Mogo Inc. (MOGO) Financial Ratios
13 years of historical data (2012–2024) · Technology · Software - Infrastructure
EV/EBITDA
↑
22.95
+4% vs avg
5yr avg: 21.98
30Y Low1.9·High44.0
P/FCF
N/A
—
5yr avg: 2.79
30Y Low2.8·High2.8
P/B Ratio
↓
0.38
↓-92% vs avg
5yr avg: 4.57
30Y Low0.4·High37.4
ROE
↑
-15.6%
↓+85% vs avg
5yr avg: -105.8%
30Y Low-385%·High-16%
Debt/EBITDA
↑
18.17
↑+22% vs avg
5yr avg: 14.96
30Y Low1.7·High31.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MOGO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Mogo Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $22M | $33M | $46M | $40M | $215M | $109M | $66M | $53M | $89M | $26M | $38M |
| Enterprise Value | $76M | $110M | $118M | $99M | $236M | $188M | $193M | $162M | $158M | $93M | $87M |
| P/E Ratio → | -2.29 | — | — | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.44 | 0.47 | 0.70 | 0.59 | 3.75 | 2.46 | 1.10 | 0.86 | 1.83 | 0.52 | 0.88 |
| P/B Ratio | 0.38 | 0.41 | 0.49 | 0.36 | 0.80 | 20.79 | 37.42 | 0.53 | 1.08 | 0.35 | 1.91 |
| P/FCF | — | — | — | — | — | 2.79 | — | — | — | — | — |
| P/OCF | — | — | — | — | — | 2.48 | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
MOGO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Mogo Inc.'s enterprise value stands at 22.9x EBITDA, roughly in line with its 5-year average of 22.0x. The Technology sector median is 16.6x, placing the stock at a 38% premium on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.55 | 1.82 | 1.43 | 4.11 | 4.25 | 3.23 | 2.64 | 3.25 | 1.87 | 2.01 |
| EV / EBITDA | 22.95 | 23.41 | 22.83 | — | — | 19.69 | 43.97 | 2.24 | 2.42 | 1.87 | — |
| EV / EBIT | — | — | — | — | — | — | 21.56 | — | — | — | — |
| EV / FCF | — | — | — | — | — | 4.83 | — | — | — | — | — |
MOGO Profitability
Margins and return-on-capital ratios measuring operating efficiency
Mogo Inc. earns an operating margin of -5.2%. Operating margins have expanded from -48.7% to -5.2% over the past 3 years, signaling improving operational efficiency. A negative ROE of -15.6% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.6% | 65.6% | 71.5% | 67.1% | 80.0% | 80.2% | 68.6% | 63.4% | 67.4% | 61.6% | 62.3% |
| Operating Margin | -5.2% | -5.2% | -5.9% | -48.7% | -61.8% | 2.6% | -6.1% | -6.9% | -6.1% | -7.4% | -24.3% |
| Net Profit Margin | -19.2% | -19.2% | -27.4% | -240.3% | -57.7% | -30.4% | -18.1% | -35.9% | -40.5% | -34.3% | -49.0% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -15.6% | -15.6% | -17.5% | -87.0% | -24.2% | -384.8% | -21.2% | -24.0% | -25.3% | -36.7% | -309.3% |
| ROA | -6.9% | -6.9% | -8.3% | -53.8% | -13.3% | -10.5% | -7.6% | -16.5% | -16.9% | -16.6% | -27.2% |
| ROIC | -1.7% | -1.7% | -1.7% | -10.9% | -14.2% | 0.8% | -1.6% | -1.8% | -1.5% | -2.6% | -17.4% |
| ROCE | -2.9% | -2.9% | -2.7% | -13.9% | -18.4% | 1.9% | -6.6% | -7.2% | -5.1% | -6.8% | -22.3% |
MOGO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Mogo Inc. carries a Debt/EBITDA ratio of 18.2x, which is highly leveraged (518% above the sector average of 2.9x). Net debt stands at $77M ($86M total debt minus $9M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.05 | 1.05 | 0.95 | 0.79 | 0.33 | 17.45 | 78.82 | 1.29 | 1.32 | 1.18 | 4.03 |
| Debt / EBITDA | 18.17 | 18.17 | 17.13 | — | — | 9.57 | 31.42 | 1.79 | 1.67 | 1.73 | — |
| Net Debt / Equity | — | 0.95 | 0.78 | 0.53 | 0.08 | 15.14 | 72.87 | 1.09 | 0.83 | 0.92 | 2.45 |
| Net Debt / EBITDA | 16.36 | 16.36 | 14.02 | — | — | 8.30 | 29.05 | 1.51 | 1.05 | 1.35 | — |
| Debt / FCF | — | — | — | — | — | 2.03 | — | — | — | — | — |
| Interest Coverage | -0.90 | -0.90 | -1.60 | -27.19 | -3.05 | — | 0.45 | -0.27 | -0.34 | -0.38 | -1.08 |
MOGO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.50x means Mogo Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.50 | 1.50 | 1.62 | 1.49 | 2.06 | 1.37 | 1.17 | 1.29 | 1.80 | 1.59 | 2.12 |
| Quick Ratio | 1.50 | 1.50 | 1.62 | 1.49 | 2.06 | 1.37 | 1.17 | 1.29 | 1.80 | 1.59 | 2.12 |
| Cash Ratio | 0.49 | 0.49 | 0.58 | 0.44 | 1.03 | 0.27 | 0.12 | 0.24 | 0.63 | 0.36 | 0.70 |
| Asset Turnover | — | 0.38 | 0.31 | 0.31 | 0.15 | 0.42 | 0.40 | 0.46 | 0.36 | 0.50 | 0.41 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 349.14 | 411.20 | 353.27 | 407.94 | 389.60 | 541.08 | — | — | — | — |
MOGO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Mogo Inc. returns 0.3% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | 35.8% | — | — | — | — | — |
| Buyback Yield | 0.3% | 0.3% | 2.5% | 4.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.3% | 0.3% | 2.5% | 4.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $24M | $25M | $25M | $21M | $10M | $9M | $8M | $6M | $6M | $4M |
Peer Comparison
Compare MOGO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MOGOYou | $22M | -2.3 | 22.9 | — | 65.6% | -5.2% | -15.6% | -1.7% | 18.2 |
 DAVE | $4B | 22.9 | 86.4 | 14.4 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 MFIN | $221M | 5.3 | 1.9 | 1.7 | 96.7% | 50.5% | 9.1% | 17.2% | 1.8 |
 ATLC | $2B | 16.7 | 43.8 | 2.4 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 SOFI | $22B | 43.8 | 24.6 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 AFRM | $24B | 481.3 | 221.7 | 40.0 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 UPST | $3B | 69.6 | 52.9 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 LC | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 OPFI | $721M | 8.4 | 5.1 | 1.9 | 95.1% | 32.4% | 9.7% | 26.4% | 1.7 |
 V | $627B | 32.0 | 25.0 | 29.0 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $429B | 29.3 | 21.3 | 25.3 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| Technology Median | — | 28.3 | 16.6 | 18.8 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 13 years · Updated daily
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MOGO — Frequently Asked Questions
Quick answers to the most common questions about buying MOGO stock.
What is Mogo Inc.'s P/E ratio?
Mogo Inc.'s current P/E ratio is -2.3x. This places it at the 50th percentile of its historical range.
What is Mogo Inc.'s EV/EBITDA?
Mogo Inc.'s current EV/EBITDA is 22.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.6x.
What is Mogo Inc.'s ROE?
Mogo Inc.'s return on equity (ROE) is -15.6%. The historical average is -94.6%.
Is MOGO stock overvalued?
Based on historical data, Mogo Inc. is trading at a P/E of -2.3x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Mogo Inc.'s profit margins?
Mogo Inc. has 65.6% gross margin and -5.2% operating margin.
How much debt does Mogo Inc. have?
Mogo Inc.'s Debt/EBITDA ratio is 18.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.