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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:75Outperform
Price Target:
C$151.00
▲(17.05% Upside)
Olympia Financial's strong financial performance and attractive valuation are the primary drivers of its stock score. The company's profitability and conservative leverage are significant strengths. However, technical indicators suggest caution due to overbought conditions, which could lead to short-term volatility.

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

Olympia Financial Business Overview & Revenue Model

Company DescriptionOlympia Financial (OLY) is a diversified financial services company that operates across multiple sectors including foreign exchange services, corporate and shareholder services, and self-directed registered account administration. The company is committed to providing innovative financial solutions that cater to the unique needs of its clients, ensuring efficiency and reliability in every transaction.
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 demonstrates strong profitability with high profit margins and 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
85
Very Positive
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
78
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue101.55M102.31M99.82M71.38M48.35M48.04M
Gross Profit73.20M50.78M96.15M40.33M25.43M26.99M
EBITDA32.59M33.56M32.91M21.90M12.96M14.84M
Net Income23.11M23.92M23.96M14.15M6.51M7.99M
Balance Sheet
Total Assets62.84M49.39M47.27M37.50M36.56M30.65M
Cash, Cash Equivalents and Short-Term Investments26.61M12.86M10.92M8.37M15.34M15.94M
Total Debt3.19M2.29M3.57M6.34M13.79M5.99M
Total Liabilities18.76M7.47M11.95M12.17M17.78M11.75M
Stockholders Equity44.08M41.92M35.32M25.32M18.77M18.90M
Cash Flow
Free Cash Flow22.65M20.57M18.59M7.98M11.52M10.13M
Operating Cash Flow25.10M20.97M18.95M8.55M11.88M10.66M
Investing Cash Flow-2.46M-400.78K376.39K-29.84K-7.18M930.16K
Financing Cash Flow-21.41M-18.62M-16.77M-15.12M12.66K-9.41M

Olympia Financial Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price129.01
Price Trends
50DMA
124.95
Positive
100DMA
116.24
Positive
200DMA
109.33
Positive
Market Momentum
MACD
1.60
Positive
RSI
52.72
Neutral
STOCH
6.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:OLY, the sentiment is Neutral. The current price of 129.01 is below the 20-day moving average (MA) of 129.73, above the 50-day MA of 124.95, and above the 200-day MA of 109.33, indicating a neutral trend. The MACD of 1.60 indicates Positive momentum. The RSI at 52.72 is Neutral, neither overbought nor oversold. The STOCH value of 6.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:OLY.

Olympia Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
C$998.67M8.449.77%0.14%132.11%5511.22%
75
Outperform
C$310.44M13.4356.12%6.97%-0.31%-5.26%
75
Outperform
C$845.03M7.839.24%3.76%16.93%17.52%
71
Outperform
C$852.94M5.119.91%14.62%
69
Neutral
C$1.64B10.5411.80%2.92%96.56%158.06%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
67
Neutral
C$726.10M19.3413.48%9.56%-1.64%-40.68%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
TSE:OLY
Olympia Financial
129.01
36.47
39.41%
TSE:AGF.B
AGF Management B NV
12.78
5.39
72.94%
TSE:CVG
Clairvest
69.81
-3.29
-4.50%
TSE:FSZ
Fiera Capital A
6.78
0.02
0.30%
TSE:GCG
Guardian Capital
66.75
27.99
72.21%
TSE:SEC
Senvest Capital
358.25
28.25
8.56%

Olympia Financial Corporate Events

Financial Disclosures
Olympia Financial Reports Decline in Q2 2025 Earnings Amid Revenue Challenges
Negative
Aug 14, 2025

Olympia Financial Group Inc. reported a decrease in net earnings and comprehensive income by 8% to $5.42 million for the second quarter of 2025, compared to the same period in 2024. Total revenue also fell by 3% to $25.56 million, despite a 6% increase in service revenue driven by account growth in the IAS division. The decline in trust, interest, and other income by 10% was attributed to lower interest rates on trust fund placements. These financial results reflect challenges in maintaining revenue growth amidst fluctuating interest rates, impacting Olympia’s market positioning and shareholder returns.

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 Group Declares August Dividend
Positive
Aug 7, 2025

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on August 29, 2025, to shareholders on record as of August 20, 2025. This announcement reflects Olympia’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness in the financial services market, potentially impacting its stock performance positively.

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 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.

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: Aug 20, 2025