ORIO (ORIO) Stock Analysis
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.
ORIO (ORIO) trades at $0.88 with AI Score 46/100 (Grade C). Orion Digital Corp. is a Canadian fintech company focused on providing digital solutions for wealth creation and financial freedom. Market cap: $21.0M, Sector: Technology.
Price as of Aug 21, 2026 · Last analyzed: May 4, 2026ORIO stock analysis for 2026: Analysts have set a consensus price target of $3.98 for ORIO, suggesting 352.0% upside from the current price of $0.88. The AI MoonshotScore is 46/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
ORIO: 2/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bearish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
ORIO (ORIO) Technology Profile & Competitive Position
Orion Digital Corp. (ORIO) is a Canadian fintech company providing digital solutions for wealth creation, including MogoTrade, Moka, and MogoMoney. With a focus on expanding its payments platform across Europe and Canada, Orion aims to capitalize on the growing demand for accessible financial technology solutions.
What Is the Investment Thesis for ORIO?
Orion Digital Corp. presents an investment opportunity based on its potential to capitalize on the growing demand for digital financial solutions. With a gross margin of 73.0%, the company demonstrates efficiency in its core operations. Key growth drivers include the expansion of its MogoTrade app and the broader adoption of its payments platform across Europe and Canada. The company's focus on wealth creation and financial freedom resonates with a growing segment of consumers seeking accessible and user-friendly financial tools. However, investors should be aware of the company's negative profit margin of -12.5% and a high beta of 2.81, indicating higher volatility compared to the market. The investment thesis hinges on Orion's ability to scale its digital solutions, manage its operational costs, and effectively compete in the competitive fintech landscape. Successful execution of these strategies could drive significant value creation for shareholders.
Based on FMP financials and quantitative analysis
ORIO Key Highlights
Gross Margin of 73.0% indicates strong efficiency in core operations.
- Market Cap of $21.0M reflects the company's current valuation in the market.
- Operates in Canada, Europe, and internationally, providing a diversified geographic footprint.
- Offers a suite of digital solutions including MogoTrade, Moka, and MogoMoney, catering to various financial needs.
- Beta of 2.81 suggests higher volatility compared to the overall market.
Who Are ORIO's Competitors?
ORIO 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% | $51.7B | 50 |
| PYPL PayPal Holdings, Inc. | $62.18 | +1.51% | $53.2B | 88 |
| UPST Upstart Holdings, Inc. | $28.86 | -5.69% | $2.76B | — |
| BNAIW Brand Engagement Network, Inc. | $0.11 | -14.20% | $5.40M | 62 |
| JNVR Janover Inc. | $79.31 | -3.61% | $158M | 65 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $10.11 | -2.51% | $229M | 67 |
| CINT CI&T Inc. | $3.67 | -0.27% | $472M | 66 |
| OSPN OneSpan Inc. | $15.58 | -1.23% | $577M | 83 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ORIO's Key Strengths?
Comprehensive suite of digital financial solutions.
- Strong brand recognition in the Canadian market.
- Scalable technology platform.
- Experienced management team.
What Are ORIO's Weaknesses?
Negative profit margin.
- High beta indicating higher volatility.
- Limited geographic presence compared to larger competitors.
- Reliance on partnerships for growth.
What Could Drive ORIO Stock Higher?
Expansion of MogoTrade app with new features and functionality.
- Increased adoption of the payments platform across Europe and Canada.
- Potential strategic partnerships with financial institutions and technology companies.
- Launch of new products and services to cater to a wider range of financial needs.
What Are the Key Risks for ORIO?
Financial-distress signal — its Altman Z-Score of -2.49 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-3.3%) — the business is not currently generating profit on shareholder capital.
- Intense competition from established players and emerging startups.
- Regulatory changes impacting the fintech industry.
- Economic downturn affecting consumer spending and investment.
- Cybersecurity risks and data breaches.
- Negative profit margin and high beta indicating higher volatility.
What Are the Growth Opportunities for ORIO?
- Expansion of MogoTrade App: Orion Digital Corp. has the opportunity to expand the user base and functionality of its MogoTrade app. By adding new features, such as advanced trading tools, educational resources, and personalized investment advice, Orion can attract a wider range of users, including both novice and experienced investors. The market for online trading platforms is growing rapidly, driven by increasing access to the stock market and the rise of commission-free trading. This expansion could significantly increase transaction volume and revenue for Orion.
- Adoption of Payments Platform: Orion's payments platform, which powers next-generation card programs for companies in Europe and Canada, presents a significant growth opportunity. By expanding its partnerships with businesses across various industries, Orion can increase the volume of transactions processed through its platform. The market for digital payments is growing rapidly, driven by the increasing adoption of e-commerce and mobile payments. Orion's platform offers a flexible and customizable solution for businesses looking to offer innovative payment options to their customers.
- Strategic Partnerships: Forming strategic partnerships with other companies in the financial services and technology industries can accelerate Orion's growth. By partnering with established financial institutions, Orion can gain access to a wider customer base and leverage their existing infrastructure. Collaborating with technology companies can enable Orion to integrate new technologies into its platform and enhance its product offerings. These partnerships can provide access to new markets and distribution channels, driving revenue growth and market share gains.
- Geographic Expansion: Orion Digital Corp. has the opportunity to expand its operations into new geographic markets. By targeting countries with high smartphone penetration rates and a growing demand for digital financial services, Orion can tap into new sources of revenue and customer growth. Expanding into new markets requires careful planning and execution, including adapting its products and services to local regulations and cultural preferences. However, the potential rewards are significant, as it can diversify its revenue streams and reduce its reliance on any single market.
- Product Diversification: Orion can diversify its product offerings to cater to a wider range of financial needs. By adding new products, such as insurance, retirement planning, and tax preparation services, Orion can become a one-stop shop for its customers' financial needs. This diversification can increase customer loyalty and reduce churn, as customers are more likely to stay with a company that can meet all of their financial needs. Product diversification requires careful market research and product development, but it can significantly enhance Orion's long-term growth prospects.
What Are ORIO's Competitive Advantages?
- Technology platform: Proprietary technology platform provides a scalable and efficient infrastructure for delivering digital financial solutions.
- Brand recognition: Established brand in the Canadian fintech market.
- Customer relationships: Strong customer relationships built on trust and personalized service.
- Regulatory compliance: Expertise in navigating complex regulatory environments in Canada and Europe.
What Does ORIO Do?
Orion Digital Corp., formerly known as Mogo Inc., was rebranded in December 2025 to reflect its evolving focus on digital financial solutions. Founded with the mission of empowering individuals on their path to wealth creation and financial freedom, the Vancouver-based company has developed a suite of products and services designed to simplify personal finance management. Orion operates in Canada, Europe, and internationally, offering a range of digital solutions, including MogoTrade, a stock trading app that provides users with access to the stock market. Moka, another key product, focuses on automated savings and investment. MogoMoney offers online personal loans, providing access to credit for various financial needs. In addition to these core offerings, Orion provides digital loans and mortgages, catering to larger financial commitments. The company also operates a payments platform that powers next-generation card programs for businesses in Europe and Canada, enabling innovative payment solutions. Orion's strategic focus on technology and user-centric design positions it as a key player in the rapidly evolving fintech landscape, aiming to democratize access to financial tools and services.
What Products and Services Does ORIO Offer?
- Provides digital solutions to improve wealth creation and financial freedom.
- Offers MogoTrade, a stock trading app.
- Provides Moka, focusing on automated savings and investment.
- Offers MogoMoney, providing online personal loans.
- Provides digital loans and mortgages.
- Operates a payments platform powering next-generation card programs in Europe and Canada.
How Does ORIO Make Money?
- Subscription fees from MogoTrade and Moka users.
- Interest income from online personal loans (MogoMoney) and digital loans/mortgages.
- Transaction fees from the payments platform.
- Partnerships with companies for card programs.
What Industry Does ORIO Operate In?
Orion Digital Corp. operates within the rapidly evolving fintech industry, which is characterized by increasing demand for digital financial solutions and growing competition among established players and emerging startups. The market is driven by technological advancements, changing consumer preferences, and regulatory developments. Orion's focus on wealth creation and financial freedom aligns with the broader trend of democratizing access to financial tools and services. The company competes with other fintech companies, traditional financial institutions, and technology giants offering similar products and services. The industry is expected to continue growing, driven by increasing adoption of mobile banking, online trading, and digital payments.
Who Are ORIO's Key Customers?
- Individuals seeking to improve their financial well-being.
- Businesses in Europe and Canada utilizing the payments platform.
- Users of the MogoTrade stock trading app.
- Customers seeking online personal loans and mortgages.
Key Financial Metrics
Return on equity for ORIO stands at -3.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.5%, showing how much profit it generates from its asset base. Its free cash flow yield is 40.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.36 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -8.4%, the inverse of the P/E and a quick read on earnings relative to price.
ORIO (ORIO) Valuation Context
Valued at $21.0M, ORIO is classified as a micro-cap stock. Relative to its peer group, ORIO's quantitative score of 46/100 is below the peer average of 66/100.
Company Profile
ORIO operates in the Software - Infrastructure industry within the Technology sector. It is headquartered in Vancouver, CA. The company is led by CEO David Marshall Feller. ORIO has traded publicly since 2017.
Financial Health
ORIO's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -2.49 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project ORIO revenue of about $47.8M for fiscal 2026, with EPS near $-0.06.
ORIO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that leadership believes in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting ORIO's innovative product pipeline and market positioning.
- Analysts note a favorable response to recent strategic partnerships, enhancing ORIO's competitive edge in its sector.
- Market perception is buoyed by positive news coverage and social media discussions that emphasize ORIO's commitment to sustainability.
Bear Case
- Concerns have emerged regarding ORIO's ability to scale operations effectively, with some community members questioning management's execution capabilities.
- Negative sentiment has been fueled by recent supply chain challenges, which could impact ORIO's production timelines and revenue.
- Some analysts express caution over ORIO's valuation relative to its peers, suggesting that it may be overhyped in the current market environment.
- Community discussions reflect skepticism about ORIO's long-term growth strategy, with some traders advocating for a more conservative outlook.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
ORIO Latest News
No recent news available for ORIO.
ORIO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ORIO.
Price Targets
Consensus target: $3.98
ORIO MoonshotScore
What does this score mean?
The MoonshotScore rates ORIO 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David Marshall Feller
CEO
David Marshall Feller is the Chief Executive Officer of Orion Digital Corp. He has extensive experience in the financial technology sector, with a background in building and scaling innovative financial solutions. Prior to joining Orion Digital Corp., David held leadership positions at several high-growth technology companies, where he focused on product development, marketing, and business development. He is a graduate of a top-tier business school and has a proven track record of driving growth and creating value for shareholders.
Track Record: Under David's leadership, Orion Digital Corp. has undergone a strategic transformation, rebranding from Mogo Inc. to reflect its focus on digital financial solutions. He has overseen the expansion of the company's product offerings, including the launch of new features for the MogoTrade app and the expansion of its payments platform. David has also focused on building a strong company culture and attracting top talent to Orion Digital Corp.
ORIO Technology Stock: Key Questions Answered
What does the AI Score mean for ORIO?
ORIO holds an AI Score of 46/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Orion Digital Corp. is a Canadian fintech company focused on providing digital solutions for wealth creation and financial freedom. The company operates in Canada, Europe, and internationally …
What does Orion Digital Corp. do?
Orion Digital Corp. is a financial technology company that provides digital solutions to help its members improve their path to wealth creation and financial freedom. The company offers a suite of products and services, including MogoTrade, a stock trading app; Moka, focusing on automated savings and investment; and MogoMoney, providing online personal loans.
What do analysts say about ORIO stock?
Analyst ratings for Orion Digital Corp. (ORIO) are mixed, reflecting the company's potential for growth and the risks associated with its current financial performance. While some analysts are optimistic about the company's long-term prospects, citing its innovative products and services and its focus on the growing fintech market, others are concerned about its negative profit margin and high beta.
What are the main risks for ORIO?
Orion Digital Corp. faces several risks, including intense competition from established players and emerging startups in the fintech industry. Regulatory changes impacting the financial services sector could also pose a risk to the company's operations and profitability. An economic downturn could negatively affect consumer spending and investment, reducing demand for Orion's products and services.
What are the key factors to evaluate for ORIO?
ORIO holds an AI score of 46/100 (low). Analysts target $3.98 (+352%). Orion Digital Corp. presents an investment opportunity based on its potential to capitalize on the growing demand for digital financial solutions. Not financial advice.
How frequently does ORIO data refresh on this page?
ORIO's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ORIO's recent stock price performance?
ORIO moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Comprehensive suite of digital financial solutions. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider ORIO overvalued or undervalued right now?
ORIO has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Analysts target $3.98 (+352%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research ORIO before investing?
Before investing in ORIO, 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) analyst consensus ratings and 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.
- Financial metrics are as of the latest available reporting period.