Mogo Valuation
Is MOGO undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of MOGO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate MOGO's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate MOGO's fair value for valuation analysis.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MOGO?
Key metric: As MOGO is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.
| What is MOGO's PS Ratio? | |
|---|---|
| PS Ratio | 1.2x |
| Sales | CA$41.87m |
| Market Cap | CA$50.99m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Sales Ratio vs Peers
How does MOGO's PS Ratio compare to its peers?
| Company | Forward PS | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 11.5x | ||
EPF Everyday People Financial | 0.8x | n/a | CA$46.8m |
AMT AmeriTrust Financial Technologies | 33.4x | n/a | CA$83.4m |
CXI Currency Exchange International | 1.2x | 6.3% | CA$149.1m |
INVR Inverite Insights | 10.6x | n/a | CA$9.6m |
MOGO Mogo | 1.2x | 29.6% | CA$51.0m |
Price-To-Sales vs Peers: MOGO is good value based on its Price-To-Sales Ratio (1.2x) compared to the peer average (11.5x).
Price to Sales Ratio vs Industry
How does MOGO's PS Ratio compare vs other companies in the North American Consumer Finance Industry?
| 9 Companies | Price / Sales | Estimated Growth | Market Cap |
|---|---|---|---|
| 9 Companies | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Sales vs Industry: MOGO is good value based on its Price-To-Sales Ratio (1.2x) compared to the North American Consumer Finance industry average (1.5x).
Price to Sales Ratio vs Fair Ratio
What is MOGO's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PS Ratio | 1.2x |
| Fair PS Ratio | 1.3x |
Price-To-Sales vs Fair Ratio: MOGO is good value based on its Price-To-Sales Ratio (1.2x) compared to the estimated Fair Price-To-Sales Ratio (1.3x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | CA$2.10 | CA$5.00 +138.1% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Nov ’25 | CA$1.33 | CA$5.00 +275.9% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Oct ’25 | CA$1.60 | CA$5.00 +212.5% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Sep ’25 | CA$1.66 | CA$5.00 +201.2% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Aug ’25 | CA$1.87 | CA$5.00 +167.4% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Jul ’25 | CA$2.04 | CA$5.00 +145.1% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Jun ’25 | CA$2.04 | CA$5.00 +145.1% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| May ’25 | CA$2.55 | CA$5.00 +96.1% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Apr ’25 | CA$2.62 | CA$5.00 +90.8% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Mar ’25 | CA$2.62 | CA$5.00 +90.8% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Feb ’25 | CA$2.25 | CA$5.00 +122.2% | 20.0% | CA$6.00 | CA$4.00 | n/a | 2 |
| Jan ’25 | CA$2.43 | CA$4.75 +95.5% | 15.8% | CA$5.50 | CA$4.00 | n/a | 2 |
| Dec ’24 | CA$1.87 | CA$4.75 +154.0% | 15.8% | CA$5.50 | CA$4.00 | n/a | 2 |
| Nov ’24 | CA$1.57 | CA$6.53 +315.6% | 37.9% | CA$9.00 | CA$4.05 | CA$1.33 | 2 |
| Oct ’24 | CA$2.12 | CA$6.53 +207.8% | 37.9% | CA$9.00 | CA$4.05 | CA$1.60 | 2 |
| Sep ’24 | CA$2.42 | CA$6.53 +169.6% | 37.9% | CA$9.00 | CA$4.05 | CA$1.66 | 2 |
| Aug ’24 | CA$2.88 | CA$6.38 +121.4% | 41.2% | CA$9.00 | CA$3.75 | CA$1.87 | 2 |
| Jul ’24 | CA$2.73 | CA$6.38 +133.5% | 41.2% | CA$9.00 | CA$3.75 | CA$2.04 | 2 |
| Jun ’24 | CA$2.82 | CA$6.38 +126.1% | 41.2% | CA$9.00 | CA$3.75 | CA$2.04 | 2 |
| May ’24 | CA$2.73 | CA$6.38 +133.5% | 41.2% | CA$9.00 | CA$3.75 | CA$2.55 | 2 |
| Apr ’24 | CA$2.70 | CA$6.38 +136.1% | 41.2% | CA$9.00 | CA$3.75 | CA$2.62 | 2 |
| Mar ’24 | CA$2.76 | CA$7.13 +158.2% | 5.3% | CA$7.50 | CA$6.75 | CA$2.62 | 2 |
| Feb ’24 | CA$3.54 | CA$7.13 +101.3% | 5.3% | CA$7.50 | CA$6.75 | CA$2.25 | 2 |
| Jan ’24 | CA$2.25 | CA$7.13 +216.7% | 5.3% | CA$7.50 | CA$6.75 | CA$2.43 | 2 |
| Dec ’23 | CA$2.49 | CA$7.13 +186.1% | 5.3% | CA$7.50 | CA$6.75 | CA$1.87 | 2 |
| Nov ’23 | CA$3.27 | CA$10.50 +221.1% | 7.1% | CA$11.25 | CA$9.75 | CA$1.57 | 2 |
Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.
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