Equity Research Analysis: Mogo Inc. (ORIO)
|Blank Capital Research Unit|Spot: $1.08
Price$1.08
Composite Score40.6/100
RatingREDUCE (2★)
Rank#3460 OF 7,333
Market Cap$0
ROE
IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3460
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$0
David Feller
Mogo Inc. provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card. MogoCrypto enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring.
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ORIO Mogo Inc. | 41 | 51 | 23 | 25 | - | - | -67.4% | -28.8% | 65.6% | -11.4% | -19.2% | - | - | 0.0x | $0 | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Mogo Inc. (ORIO) receives a "Reduce" rating with a composite score of 40.6/100. It ranks #3460 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
Sign in to join the discussion.
Lagging peers — losers tend to keep underperforming
Expensive relative to fundamentals — limited margin of safety
Average quality profile
High volatility — wider range of outcomes increases timing risk
Conservative, efficient capex — capital discipline signals management quality
Mid-range overall rating
Get full access to institutional-quality research tools with Blank Capital Pro.
Upgrade to ProStarting at $19.99/mo
Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for ORIO.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 51 | 79 | -28DRAG |
| MOMENTUM | 25 | 16 | +9ALPHA |
| VALUATION | 23 | 7 | +16ALPHA |
| INVESTMENT | 63 | 99 | -36DRAG |
| STABILITY | 32 | 25 | +7ALPHA |
| SHORT INT | 66 | 80 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy -67.4% (sector 9.0%)
GM 66% vs sector 78%, OM -11% vs sector 18%
Capital turnover N/A, R&D intensity 14.9%
Rev growth N/A, 7yr history
Interest coverage -1.2x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Mogo Inc. (ORIO) as a Reduce with a composite score of 40.6/100 at a current price of $1.08. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Mogo Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 40.6/100 places it at rank #3460 in our full universe.
No Moat
High
Poor
Fair Value
Gross margins of 66% signal strong pricing power.
Stable competitive position in a defensive sector.
Weak momentum suggests persistent institutional selling pressure.
Vulnerability to macroeconomic shocks and interest rate volatility.
Mogo Inc. represents a reduce based on multi-factor quantitative performance.
Mogo Inc. receives a Reduce rating from our analysis, with a composite score of 40.6/100 and 2 out of 5 stars, ranking #3460 out of 7,333 stocks. ORIO's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
With a quality score of 51/100, ORIO shows adequate but unremarkable business quality. The company reports a return on equity of -67.4% (sector avg: 9.0%), gross margins of 65.6% (sector avg: 77.7%), net margins of -19.2% (sector avg: 21.9%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
ORIO registers a value score of just 23/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/B ratio of 0.47x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
ORIO shows a solid investment score of 63/100, reflecting measured but productive capital allocation. Key growth metrics include a return on assets of -28.8% (sector: 1.3%). This suggests the company is investing at an appropriate level to sustain growth without overextending its balance sheet.
Mogo Inc. is experiencing notably weak momentum with a score of just 25/100. The stock has underperformed its peers and is trending below major moving averages. Revenue growth data is not currently available, while a beta of 2.76 reflects its sensitivity to broader market moves. While deep momentum weakness can occasionally present value opportunities, it often reflects deteriorating fundamentals or structural headwinds that may persist.
ORIO's stability score of 32/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 2.76 and a debt-to-equity ratio of 0.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
ORIO carries a short interest score of 66/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include high market sensitivity (beta: 2.76), micro-cap liquidity risk. At $0 market cap (micro-cap), Mogo Inc. offers reasonable institutional liquidity.
Mogo Inc. is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3460 of 7,333 overall (53rd percentile). Key comparisons include ROE of -67.4% trailing the 9.0% sector median and operating margins of -11.4% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ORIO currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Upgrade catalyst
Improvement in Value (23) would have the largest impact on the composite score.
ROE 849% BELOW SECTOR MEDIAN
Gross Margin 16% BELOW SECTOR MEDIAN
Op. Margin 163% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
VANCOUVER, British Columbia, January 09, 2026--Orion Digital Corp. (NASDAQ: ORIO; TSX: ORIO) ("Orion Digital" or the "Company"), a founder-led digital finance platform operating primarily across wealth, payments, and digital assets, today announced that it exited its remaining equity position in WonderFi Technologies Inc. ("WonderFi"), increasing the Company’s cash and cash equivalents by more than 50% over Q3 2025 to approximately CDN$27 million.
VANCOUVER, British Columbia, December 30, 2025--Mogo Inc. (NASDAQ: MOGO; TSX: MOGO) today announced its corporate name change to Orion Digital Corp. ("Orion Digital"), marking the company’s evolution into a founder-led, disciplined, multi-engine digital finance platform operating across wealth, payments, and digital assets. The Company’s common shares are expected to begin trading under the new ticker symbol ORIO on Nasdaq and TSX on January 2, 2026.