| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| KLARKlarna Group plc | 10.82B | 28.69 | 4282.09 | 21.17% | -9.4% | -10.65% | 5.01% | 0.35 |
| AFRMAffirm Holdings, Inc. | 20.78B | 71.81 | 478.73 | 38.8% | 6.74% | 7.07% | 2.9% | 2.56 |
| GCTGigaCloud Technology Inc. | 1.2B | 41.58 | 13.63 | 64.96% | 10.62% | 28.39% | 11.83% | 1.20 |
| KSPIJoint Stock Company Kaspi.kz | 15.06B | 78.95 | 0.01 | 33.36% | 30.32% | 46.92% | 100% | 0.14 |
| KPLTKatapult Holdings, Inc. | 32.67M | 6.92 | -1.16 | 11.56% | -9.98% | |||
| MOGOMogo Inc. | 29.01M | 1.22 | -2.18 | 9.18% | 10.86% | 9.71% | 1.05 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 43.53M | 49.87M | 48.68M | 61.28M | 59.8M | 44.24M | 57.52M | 68.95M | 65.22M | 71.21M |
| Revenue Growth % | 0.86% | 0.15% | -0.02% | 0.26% | -0.02% | -0.26% | 0.3% | 0.2% | -0.05% | 0.09% |
| Cost of Goods Sold | 16.41M | 19.16M | 15.87M | 22.43M | 18.79M | 8.75M | 11.48M | 22.71M | 18.56M | 24.53M |
| COGS % of Revenue | 0.38% | 0.38% | 0.33% | 0.37% | 0.31% | 0.2% | 0.2% | 0.33% | 0.28% | 0.34% |
| Gross Profit | 27.13M | 30.71M | 32.81M | 38.85M | 41.02M | 35.5M | 46.04M | 46.24M | 46.66M | 46.68M |
| Gross Margin % | 0.62% | 0.62% | 0.67% | 0.63% | 0.69% | 0.8% | 0.8% | 0.67% | 0.72% | 0.66% |
| Gross Profit Growth % | 0.83% | 0.13% | 0.07% | 0.18% | 0.06% | -0.13% | 0.3% | 0% | 0.01% | 0% |
| Operating Expenses | 37.7M | 34.4M | 35.78M | 43.08M | 44.67M | 34.36M | 81.57M | 79.81M | 50.53M | 50.39M |
| OpEx % of Revenue | 0.87% | 0.69% | 0.74% | 0.7% | 0.75% | 0.78% | 1.42% | 1.16% | 0.77% | 0.71% |
| Selling, General & Admin | 21.32M | 17.06M | 17.14M | 19.95M | 20.9M | 14.63M | 44.95M | 40.12M | 20.27M | 20.46M |
| SG&A % of Revenue | 0.49% | 0.34% | 0.35% | 0.33% | 0.35% | 0.33% | 0.78% | 0.58% | 0.31% | 0.29% |
| Research & Development | 7.6M | 10.11M | 11.37M | 14.75M | 14.99M | 5.13M | 10.67M | 12.97M | 10.59M | 10.63M |
| R&D % of Revenue | 0.17% | 0.2% | 0.23% | 0.24% | 0.25% | 0.12% | 0.19% | 0.19% | 0.16% | 0.15% |
| Other Operating Expenses | -10.77M | -13.4M | -16.76M | -37.84M | 8.79M | 14.59M | 25.95M | 26.73M | 19.67M | 19.3M |
| Operating Income | -10.57M | -3.69M | -2.97M | -4.23M | -3.65M | 1.14M | -35.53M | -33.58M | -3.88M | -3.71M |
| Operating Margin % | -0.24% | -0.07% | -0.06% | -0.07% | -0.06% | 0.03% | -0.62% | -0.49% | -0.06% | -0.05% |
| Operating Income Growth % | -1.36% | 0.65% | 0.2% | -0.42% | 0.14% | 1.31% | -32.2% | 0.06% | 0.88% | 0.04% |
| EBITDA | -8.88M | 49.78M | 65.5M | 72.21M | 4.39M | 9.55M | -22.8M | -20.94M | 5.19M | 4.71M |
| EBITDA Margin % | -0.2% | 1% | 1.35% | 1.18% | 0.07% | 0.22% | -0.4% | -0.3% | 0.08% | 0.07% |
| EBITDA Growth % | -1.89% | 6.61% | 0.32% | 0.1% | -0.94% | 1.17% | -3.39% | 0.08% | 1.25% | -0.09% |
| D&A (Non-Cash Add-back) | 1.69M | 53.47M | 68.48M | 76.43M | 8.05M | 8.41M | 12.74M | 12.64M | 9.07M | 8.42M |
| EBIT | -10.47M | -4.71M | -5.05M | -4.63M | 8.96M | -6.29M | -28.08M | -160.13M | -11.27M | -6.63M |
| Net Interest Income | -9.74M | -12.38M | -14.68M | -17.39M | -19.79M | 0 | -9.2M | -5.89M | -10.54M | -7.39M |
| Interest Income | 8.06M | 15.59M | 0 | 0 | 0 | 0 | 0 | 0 | -3.52M | 0 |
| Interest Expense | 9.73M | 12.38M | 14.68M | 17.39M | 19.79M | 0 | 9.2M | 5.89M | 7.02M | 7.39M |
| Other Income/Expense | -10.77M | -13.4M | -16.82M | -17.79M | -7.17M | -14.58M | 2.09M | -132.44M | -14.41M | -10.31M |
| Pretax Income | -21.35M | -17.09M | -19.73M | -22.02M | -10.82M | -13.45M | -33.44M | -166.01M | -18.29M | -14.02M |
| Pretax Margin % | -0.49% | -0.34% | -0.41% | -0.36% | -0.18% | -0.3% | -0.58% | -2.41% | -0.28% | -0.2% |
| Income Tax | 3.35K | 515 | -1K | 0 | 0 | 0 | -232K | -336K | -400K | -341K |
| Effective Tax Rate % | 1% | 1% | 1% | 1% | 1% | 1% | 0.99% | 1% | 0.98% | 0.98% |
| Net Income | -21.35M | -17.09M | -19.73M | -22.02M | -10.82M | -13.45M | -33.21M | -165.68M | -17.89M | -13.68M |
| Net Margin % | -0.49% | -0.34% | -0.41% | -0.36% | -0.18% | -0.3% | -0.58% | -2.4% | -0.27% | -0.19% |
| Net Income Growth % | -0.63% | 0.2% | -0.15% | -0.12% | 0.51% | -0.24% | -1.47% | -3.99% | 0.89% | 0.24% |
| Net Income (Continuing) | -21.35M | -17.09M | -19.73M | -22.02M | -10.82M | -13.45M | -33.21M | -165.68M | -17.89M | -13.68M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 67.41M | 69.09M | 109.02M | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -4.88 | -2.81 | -3.22 | -2.91 | -2.57 | -2.80 | -1.58 | -6.51 | -0.72 | -0.56 |
| EPS Growth % | 0.05% | 0.42% | -0.15% | 0.1% | 0.12% | -0.09% | 0.44% | -3.12% | 0.89% | 0.22% |
| EPS (Basic) | -4.88 | -2.81 | -3.22 | -2.91 | -2.57 | -2.83 | -1.59 | -6.51 | -0.72 | -0.56 |
| Diluted Shares Outstanding | 4.38M | 6.08M | 6.13M | 7.57M | 8.52M | 9.62M | 21M | 25.44M | 24.85M | 24.4M |
| Basic Shares Outstanding | 4.38M | 6.08M | 6.13M | 7.57M | 8.52M | 9.54M | 20.89M | 25.44M | 24.84M | 24.4M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 96.25M | 82.04M | 116.19M | 110.29M | 102.32M | 62.34M | 135.34M | 100.08M | 118.99M | 106.78M |
| Cash & Short-Term Investments | 31.72M | 18.62M | 40.56M | 20.44M | 10.42M | 12.12M | 67.76M | 29.27M | 42.47M | 34.62M |
| Cash Only | 31.72M | 18.62M | 40.56M | 20.44M | 10.42M | 12.12M | 67.76M | 29.27M | 16.13M | 8.53M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26.33M | 26.09M |
| Accounts Receivable | 0 | 0 | 0 | 0 | 88.66M | 47.23M | 64.28M | 66.73M | 73.48M | 68.11M |
| Days Sales Outstanding | - | - | - | - | 541.08 | 389.6 | 407.94 | 353.27 | 411.2 | 349.14 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 1.45M | 1.58M | 1.74M | 2.51M |
| Total Non-Current Assets | 11.09M | 16.99M | 18.51M | 21.95M | 48.78M | 42.13M | 258.52M | 121.42M | 88.78M | 82.86M |
| Property, Plant & Equipment | 4.24M | 3.92M | 3.21M | 3.02M | 6.59M | 4.77M | 4.62M | 3.72M | 1.2M | 448K |
| Fixed Asset Turnover | 10.27x | 12.72x | 15.18x | 20.32x | 9.07x | 9.27x | 12.46x | 18.52x | 54.53x | 158.94x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 70.11M | 38.35M | 38.35M | 38.35M |
| Intangible Assets | 6.85M | 12.25M | 14.9M | 18.66M | 21.26M | 18.91M | 52.3M | 41.83M | 36.56M | 31.08M |
| Long-Term Investments | 1.62M | 157.5K | 343K | -132.23M | 20.79M | 18.45M | 123.63M | 37.51M | 12.66M | 12.98M |
| Other Non-Current Assets | -1.62M | -98.36M | -134.64M | 273K | 137K | 0 | 7.87M | 0 | 0 | 0 |
| Total Assets | 107.34M | 99.03M | 134.7M | 132.23M | 151.1M | 104.47M | 393.87M | 221.49M | 207.76M | 189.65M |
| Asset Turnover | 0.41x | 0.50x | 0.36x | 0.46x | 0.40x | 0.42x | 0.15x | 0.31x | 0.31x | 0.38x |
| Asset Growth % | 1.17% | -0.08% | 0.36% | -0.02% | 0.14% | -0.31% | 2.77% | -0.44% | -0.06% | -0.09% |
| Total Current Liabilities | 45.44M | 51.54M | 64.58M | 85.58M | 87.73M | 45.49M | 65.77M | 67.16M | 73.52M | 70.97M |
| Accounts Payable | 0 | 0 | 0 | 4.57M | 7.13M | 3.29M | 4.96M | 5.69M | 6.45M | 4.51M |
| Days Payables Outstanding | - | - | - | 74.33 | 138.49 | 137.31 | 157.7 | 91.39 | 126.79 | 67.19 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 76.47M | 37.64M | 44.98M | 46.18M | 49.41M | 48.79M |
| Deferred Revenue (Current) | 0 | 0 | 0 | -1000K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 76.47M | 0 | 750K | 5.71M | 7.85M | 10.46M | 8.95M |
| Current Ratio | 2.12x | 1.59x | 1.80x | 1.29x | 1.17x | 1.37x | 2.06x | 1.49x | 1.62x | 1.50x |
| Quick Ratio | 2.12x | 1.59x | 1.80x | 1.29x | 1.17x | 1.37x | 2.06x | 1.49x | 1.62x | 1.50x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 41.88M | 41.79M | 56.33M | 55.34M | 61.62M | 53.74M | 58.32M | 43.45M | 40.52M | 37.46M |
| Long-Term Debt | 80.71M | 86.04M | 109.65M | 53.41M | 56.41M | 49.41M | 39.79M | 38.27M | 36.78M | 35.29M |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 5.21M | 4.34M | 3.95M | 3.28M | 2.71M | 1.54M |
| Deferred Tax Liabilities | 0 | -93.33M | -120.91M | -140.93M | 0 | 0 | 1.89M | 1.48M | 1.03M | 630K |
| Other Non-Current Liabilities | 6.61M | 7.29M | 11.25M | 87.52M | 0 | 0 | 12.69M | 419K | 0 | 0 |
| Total Liabilities | 87.32M | 93.33M | 120.91M | 140.93M | 149.35M | 99.23M | 124.09M | 110.61M | 114.04M | 108.43M |
| Total Debt | 80.71M | 86.04M | 109.65M | 129.34M | 138.09M | 91.39M | 88.72M | 87.73M | 88.9M | 85.62M |
| Net Debt | 48.99M | 67.41M | 69.09M | 108.9M | 127.67M | 79.27M | 20.96M | 58.46M | 72.76M | 77.09M |
| Debt / Equity | 4.03x | 1.18x | 1.32x | 1.29x | 78.82x | 17.45x | 0.33x | 0.79x | 0.95x | 1.05x |
| Debt / EBITDA | - | 1.73x | 1.67x | 1.79x | 31.42x | 9.57x | - | - | 17.13x | 18.17x |
| Net Debt / EBITDA | - | 1.35x | 1.05x | 1.51x | 29.05x | 8.30x | - | - | 14.02x | 16.36x |
| Interest Coverage | -1.09x | -0.30x | -0.20x | -0.24x | -0.18x | - | -3.86x | -5.70x | -0.55x | -0.50x |
| Total Equity | 20.03M | 73.11M | 82.89M | 100.32M | 1.75M | 5.24M | 269.78M | 110.89M | 93.72M | 81.22M |
| Equity Growth % | 4.22% | 2.65% | 0.13% | 0.21% | -0.98% | 1.99% | 50.52% | -0.59% | -0.15% | -0.13% |
| Book Value per Share | 4.57 | 12.02 | 13.53 | 13.25 | 0.21 | 0.54 | 12.85 | 4.36 | 3.77 | 3.33 |
| Total Shareholders' Equity | 20.03M | 5.7M | 13.79M | -8.69M | 1.75M | 5.24M | 269.78M | 110.89M | 93.72M | 81.22M |
| Common Stock | 45.31M | 45.65M | 71.39M | 75.05M | 94.5M | 106.73M | 392.63M | 391.24M | 389.81M | 389.72M |
| Retained Earnings | -26.81M | -43.9M | -63.63M | -90.78M | -101.61M | -115.05M | -148.26M | -313.94M | -331.83M | -345.51M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -1.85M | -2.32M | -3.14M | -6.04M | 0 | 0 | 926K | 559K | 243K | -416K |
| Minority Interest | 0 | 67.41M | 69.09M | 109.02M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -56.97M | -12.72M | -21.36M | -29.2M | -15.21M | 43.8M | -31.09M | -27.01M | -9.17M | -1.27M |
| Operating CF Margin % | -1.31% | -0.26% | -0.44% | -0.48% | -0.25% | 0.99% | -0.54% | -0.39% | -0.14% | -0.02% |
| Operating CF Growth % | -1.47% | 0.78% | -0.68% | -0.37% | 0.48% | 3.88% | -1.71% | 0.13% | 0.66% | 0.86% |
| Net Income | -21.35M | -17.09M | -19.73M | -22.02M | -10.82M | -13.45M | -33.21M | -165.68M | -17.89M | -13.68M |
| Depreciation & Amortization | 1.69M | 2.04M | 3.49M | 7.06M | 8.05M | 8.41M | 12.74M | 12.64M | 9.07M | 8.42M |
| Stock-Based Compensation | 1.19M | 1.07M | 1.34M | 1.32M | 1.73M | 2.04M | 11.68M | 8.71M | 2.48M | 1.94M |
| Deferred Taxes | 15.54M | 18.11M | 15.41M | 17.34M | 0 | 0 | -285K | 0 | -400K | -341K |
| Other Non-Cash Items | 387.84K | 892.76K | 1.33M | 2.2M | 8.13M | 47.53M | -3.73M | 135.85M | 18.54M | 18.77M |
| Working Capital Changes | -54.43M | -17.75M | -23.2M | -35.11M | -22.29M | -735K | -18.28M | -18.53M | -20.97M | -16.38M |
| Change in Receivables | -57.26M | -15.64M | -24.93M | 0 | -22.21M | 2.08M | -17.08M | 0 | 0 | -15.81M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.43M | -429.7K | 2.49M | 2.92M | -323K | -3.33M | 2.78M | 0 | 1.9M | -2.2M |
| Cash from Investing | -8.73M | -7.34M | -5.42M | -11.05M | -9.09M | -4.97M | -39.59M | -9.15M | -3.09M | -2.79M |
| Capital Expenditures | -8.73M | -7.34M | -5.42M | -11.05M | -647K | -23K | -464K | -455K | -214K | -79K |
| CapEx % of Revenue | 0.2% | 0.15% | 0.11% | 0.18% | 0.01% | 0% | 0.01% | 0.01% | 0% | 0% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -4.64M | -6.4M | -5.02M | -7.64M | -8.44M | -4.8M | -8.75M | -8.69M | -3.21M | -3.17M |
| Cash from Financing | 73.82M | 6.96M | 48.72M | 20.14M | 14.27M | -37.13M | 125.86M | -3.08M | -861K | -3.52M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - | - | - | - |
| Other Financing | -647.71K | 16.13K | 148K | 311K | 13.13M | 2.57M | 7.91M | 69K | 0 | 0 |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - |
| Free Cash Flow | -65.7M | -20.06M | -26.78M | -40.26M | -24.3M | 38.99M | -39.06M | -27.46M | -12.59M | -4.53M |
| FCF Margin % | -1.51% | -0.4% | -0.55% | -0.66% | -0.41% | 0.88% | -0.68% | -0.4% | -0.19% | -0.06% |
| FCF Growth % | -1.59% | 0.69% | -0.34% | -0.5% | 0.4% | 2.6% | -2% | 0.3% | 0.54% | 0.64% |
| FCF per Share | -15.01 | -3.30 | -4.37 | -5.32 | -2.85 | 4.05 | -1.86 | -1.08 | -0.51 | -0.19 |
| FCF Conversion (FCF/Net Income) | 2.67x | 0.74x | 1.08x | 1.33x | 1.41x | -3.26x | 0.94x | 0.16x | 0.51x | 0.09x |
| Interest Paid | 0 | 0 | 0 | 0 | 17.51M | 0 | 0 | 7.91M | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -309.32% | -36.7% | -25.29% | -24.04% | -21.21% | -384.8% | -24.15% | -87.05% | -17.48% | -15.64% |
| Return on Invested Capital (ROIC) | -17.39% | -2.64% | -1.52% | -1.76% | -1.62% | 0.8% | -14.2% | -10.95% | -1.73% | -1.71% |
| Gross Margin | 62.31% | 61.58% | 67.4% | 63.4% | 68.59% | 80.23% | 80.04% | 67.06% | 71.54% | 65.56% |
| Net Margin | -49.05% | -34.27% | -40.53% | -35.94% | -18.1% | -30.39% | -57.74% | -240.29% | -27.43% | -19.21% |
| Debt / Equity | 4.03x | 1.18x | 1.32x | 1.29x | 78.82x | 17.45x | 0.33x | 0.79x | 0.95x | 1.05x |
| Interest Coverage | -1.09x | -0.30x | -0.20x | -0.24x | -0.18x | - | -3.86x | -5.70x | -0.55x | -0.50x |
| FCF Conversion | 2.67x | 0.74x | 1.08x | 1.33x | 1.41x | -3.26x | 0.94x | 0.16x | 0.51x | 0.09x |
| Revenue Growth | 86.03% | 14.56% | -2.38% | 25.87% | -2.4% | -26.02% | 30% | 19.87% | -5.41% | 9.18% |
| 2023 | |
|---|---|
| CANADA | 59.1M |
| CANADA Growth | - |
| Europe | 6.12M |
| Europe Growth | - |
| Other | - |
| Other Growth | - |
Mogo Inc. (MOGO) reported $69.3M in revenue for fiscal year 2024. This represents a 1021% increase from $6.2M in 2012.
Mogo Inc. (MOGO) grew revenue by 9.2% over the past year. This is steady growth.
Yes, Mogo Inc. (MOGO) is profitable, generating $7.5M in net income for fiscal year 2024 (-19.2% net margin).
Mogo Inc. (MOGO) has a return on equity (ROE) of -15.6%. Negative ROE indicates the company is unprofitable.
Mogo Inc. (MOGO) generated $3.2M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.