Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$244.56M
• Dividend Yield: 6.84%
• Average Volume (3M): 1.27K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.25
• Revenue Growth: 4.20%
• EPS Growth: -0.15%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 89
• Industry: Asset Management
• EPS (TTM): 2.25
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 957
• 30 Day Avg. Volume: 1,268
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• 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$143.52
• Price Target Upside: 35.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Olympia Financial's overall stock score is driven by its solid financial performance, attractive valuation, and stable technical indicators. Positive corporate events further support the company's market position, despite recent earnings challenges due to rising costs. The combination of strong profitability metrics and high dividend yield positions the stock well for potential investor interest.

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 financial health with consistent revenue growth, high profit margins, and effective equity management. The balance sheet reflects stability with low leverage. While EBIT was zero in the latest year, the company maintains profitability and strong cash flow generation, positioning it well for future growth.

Income Statement

Olympia Financial has demonstrated strong revenue growth over the years, with a notable increase of 24.32% from 2022 to 2023 and 2.46% from 2023 to 2024. The gross profit margin for 2024 is 49.64%, indicating efficient cost management. However, EBIT was zero in 2024, which is concerning despite previous strong EBIT margins. The net profit margin is healthy at 23.39% for 2024.

Balance Sheet

The company's debt-to-equity ratio has improved significantly, with total debt decreasing over the years, leading to a current ratio of 0.05. The equity ratio stands at a robust 84.89%, reflecting strong financial stability. Return on equity is strong at 57.06% for 2024, demonstrating effective use of equity to generate profits.

Cash Flow

Positive free cash flow growth is evident, with a consistent increase over the years. The operating cash flow to net income ratio is 0.88 for 2024, indicating solid cash generation. Free cash flow to net income ratio is also strong at 0.86, showcasing the company's ability to generate cash relative to its net income.

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
	EBIT
0.00	33.39M	19.35M	10.75M	13.00M
	EBITDA
33.56M	32.91M	21.90M	12.96M	14.84M
	Net Income Common Stockholders
23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
12.86M	10.92M	8.37M	15.34M	15.94M
	Total Assets
49.39M	47.27M	37.50M	36.56M	30.65M
	Total Debt
2.29M	3.57M	6.34M	13.79M	5.99M
	Net Debt
-10.57M	-7.35M	-2.02M	-1.31M	-9.95M
	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	-169.84K	-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: 105.65
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 105.65 is above the 20-day moving average (MA) of 103.69, above the 50-day MA of 104.14, and above the 200-day MA of 101.12, indicating a bullish trend. The MACD of -0.12 indicates Negative momentum. The RSI at 55.89 is Neutral, neither overbought nor oversold. The STOCH value of 64.04 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	80 Outperform	C$686.44M	6.93	8.68%	4.30%	20.65%	-2.36%
OLY	79 Outperform	C$244.56M	10.22	59.15%	6.84%	4.20%	-0.15%
CVG	77 Outperform	C$1.02B	8.07	10.69%	0.14%	120.44%	―
GCG	74 Outperform	C$1.01B	9.56	5.62%	3.52%	35.78%	-24.67%
SEC	69 Neutral	C$783.34M	3.06	14.18%	―	-8.45%	211.31%
Sector *	64 Neutral	$12.57B	9.74	7.88%	16985.68%	12.42%	-5.45%
FSZ	57 Neutral	C$701.30M	28.23	8.22%	13.16%	5.64%	-57.76%

Olympia Financial Corporate Events

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.

Spark’s Take on TSE:OLY Stock

According to Spark, TipRanks’ AI Analyst, TSE:OLY is a Outperform.

Olympia Financial shows robust financial performance with consistent revenue growth and strong profitability metrics, despite a zero EBIT in the latest year. Valuation is attractive with a low P/E and high dividend yield, signaling good investment potential. Technical analysis indicates stable price trends, while positive corporate events enhance governance and shareholder value, contributing to an overall solid stock outlook.

To see Spark’s full report on TSE:OLY stock, click here.

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.

Spark’s Take on TSE:OLY Stock

According to Spark, TipRanks’ AI Analyst, TSE:OLY is a Outperform.

Olympia Financial demonstrates robust financial performance with strong revenue growth, profit margins, and cash generation. Technical analysis indicates stable trends with a potential undervaluation, and valuation metrics further support this with a low P/E ratio and high dividend yield. Recent corporate events enhance governance and shareholder value, contributing to positive investor sentiment.

To see Spark’s full report on TSE:OLY stock, click here.

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.

Spark’s Take on TSE:OLY Stock

According to Spark, TipRanks’ AI Analyst, TSE:OLY is a Outperform.

Olympia Financial demonstrates strong financial performance with stable revenue growth and profitability, supported by a solid balance sheet and cash flow. The technical analysis suggests a stable price trend, and its valuation is attractive, bolstered by a high dividend yield. These factors collectively position the company well for continued investor interest.

To see Spark’s full report on TSE:OLY stock, click here.

Olympia Financial Group Issues Correction on Dividend Dates

Olympia Financial Group Inc. issued a correction to a previous press release regarding its April dividend, clarifying that the correct record and ex-dividend date is April 17, 2025, instead of the previously stated April 21, 2025. The distribution and payment date remain unchanged. This correction ensures accurate information for stakeholders and maintains transparency in the company’s financial communications.

Olympia Financial Group Declares April Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on April 30, 2025, to shareholders on record as of April 21, 2025. This declaration may enhance shareholder value and reflects the company’s ongoing commitment to providing returns to its investors, potentially impacting its market positioning positively.

Olympia Financial Group Declares March Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on March 31, 2025, to shareholders on record as of March 20, 2025. This declaration reflects the company’s ongoing commitment to providing shareholder value and may positively impact investor sentiment, reinforcing its position in the financial services industry.

Olympia Financial Group Reports Stable 2024 Financial Results

Olympia Financial Group Inc. reported its 2024 annual financial results, showing a slight decrease in net earnings and comprehensive income to $23.92 million, despite a 3% increase in total revenue to $102.92 million, driven by higher trust income. The company faced a decrease in service revenue and other gains, while direct and administrative expenses rose due to increased salaries and maintenance costs. The results indicate stable financial performance with minor fluctuations in revenue streams and expenses, reflecting the company’s resilience in maintaining its market position.