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Upturn AI SWOT - About
MOGO 
Mogo Inc (MOGO)
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Upturn Advisory Summary
06/30/2025: 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.
Number of Analysts
2 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $4.09
1 Year Target Price $4.09
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.04% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 30.25M USD | Price to earnings Ratio - | 1Y Target Price 4.09 |
Price to earnings Ratio - | 1Y Target Price 4.09 | ||
Volume (30-day avg) 2 | Beta 4.81 | 52 Weeks Range 0.74 - 1.95 | Updated Date 06/29/2025 |
52 Weeks Range 0.74 - 1.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -52.87% | Operating Margin (TTM) -38.91% |
Management Effectiveness
Return on Assets (TTM) -11.65% | Return on Equity (TTM) -27.48% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 72046376 | Price to Sales(TTM) 0.73 |
Enterprise Value 72046376 | Price to Sales(TTM) 0.73 | ||
Enterprise Value to Revenue 1.39 | Enterprise Value to EBITDA 80.45 | Shares Outstanding 24281700 | Shares Floating 20444850 |
Shares Outstanding 24281700 | Shares Floating 20444850 | ||
Percent Insiders 15.55 | Percent Institutions 16.46 |
Analyst Ratings
Rating 2 | Target Price 4.09 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Mogo Inc
Company Overview
History and Background
Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada. Initially focused on lending, it has evolved into a digital financial services platform offering various financial products and services. It went public on the TSX in 2015 and later on the Nasdaq.
Core Business Areas
- Digital Payments and Spending: Mogo offers Mogo Visa Platinum Prepaid Card and spending account, allowing users to spend and save.
- Digital Savings & Investments: MogoTrade is commission-free trading app.
- Digital Loans: Mogo offers personal loans and installment loans.
- Digital Identity Protection: Mogo offers digital identity protection services to help users monitor and protect their personal information.
Leadership and Structure
Greg Feller is the CEO. The company has a board of directors and operates with a functional organizational structure, with departments focused on technology, marketing, finance, and customer service.
Top Products and Market Share
Key Offerings
- Mogo Visa Platinum Prepaid Card: A prepaid card that helps users manage their spending and save. Market share data is not readily available, but competitors include KOHO and Stack. Revenue from this product is included in overall revenue but not broken out separately.
- MogoTrade: Commission-free stock trading app for Canadians. Competitors include Wealthsimple Trade and Questrade. Market share data is not readily available. Revenue from this product is included in overall revenue but not broken out separately.
- Personal Loans: Mogo provides personal loans to help users consolidate debt or finance larger purchases. The Canadian consumer lending market is competitive, with players like goeasy and Fairstone. Market share data is not readily available, but loan revenue is a key driver.
- Digital Identity Protection: Services to protect users from identity theft. Competitors include LifeLock and Equifax Complete. Revenue from this product is included in overall revenue but not broken out separately.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing consumer adoption of digital financial services and technological advancements. Key trends include mobile banking, digital payments, and personalized financial advice.
Positioning
Mogo Inc. positions itself as a digital financial services platform focused on serving millennials and Gen Z. Its competitive advantages include its user-friendly mobile app, diverse product offerings, and focus on financial wellness.
Total Addressable Market (TAM)
The total addressable market (TAM) for digital financial services in Canada is estimated to be in the billions of dollars. Mogo is well-positioned to capture a significant share of this market through its diverse product offerings and focus on millennial and Gen Z consumers.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among millennials and Gen Z
- User-friendly mobile app
- Diverse product offerings
- Focus on financial wellness
- Strategic partnerships
Weaknesses
- Limited profitability
- High marketing expenses
- Competition from larger, more established financial institutions
- Reliance on external funding
Opportunities
- Expanding into new product categories
- Acquiring new customers through strategic partnerships
- Capitalizing on the increasing adoption of digital financial services
- Expanding into new geographic markets
Threats
- Increased competition from existing and new players
- Changes in regulations governing the financial services industry
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- AFRM
- LC
- OUP.V
Competitive Landscape
Mogo competes with larger, more established financial institutions and fintech companies. Its advantages include its user-friendly mobile app, focus on millennials and Gen Z, and diverse product offerings. Its disadvantages include its limited profitability and high marketing expenses.
Growth Trajectory and Initiatives
Historical Growth: Mogo has experienced strong growth in user acquisition and revenue in recent years, driven by the increasing adoption of its digital financial services platform.
Future Projections: Analyst estimates suggest that Mogo will continue to grow its user base and revenue in the coming years, driven by its expansion into new product categories and geographic markets.
Recent Initiatives: Recent initiatives include launching new financial products and services, expanding its partnerships, and investing in technology infrastructure.
Summary
Mogo Inc. is a fintech company focused on providing digital financial solutions. While the company shows promise with its platform, user-friendly interface, and focus on financial wellness, its profitability remains a key challenge. Mogo should focus on managing expenses and gaining market share against competitors, while being cautious of changes in financial regulations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-party market research reports
- Analyst estimates
- Yahoo Finance
Disclaimers:
This analysis is based on available information and estimates and is not financial advice. Market conditions and company performance can change rapidly. The market share percentages are estimates and may not be precise. Financial data placeholders are used where recent data is unavailable; consult official financial reports.
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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