Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$298.34M
• Dividend Yield: 7.4%
• Average Volume (3M): 2.73K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 0.14
• Revenue Growth: 1.49%
• EPS Growth: -3.65%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 73
• Industry: Asset Management
• EPS (TTM): 2.24
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 2,188
• 30 Day Avg. Volume: 2,735
• PEG Ratio: -8.28
• Price to Book (P/B): 6.84
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 11.96
• 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: 18.81% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 81 Outperform
• 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 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 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

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	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
EBITDA	33.56M	32.91M	21.90M	12.96M	14.84M
Net Income	23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet
Total Assets	49.39M	47.27M	37.50M	36.56M	30.65M
Cash, Cash Equivalents and Short-Term Investments	12.86M	10.92M	8.37M	15.34M	15.94M
Total Debt	2.29M	3.57M	6.34M	13.79M	5.99M
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	-29.84K	-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: 124.49
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OLY	81 Outperform	C$298.34M	12.65	59.15%	7.40%	1.49%	-3.65%
AGF.B	81 Outperform	C$819.34M	7.83	9.24%	3.80%	16.93%	17.52%
CVG	77 Outperform	C$1.07B	8.78	10.05%	0.13%	120.44%	―
GCG	71 Outperform	C$1.04B	14.70	5.62%	4.40%	35.78%	-24.67%
SEC	69 Neutral	C$856.58M	2.95	-7.43%	―	-8.45%	211.31%
FSZ	65 Neutral	C$725.47M	18.63	13.09%	11.27%	3.59%	-43.99%
Sector *	64 Neutral	$6.67B	10.26	7.22%	190.98%	24.07%	5.12%

Olympia Financial Corporate Events

Olympia Financial Group Declares July Dividend of $0.60 per Share

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.

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.