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Olympia Financial
(TSX:OLY)
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Rating:65Neutral
Price Target:
C$110.00
▲(5.62% Upside)
Action:Downgraded
Date:08/17/26
The score is primarily supported by solid underlying profitability and cash generation, plus an attractive income/valuation profile (P/E ~14 and ~6.86% dividend yield). These positives are offset by weakening fundamentals momentum (declining TTM revenue and free cash flow) and a notably weak technical backdrop with the price below major moving averages and negative MACD.
Positive Factors
Strong and sustainable profitability
High operating and net margins indicate an efficient administration platform with meaningful earnings capacity. If account scale and service demand remain stable, the profitability profile can support resilience and ongoing internal funding.
Negative Factors
Recent revenue contraction
The recent revenue decline interrupts the stronger expansion seen during 2022–2024 and suggests weaker account activity, asset flows, or interest-sensitive income. Persistent contraction could limit operating leverage and pressure future earnings growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong and sustainable profitability
High operating and net margins indicate an efficient administration platform with meaningful earnings capacity. If account scale and service demand remain stable, the profitability profile can support resilience and ongoing internal funding.
Read all positive factors
Olympia Financial (OLY) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$245.45M
Dividend Yield6.86%
Average Volume (3M)3.27K
Price to Earnings (P/E)14.0
Beta (1Y)0.13
Revenue Growth-11.15%
EPS Growth-31.72%
CountryCA
Employees205
SectorFinancial
Sector Strength70
IndustryFinancial - Diversified
Share Statistics
EPS (TTM)6.57
Shares Outstanding2,406,336
10 Day Avg. Volume5,447
30 Day Avg. Volume3,275
Financial Highlights & Ratios
PEG Ratio-0.80
Price to Book (P/B)6.08
Price to Sales (P/S)2.73
P/FCF Ratio15.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
C$158.24Price Target Upside51.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)6.41
Revenue Forecast (FY)C$89.75M
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 six segments: Investment Account Services; Corporate and Shareholder Services; Curr...
How the Company Makes Money
Olympia Financial primarily makes money by charging fees for administering and servicing investment accounts and transactions. Key revenue streams generally include: (1) Account administration and service fees: recurring fees charged to clients (o...
Olympia Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 91.18M | 98.86M | 102.31M | 99.82M | 71.38M | 48.35M |
| Gross Profit | 83.64M | 90.08M | 50.78M | 96.15M | 34.83M | 23.03M |
| EBITDA | 27.68M | 32.00M | 33.56M | 32.91M | 21.13M | 11.51M |
| Net Income | 15.78M | 19.86M | 23.92M | 23.96M | 14.15M | 6.51M |
Balance Sheet | ||||||
| Total Assets | 71.17M | 52.62M | 49.39M | 47.27M | 37.50M | 36.56M |
| Cash, Cash Equivalents and Short-Term Investments | 29.50M | 10.75M | 12.86M | 10.92M | 8.37M | 15.34M |
| Total Debt | 10.10M | 5.86M | 2.29M | 3.57M | 6.34M | 13.79M |
| Total Liabilities | 25.89M | 8.18M | 7.47M | 11.95M | 12.17M | 17.78M |
| Stockholders Equity | 45.27M | 44.44M | 41.92M | 35.32M | 25.32M | 18.77M |
Cash Flow | ||||||
| Free Cash Flow | 21.69M | 17.53M | 20.57M | 18.34M | 7.98M | 11.52M |
| Operating Cash Flow | 23.24M | 20.85M | 20.97M | 18.95M | 8.55M | 11.88M |
| Investing Cash Flow | -2.58M | -3.36M | -400.78K | 376.39K | -29.84K | -7.18M |
| Financing Cash Flow | -17.77M | -19.60M | -18.62M | -16.77M | -15.26M | 12.66K |
Olympia Financial Technical Analysis
Negative
104.15
Price Trends
103.99
Negative
110.49
Negative
111.63
Negative
Market Momentum
-0.62
Positive
41.25
Neutral
40.78
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 104.15 is below the 20-day moving average (MA) of 104.35, above the 50-day MA of 103.99, and below the 200-day MA of 111.63, indicating a bearish trend. The MACD of -0.62 indicates Positive momentum. The RSI at 41.25 is Neutral, neither overbought nor oversold. The STOCH value of 40.78 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | C$358.50M | 3.44 | 13.92% | 1.65% | -115.29% | 38.46% | |
73 Outperform | C$358.50M | 3.44 | 13.92% | 1.57% | -115.29% | 38.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | C$245.45M | 13.99 | 39.27% | 6.72% | -11.15% | -31.72% | |
63 Neutral | C$283.68M | 2.96 | 37.95% | ― | 834.12% | 90.05% | |
57 Neutral | C$242.62M | 129.11 | -3.98% | ― | -39.01% | ― | |
56 Neutral | C$494.70M | 25.49 | 7.80% | 9.27% | -1.48% | -47.10% |
* Financial Sector Average
TSE:OLY
Olympia Financial
102.00
-22.79
-18.26%
TSE:URB.A
Urbana
8.50
1.50
21.34%
TSE:AIM
Aimia Inc.
2.75
-0.42
-13.25%
TSE:FSZ
Fiera Capital A
4.67
-1.67
-26.34%
TSE:URB
Urbana Corporation
9.18
2.22
31.90%
TSE:STCK
Stack Capital Group
18.09
5.01
38.30%
Olympia Financial Corporate Events
Dividends
Olympia Financial Group Declares August Eligible Dividend
Positive
Aug 6, 2026
Olympia Financial Group Inc. has declared a monthly cash dividend of $0.50 per common share, payable on August 31, 2026, to shareholders of record as of August 20, 2026, reinforcing its pattern of regular shareholder returns. The company has desig...
Business Operations and StrategyRegulatory Filings and Compliance
BlackRock Increases Notifiable Stake in Caledonia Mining
Positive
Jul 16, 2026
Caledonia Mining Corporation Plc disclosed that BlackRock, Inc., a major global asset manager, has crossed a regulatory threshold in its holding of Caledonia’s shares and related financial instruments. As of July 14, BlackRock holds a combin...
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.