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Upturn AI SWOT - About
MOGO 
Mogo Inc (MOGO)
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Upturn Advisory Summary
04/01/2025: MOGO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -68.09% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 21.85M USD | Price to earnings Ratio - | 1Y Target Price 4.01 |
Price to earnings Ratio - | 1Y Target Price 4.01 | ||
Volume (30-day avg) 61387 | Beta 3.53 | 52 Weeks Range 0.84 - 2.07 | Updated Date 04/1/2025 |
52 Weeks Range 0.84 - 2.07 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date 2025-03-18 | When Before Market | Estimate -0.12 | Actual -0.0186 |
Profitability
Profit Margin -32.51% | Operating Margin (TTM) -25.2% |
Management Effectiveness
Return on Assets (TTM) -6.89% | Return on Equity (TTM) -15.64% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 97972240 | Price to Sales(TTM) 0.52 |
Enterprise Value 97972240 | Price to Sales(TTM) 0.52 | ||
Enterprise Value to Revenue 1.16 | Enterprise Value to EBITDA 46.07 | Shares Outstanding 24281700 | Shares Floating 22494783 |
Shares Outstanding 24281700 | Shares Floating 22494783 | ||
Percent Insiders 15.02 | Percent Institutions 15.31 |
Analyst Ratings
Rating 4.33 | Target Price 5.79 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mogo Inc
Company Overview
History and Background
Mogo Inc. was founded in 2003 with the mission to empower consumers with simple solutions to help them manage their financial health. Initially focused on lending, Mogo has evolved into a digital payment and financial technology company.
Core Business Areas
- Digital Payments: Mogo offers MogoTrade, a commission-free stock trading app, and Mogo Crypto, a platform for buying and selling cryptocurrencies. In addition, they have MogoMoney for rewards and digital transactions
- Credit Solutions: Mogo offers personal loans and credit cards, providing alternative financing options for consumers.
- Identity Fraud Protection: MogoProtect provides identity fraud protection services to help consumers safeguard their personal information.
Leadership and Structure
David Feller is the Founder and CEO. The company has a traditional corporate structure with various departments including Technology, Marketing, Finance, and Operations.
Top Products and Market Share
Key Offerings
- MogoTrade: Commission-free stock trading app that offers users the ability to invest in stocks. Difficult to get market share data. Competitors include: Robinhood (HOOD), Wealthsimple Trade, Questrade, Interactive Brokers (IBKR)
- Mogo Crypto: Platform for buying and selling cryptocurrencies. Difficult to get market share data. Competitors include: Coinbase (COIN), Binance, Kraken, Gemini.
- MogoProtect: Identity fraud protection service that monitors credit information and alerts users to potential fraud. Difficult to get market share data. Competitors include: LifeLock (NLOK), IdentityForce, Aura.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing demand for digital financial services and technological advancements. There is strong competition, with traditional financial institutions and new entrants vying for market share.
Positioning
Mogo aims to differentiate itself by offering a range of integrated financial products and services on a single platform. Its competitive advantage lies in its focus on user experience and financial wellness.
Total Addressable Market (TAM)
The total addressable market for fintech services is estimated to be in the trillions of dollars globally. Mogo is positioned to capture a portion of this market through its diverse product offerings and focus on underserved customer segments.
Upturn SWOT Analysis
Strengths
- Integrated platform of financial products
- Focus on user experience and financial wellness
- Established brand recognition in Canada
- Recurring revenue streams from subscription services
Weaknesses
- Limited market share in a highly competitive industry
- Dependence on regulatory approvals for certain products
- Negative profitability and inconsistent revenues
- Smaller scale compared to competitors.
Opportunities
- Expansion into new geographic markets (US)
- Development of new financial products and services
- Partnerships with other fintech companies
- Acquisition of complementary businesses
Threats
- Increasing competition from established financial institutions and other fintech companies
- Changes in regulations affecting the fintech industry
- Cybersecurity risks and data breaches
- Economic downturns impacting consumer spending
Competitors and Market Share
Key Competitors
- HOOD
- COIN
- SQ
- PYPL
- IBKR
Competitive Landscape
Mogo faces intense competition from established financial institutions and larger fintech companies. It differentiates itself through its focus on user experience and financial wellness, but it needs to continue innovating to maintain its competitive edge.
Major Acquisitions
Carta Solutions
- Year: 2020
- Acquisition Price (USD millions): 26.4
- Strategic Rationale: The acquisition of Carta increased the potential revenue and profit per member by expanding the product offering to include a prepaid card program.
Growth Trajectory and Initiatives
Historical Growth: Mogo has experienced growth in its user base and product offerings, but revenue growth has been inconsistent. Expansion into new markets and products is needed to sustain future growth.
Future Projections: Analyst projections indicate potential for future growth driven by increased adoption of digital financial services and Mogo's expansion efforts. More detailed analyst estimates are required for specific growth forecasts.
Recent Initiatives: Recent strategic initiatives include the launch of new products, such as MogoTrade, and partnerships with other companies.
Summary
Mogo Inc. operates in the competitive fintech industry and provides an integrated platform of financial products and services with focus on digital payment. They are innovative in their development of solutions and partnerships to grow revenues. Though Mogo offers a diverse platform, they need to continue innovating and growing market share to improve its long-term financial performance and achieve sustained profitability.
Similar Companies
- SQ
- PYPL
- UPST
- LC
- OPEN
Sources and Disclaimers
Data Sources:
- Mogo Inc. Investor Relations
- Company Filings (SEDAR, EDGAR)
- Market Research Reports
- Industry News Sources
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made based on your own research and consultation with a qualified financial advisor. Market share data is approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Mogo Inc
Exchange NASDAQ | Headquaters Vancouver, BC, Canada | ||
IPO Launch date 2017-03-02 | Founder, CEO & Chairman Mr. David Marshall Feller | ||
Sector Technology | Industry Software - Infrastructure | Full time employees - | Website https://www.mogo.ca |
Full time employees - | Website https://www.mogo.ca | ||
Mogo Inc. operates as a digital finance company in Canada, Europe, and internationally. The company's digital solutions help build wealth and achieve financial freedom. It provides MogoTrade, a stock trading app; Moka; and MogoMoney that provides online personal loans. The company also offers digital loans and mortgages; and operates a digital payments platform that powers next-generation card programs for both global corporations and fintech companies in Europe and Canada. Mogo Inc. is headquartered in Vancouver, Canada.
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