Mogo Inc. (MOGO)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Mogo Inc. (MOGO) trades at $0.93 with AI Score 51/100 (Grade B). Mogo Inc. is a Canadian fintech company focused on providing digital financial solutions. Market cap: $22.53M, Sector: Technology.
Last analyzed: May 10, 2026Analyst Coverage for MOGO: MOGO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MOGO against Technology peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MOGO: 5/7 perspectives are bullish. Dominant signal: Ken Griffin bullish.
Mogo Inc. (MOGO) Technology Profile & Competitive Position
Mogo Inc. is a Canadian financial technology company providing a suite of digital solutions designed to empower consumers in managing their financial well-being. Their offerings include digital spending accounts, cryptocurrency trading, identity fraud protection, mortgage solutions, personal loans, and a free stock trading platform, positioning them in the competitive fintech landscape.
What Is the Investment Thesis for MOGO?
Mogo Inc. presents a compelling investment thesis centered on its diversified fintech platform and focus on the Canadian market. The company's range of digital solutions, including MogoCrypto and Mogo Trade, positions it to capitalize on the increasing adoption of digital financial services. With a market capitalization of $0.02 billion and a P/E ratio of 4.73, Mogo's valuation reflects both its growth potential and inherent risks. Catalysts include the continued expansion of its user base and the introduction of new financial products. However, investors should be aware of potential risks, including competition from established financial institutions and regulatory changes in the fintech sector. The company's gross margin of 72.2% indicates a strong ability to generate profits from its services.
Based on FMP financials and quantitative analysis
MOGO Key Highlights
- Market capitalization of $0.02 billion, reflecting its current valuation in the market.
- P/E ratio of 4.73, suggesting potential value relative to earnings.
- Profit margin of 10.8%, indicating the company's ability to generate profit from revenue.
- Gross margin of 72.2%, demonstrating efficient cost management in service delivery.
- Beta of 3.40, indicating higher volatility compared to the market.
Who Are MOGO's Competitors?
MOGO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| SQ Block, Inc. | $83.46 | +0.57% | $51.73B | 50 |
| PYPL PayPal Holdings, Inc. | $41.21 | -0.07% | $36.35B | 48 |
| FISV Fiserv, Inc. | $52.95 | -0.22% | $28.23B | 52 |
| CFLT Confluent, Inc. | $30.99 | +0.00% | $11.08B | 71 |
| NET Cloudflare, Inc. | $226.76 | -0.30% | $80.49B | 67 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $11.92 | -4.33% | $269.87M | 67 |
| CINT CI&T Inc. | $4.07 | -0.25% | $523.63M | 66 |
| WIX Wix.com Ltd. | $46.32 | +5.11% | $2.55B | 59 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MOGO's Key Strengths?
- Diversified product portfolio of digital financial solutions.
- Established brand recognition in the Canadian market.
- Proprietary technology platform.
- Strong gross margin of 72.2%.
What Are MOGO's Weaknesses?
- Relatively small market capitalization of $0.02 billion.
- High beta of 3.40, indicating higher volatility.
- Limited geographic presence, primarily focused on Canada.
- Dependence on the Canadian market.
What Could Drive MOGO Stock Higher?
- Continued expansion of MogoCrypto and Mogo Trade user base.
- Strategic partnerships and acquisitions to expand product offerings.
- Potential geographic expansion into new markets.
- Increasing adoption of digital financial services.
What Are the Key Risks for MOGO?
- Competition from established financial institutions and other fintech companies.
- Regulatory changes in the fintech sector.
- Economic downturns affecting consumer spending.
- Cybersecurity risks and data breaches.
What Are the Growth Opportunities for MOGO?
- Expansion of MogoCrypto: The increasing adoption of cryptocurrencies presents a significant growth opportunity for MogoCrypto. By expanding its cryptocurrency offerings and enhancing its trading platform, Mogo can attract new users and increase transaction volumes. The global cryptocurrency market is projected to reach trillions of dollars in the coming years, providing a substantial market for Mogo to tap into. Timeline: Ongoing.
- Growth of Mogo Trade: The commission-free stock trading platform, Mogo Trade, can attract a new segment of customers. By offering a user-friendly platform with real-time stock quotes and funding options, Mogo can capitalize on the growing interest in stock trading among retail investors. The online brokerage market is expected to continue its growth trajectory, driven by increasing accessibility and lower costs. Timeline: Ongoing.
- Partnerships and Acquisitions: Strategic partnerships and acquisitions can accelerate Mogo's growth by expanding its product offerings and market reach. By partnering with other fintech companies or acquiring complementary businesses, Mogo can enhance its competitive position and enter new markets. The fintech industry is witnessing increasing consolidation, creating opportunities for Mogo to pursue strategic acquisitions. Timeline: Ongoing.
- Geographic Expansion: While currently focused on the Canadian market, Mogo has the potential to expand its operations internationally. By entering new markets with favorable regulatory environments and high demand for digital financial services, Mogo can diversify its revenue streams and increase its growth potential. The global fintech market offers numerous opportunities for expansion. Timeline: Upcoming.
- Enhancement of Mogo's Digital Payments Platform (Carta): Carta's digital payments platform enables financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. This segment can be further developed to increase revenue. Timeline: Ongoing.
What Opportunities Does MOGO Have?
- Expansion of MogoCrypto and Mogo Trade.
- Strategic partnerships and acquisitions.
- Geographic expansion into new markets.
- Increasing adoption of digital financial services.
What Threats Does MOGO Face?
- Competition from established financial institutions and other fintech companies.
- Regulatory changes in the fintech sector.
- Economic downturns affecting consumer spending.
- Cybersecurity risks and data breaches.
What Are MOGO's Competitive Advantages?
- Established brand recognition in the Canadian fintech market.
- Comprehensive suite of digital financial solutions.
- Proprietary technology platform.
- Partnerships with key players in the financial industry.
What Does MOGO Do?
Founded in 2003 and headquartered in Vancouver, Canada, Mogo Inc. operates as a financial technology company with a mission to help Canadians gain control of their financial health. The company provides a comprehensive suite of digital solutions accessible through the Mogo app. These solutions include a digital spending account linked to the Mogo Visa Platinum Prepaid Card, enabling users to manage their spending and track transactions. MogoCrypto allows users to buy and sell Bitcoin, catering to the growing interest in cryptocurrency investments. MogoProtect offers free ID fraud protection and monthly credit score monitoring, addressing concerns about identity theft and credit health. MogoMortgage provides a digital mortgage experience, streamlining the process of obtaining a mortgage. MogoMoney offers access to personal loans, providing consumers with borrowing options. Furthermore, Mogo offers Mogo Trade, a commission-free stock trading platform with real-time stock quotes and funding options. Mogo Ventures manages the company's investments in strategic partners and companies. The company also operates Carta, a digital payments software platform that enables financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo's diverse product portfolio and focus on digital innovation position it as a key player in the Canadian fintech market.
What Products and Services Does MOGO Offer?
- Provides a digital spending account with Mogo Visa Platinum Prepaid Card.
- Enables the buying and selling of bitcoin through MogoCrypto.
- Offers free ID fraud protection and monthly credit score monitoring with MogoProtect.
- Provides a digital mortgage experience through MogoMortgage.
- Offers access to personal loans through MogoMoney.
- Provides a free stock trading platform with real-time stock quotes and funding through Mogo Trade.
- Manages investments in strategic partners and companies through Mogo Ventures.
- Operates Carta, a digital payments software platform.
How Does MOGO Make Money?
- Subscription fees for premium services within the Mogo app.
- Transaction fees from cryptocurrency trading on MogoCrypto.
- Interest income from personal loans offered through MogoMoney.
- Revenue from payment processing services through Carta.
What Industry Does MOGO Operate In?
Mogo Inc. operates in the rapidly evolving fintech industry, which is characterized by increasing demand for digital financial solutions. The Canadian fintech market is experiencing significant growth, driven by factors such as increasing internet penetration, the rise of mobile banking, and changing consumer preferences. Mogo competes with traditional financial institutions, as well as other fintech companies offering similar services. The company's focus on providing a comprehensive suite of digital solutions positions it to capture a share of this growing market.
Who Are MOGO's Key Customers?
- Canadian consumers seeking digital financial solutions.
- Individuals interested in cryptocurrency trading.
- Homebuyers looking for a digital mortgage experience.
- Individuals seeking personal loans.
- Financial technology companies, banks, and corporations using Carta's payment platform.
MOGO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
MOGO Latest News
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Earnings Scheduled For August 7, 2025
benzinga · Aug 7, 2025
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Earnings Scheduled For November 9, 2023
benzinga · Nov 9, 2023
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Stocks That Hit 52-Week Lows On Monday
benzinga · Aug 14, 2023
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Earnings Scheduled For August 10, 2023
benzinga · Aug 10, 2023
MOGO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MOGO.
Price Targets
Wall Street price target analysis for MOGO.
MOGO MoonshotScore
What does this score mean?
The MoonshotScore rates MOGO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: David Marshall Feller
CEO
David Feller is the CEO of Mogo Inc. He has extensive experience in the financial technology industry. His background includes a strong focus on building and scaling technology-driven businesses. He has been instrumental in shaping Mogo's strategic direction and driving its growth in the Canadian fintech market. His expertise spans across various areas, including digital payments, lending, and wealth management.
Track Record: Under David Feller's leadership, Mogo Inc. has expanded its product portfolio and increased its user base. He has overseen the launch of key initiatives such as MogoCrypto and Mogo Trade. He has also focused on building strategic partnerships and driving innovation within the company. His leadership has been crucial in navigating the evolving fintech landscape and positioning Mogo for future growth.
MOGO Technology Stock FAQ
What does Mogo Inc. do?
Mogo Inc. is a Canadian financial technology company that provides a suite of digital solutions designed to help consumers manage their financial health. The company offers a range of services, including digital spending accounts, cryptocurrency trading, ID fraud protection, mortgages, personal loans, and a free stock trading platform. Mogo's mission is to empower Canadians to take control of their finances through innovative and accessible digital tools. The company operates primarily in Canada and targets consumers seeking convenient and user-friendly financial solutions.
What do analysts say about MOGO stock?
Analyst coverage of Mogo Inc. (MOGO) is limited, but generally reflects a view that the company has potential in the growing fintech market. Key valuation metrics such as the P/E ratio of 4.73 suggest that the stock may be undervalued relative to its earnings. However, the high beta of 3.40 indicates higher volatility compared to the market. Growth considerations include the company's ability to expand its user base, introduce new products, and capitalize on the increasing adoption of digital financial services. Investors should conduct their own due diligence and consider their risk tolerance before investing in MOGO.
What are the main risks for MOGO?
Mogo Inc. faces several key risks, including competition from established financial institutions and other fintech companies. The company operates in a rapidly evolving regulatory environment, which could impact its business model and profitability. Economic downturns could affect consumer spending and demand for Mogo's products and services. Cybersecurity risks and data breaches pose a threat to the company's reputation and financial performance. Additionally, Mogo's reliance on the Canadian market exposes it to geographic concentration risk. Investors should carefully consider these risks before investing in MOGO.
What are the key factors to evaluate for MOGO?
Mogo Inc. (MOGO) holds an AI score of 51/100 (moderate). P/E: 4.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MOGO data refresh on this page?
MOGO prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MOGO's recent stock price performance?
Mogo Inc. (MOGO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified product portfolio of digital financial solutions. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MOGO overvalued or undervalued right now?
Mogo Inc. (MOGO) trades at 4.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying MOGO?
Before investing in Mogo Inc. (MOGO), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Analyst opinions may vary and should not be taken as investment advice.