550.81%	―
AIM	59 Neutral	C$252.38M	-137.25	0.84%	―	8.11%	97.99%

Olympia Financial Corporate Events

Olympia Financial Group Declares December Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on December 31, 2025, to shareholders on record as of December 18, 2025. This announcement reflects Olympia’s ongoing commitment to providing shareholder value and may influence investor perceptions positively, reinforcing its stable financial position within the financial services industry.

Olympia Financial Reports Decline in Q3 2025 Earnings

Olympia Financial Group Inc. reported a 26% decrease in net earnings and comprehensive income for the third quarter of 2025, with total revenue declining by 6% compared to the same period in 2024. Despite a 5% increase in service revenue driven by account growth in its IAS division, the company faced a 15% drop in trust, interest, and other income due to lower interest rates on trust fund placements. Expenses rose slightly by 2%, primarily due to increased computer support and maintenance costs. These financial results indicate challenges in maintaining profitability amidst changing market conditions.

Olympia Financial Group Declares November Dividend

Olympia Financial Group Inc. has declared a monthly cash dividend of $0.60 per common share, payable on November 28, 2025, to shareholders of record as of November 19, 2025. This announcement underscores the company’s commitment to providing shareholder value and may enhance its attractiveness to investors seeking regular income, potentially impacting its market positioning positively.

Olympia Financial Group Inc. Declares October Dividend

Olympia Financial Group Inc. has declared a monthly cash dividend of $0.60 per common share, payable on October 31, 2025, to shareholders on record as of October 22, 2025. This announcement reflects the company’s ongoing commitment to delivering shareholder value and may positively impact investor sentiment, reinforcing its stable financial positioning in the market.