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Upturn AI SWOT - About
MOGO 
Mogo Inc (MOGO)
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Upturn Advisory Summary
08/28/2025: MOGO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $4.01
1 Year Target Price $4.01
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.33% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 44.13M USD | Price to earnings Ratio 16.55 | 1Y Target Price 4.01 |
Price to earnings Ratio 16.55 | 1Y Target Price 4.01 | ||
Volume (30-day avg) 2 | Beta 4.43 | 52 Weeks Range 0.74 - 3.83 | Updated Date 08/29/2025 |
52 Weeks Range 0.74 - 3.83 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date 2025-08-07 | When - | Estimate -0.1 | Actual 0.56 |
Profitability
Profit Margin 9.49% | Operating Margin (TTM) -28.86% |
Management Effectiveness
Return on Assets (TTM) 2.09% | Return on Equity (TTM) 4.89% |
Valuation
Trailing PE 16.55 | Forward PE - | Enterprise Value 75632370 | Price to Sales(TTM) 1.07 |
Enterprise Value 75632370 | Price to Sales(TTM) 1.07 | ||
Enterprise Value to Revenue 1.49 | Enterprise Value to EBITDA 5.69 | Shares Outstanding 23758600 | Shares Floating 19921567 |
Shares Outstanding 23758600 | Shares Floating 19921567 | ||
Percent Insiders 15.55 | Percent Institutions 13.7 |
Upturn AI SWOT
Mogo Inc
Company Overview
History and Background
Mogo Inc. was founded in 2003 in Vancouver, Canada. Initially focused on providing loan solutions, it has evolved into a financial technology company offering a range of digital financial services. The company went public on the TSX in 2015 and NASDAQ in 2016.
Core Business Areas
- Digital Payments: Mogo offers digital payment solutions, including Mogo Visa Platinum Prepaid Card which allows users to earn cashback and offset their carbon footprint.
- Credit Scoring: Mogo provides free credit score monitoring and reporting to help users understand and improve their creditworthiness.
- Lending: Mogo offers personal loans and mortgages directly to consumers, streamlining access to credit with digital tools.
- Cryptocurrency: Mogo offers services related to cryptocurrency, enabling users to buy, sell, and hold Bitcoin through their platform.
Leadership and Structure
Greg Feller is the CEO. The company has a standard corporate structure with departments covering technology, marketing, finance, and operations, overseen by the executive team and a board of directors.
Top Products and Market Share
Key Offerings
- Mogo Visa Platinum Prepaid Card: This card offers cashback rewards and aims to offset carbon emissions. Specific market share data is not publicly available. Competitors include KOHO, Stack, and other prepaid card providers. This card is a core offering and a key piece of the Mogo environmental focus.
- MogoMortgage: MogoMortgage provides online mortgage solutions to consumers. Specific market share data is not publicly available. Competitors include Rocket Mortgage, Better.com, and traditional mortgage lenders. This is a key lending product of Mogo.
- Mogo Crypto: Allows users to buy and sell Bitcoin. Revenue generated by cryptocurrency trading fees. Competitors include Coinbase, Kraken, and Binance. Market share data is not readily available for Mogo Crypto specifically.
Market Dynamics
Industry Overview
The FinTech industry is experiencing rapid growth, driven by increasing digitization, regulatory changes, and consumer demand for innovative financial solutions. The market is competitive, with numerous startups and established players vying for market share.
Positioning
Mogo is positioned as a digital-first FinTech company focused on providing convenient and accessible financial products and services to consumers. It emphasizes its environmental initiatives to differentiate itself. Mogo's competitive advantages include brand recognition and a customer base built on digital financial products.
Total Addressable Market (TAM)
The TAM for Mogo's services (digital payments, lending, crypto) is estimated to be in the hundreds of billions of dollars globally. Mogo is relatively small player, so, they have a tiny fraction of this market.
Upturn SWOT Analysis
Strengths
- Strong brand identity
- Innovative digital platform
- Focus on environmental sustainability
- Partnerships with key financial institutions
Weaknesses
- Limited market share compared to larger competitors
- Reliance on strategic partnerships
- Profitability challenges
- Relatively small scale compared to major fintech competitors
Opportunities
- Expansion into new markets
- Development of new financial products
- Increased adoption of digital financial services
- Partnerships with larger financial institutions
Threats
- Intense competition from established players
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- UPST
- LC
Competitive Landscape
Mogo faces significant competition from larger, more established FinTech companies. Its strengths lie in its brand, environmental focus, and digital platform. Disadvantages include lower market share and lack of profitability.
Major Acquisitions
Carta Solutions
- Year: 2021
- Acquisition Price (USD millions): 26
- Strategic Rationale: Acquisition of Carta strengthens Mogo's digital payments business by providing an expanded portfolio of payments technology.
Growth Trajectory and Initiatives
Historical Growth: Mogo's historical growth has been driven by the expansion of its product offerings and the increasing adoption of digital financial services. However, profitability has been a challenge.
Future Projections: Analyst estimates vary depending on the overall macro economic state. Future growth is projected with revenue growth in the next few years and potential profitability improvements.
Recent Initiatives: Recent initiatives include expanding its cryptocurrency offerings, enhancing its Mogo Visa Platinum Prepaid Card program, and continuing to develop new partnerships.
Summary
Mogo Inc. is a growing fintech company that is focused on digital financial solutions. Its main strengths lie within its brand and environmentally focus. The company lacks profitability, and faces significant competition from larger, more established FinTech companies. They need to carefully manage expenses to achieve profitability and drive shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Mogo Inc. Investor Relations
- Company Financial Reports
- Third-Party Market Research Reports
- Analyst reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions are subject to change, and past performance is not indicative of future results.
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 financial technology company in Canada, Europe, and internationally. The company's digital solutions to help its members improve their path to wealth creation and financial freedom. It also provides MogoTrade, a stock trading app; Moka; and MogoMoney that provides online personal loans. In addition, the company offers digital loans and mortgages; and operates a payments platform that powers next-generation card programs for companies in Europe and Canada. Mogo Inc. is headquartered in Vancouver, Canada.
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