Olympia Financial Group Inc. Logo

Olympia Financial Group Inc.

OLY.TO

(3.5)
Stock Price

105,00 CAD

45.28% ROA

68.02% ROE

9.99x PER

Market Cap.

243.665.988,00 CAD

11.29% DER

6.85% Yield

23.67% NPM

Olympia Financial Group Inc. Stock Analysis

Olympia Financial Group Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Olympia Financial Group Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (77.9%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

3 DER

The stock has a minimal amount of debt (21%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

9 Buffet Intrinsic Value

The company's stock seems undervalued (520) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 PBV

The stock's high Price-to-Book Value (P/BV) ratio (7.02x) suggests it's overvalued, potentially making it an expensive investment.

11 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

Olympia Financial Group Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Olympia Financial Group Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Olympia Financial Group Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Olympia Financial Group Inc. Revenue
Year Revenue Growth
2002 2.390.541
2003 4.635.694 48.43%
2004 7.746.411 40.16%
2005 11.010.138 29.64%
2006 16.294.848 32.43%
2007 25.068.828 35%
2008 29.427.387 14.81%
2009 28.544.742 -3.09%
2010 35.788.801 20.24%
2011 34.116.354 -4.9%
2012 41.226.162 17.25%
2013 34.769.952 -18.57%
2014 36.158.108 3.84%
2015 40.230.157 10.12%
2016 40.873.261 1.57%
2017 44.435.417 8.02%
2018 48.874.197 9.08%
2019 47.744.654 -2.37%
2020 48.040.802 0.62%
2021 48.353.534 0.65%
2022 71.381.886 32.26%
2023 101.031.868 29.35%
2023 99.817.277 -1.22%
2024 104.993.588 4.93%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Olympia Financial Group Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 217.717 100%
2013 282.575 22.95%
2014 127.230 -122.1%
2015 41.549 -206.22%
2016 150.739 72.44%
2017 221.984 32.09%
2018 255.809 13.22%
2019 255.921 0.04%
2020 413.202 38.06%
2021 472.219 12.5%
2022 475.705 0.73%
2023 0 0%
2023 297.036 100%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Olympia Financial Group Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 1.389.041
2003 2.722.911 48.99%
2004 3.556.740 23.44%
2005 1.302.027 -173.17%
2006 8.265.382 84.25%
2007 2.503.540 -230.15%
2008 17.822.754 85.95%
2009 18.475.513 3.53%
2010 22.457.662 17.73%
2011 23.972.574 6.32%
2012 10.661.906 -124.84%
2013 9.699.427 -9.92%
2014 10.686.308 9.24%
2015 13.204.611 19.07%
2016 12.845.558 -2.8%
2017 13.162.945 2.41%
2018 14.667.967 10.26%
2019 16.235.838 9.66%
2020 13.757.327 -18.02%
2021 13.914.268 1.13%
2022 19.198.532 27.52%
2023 62.247.116 69.16%
2023 60.369.567 -3.11%
2024 66.528.076 9.26%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Olympia Financial Group Inc. EBITDA
Year EBITDA Growth
2002 243.967
2003 724.194 66.31%
2004 1.178.081 38.53%
2005 2.233.554 47.26%
2006 3.939.350 43.3%
2007 7.271.914 45.83%
2008 7.886.905 7.8%
2009 4.257.473 -85.25%
2010 8.916.615 52.25%
2011 5.259.081 -69.55%
2012 11.020.875 52.28%
2013 9.066.664 -21.55%
2014 9.328.843 2.81%
2015 8.123.271 -14.84%
2016 6.097.970 -33.21%
2017 10.202.324 40.23%
2018 16.530.237 38.28%
2019 8.383.430 -97.18%
2020 14.837.229 43.5%
2021 12.961.534 -14.47%
2022 21.897.754 40.81%
2023 35.863.528 38.94%
2023 32.913.635 -8.96%
2024 34.014.320 3.24%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Olympia Financial Group Inc. Gross Profit
Year Gross Profit Growth
2002 1.964.216
2003 3.768.327 47.88%
2004 5.257.558 28.33%
2005 8.196.924 35.86%
2006 13.143.666 37.64%
2007 21.513.086 38.9%
2008 25.709.659 16.32%
2009 24.532.773 -4.8%
2010 31.366.866 21.79%
2011 29.108.382 -7.76%
2012 20.174.813 -44.28%
2013 17.895.397 -12.74%
2014 18.481.614 3.17%
2015 20.498.611 9.84%
2016 19.851.813 -3.26%
2017 22.697.825 12.54%
2018 29.523.394 23.12%
2019 26.955.775 -9.53%
2020 26.985.029 0.11%
2021 25.428.826 -6.12%
2022 40.332.324 36.95%
2023 97.312.644 58.55%
2023 96.146.241 -1.21%
2024 98.520.684 2.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Olympia Financial Group Inc. Net Profit
Year Net Profit Growth
2002 80.446
2003 473.697 83.02%
2004 880.968 46.23%
2005 1.497.699 41.18%
2006 2.566.538 41.65%
2007 4.205.148 38.97%
2008 5.026.325 16.34%
2009 5.140.833 2.23%
2010 5.855.417 12.2%
2011 5.313.850 -10.19%
2012 5.811.758 8.57%
2013 36.576.816 84.11%
2014 3.987.957 -817.18%
2015 4.417.187 9.72%
2016 5.590.994 20.99%
2017 6.079.842 8.04%
2018 9.579.799 36.53%
2019 9.428.154 -1.61%
2020 7.987.916 -18.03%
2021 6.511.158 -22.68%
2022 14.153.349 54%
2023 24.875.468 43.1%
2023 23.955.807 -3.84%
2024 23.562.144 -1.67%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Olympia Financial Group Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 2 0%
2008 2 50%
2009 2 0%
2010 2 0%
2011 2 0%
2012 2 0%
2013 15 85.71%
2014 2 -1300%
2015 2 0%
2016 2 50%
2017 3 0%
2018 4 33.33%
2019 4 0%
2020 3 0%
2021 3 -50%
2022 6 60%
2023 10 50%
2023 10 -11.11%
2024 10 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Olympia Financial Group Inc. Free Cashflow
Year Free Cashflow Growth
2002 -22.231
2003 500.104 104.45%
2004 1.119.595 55.33%
2005 1.294.231 13.49%
2006 2.641.565 51.01%
2007 4.834.964 45.37%
2008 3.918.303 -23.39%
2009 4.532.471 13.55%
2010 5.508.952 17.73%
2011 4.566.895 -20.63%
2012 6.006.840 23.97%
2013 10.277.900 41.56%
2014 -2.655.704 487.01%
2015 5.295.846 150.15%
2016 2.936.101 -80.37%
2017 7.609.728 61.42%
2018 8.958.239 15.05%
2019 7.576.094 -18.24%
2020 10.126.349 25.18%
2021 11.522.958 12.12%
2022 7.984.186 -44.32%
2023 -2.713.422 394.25%
2023 18.593.847 114.59%
2024 4.707.633 -294.97%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Olympia Financial Group Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 130.652
2003 646.972 79.81%
2004 1.361.369 52.48%
2005 1.873.393 27.33%
2006 3.180.627 41.1%
2007 6.262.250 49.21%
2008 4.545.012 -37.78%
2009 4.953.622 8.25%
2010 6.482.522 23.58%
2011 5.272.293 -22.95%
2012 7.684.604 31.39%
2013 12.397.777 38.02%
2014 -1.825.858 779.01%
2015 6.448.605 128.31%
2016 4.615.055 -39.73%
2017 8.661.957 46.72%
2018 10.611.407 18.37%
2019 8.714.026 -21.77%
2020 10.661.786 18.27%
2021 11.877.256 10.23%
2022 8.553.196 -38.86%
2023 -2.549.422 435.5%
2023 18.945.062 113.46%
2024 4.803.384 -294.41%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Olympia Financial Group Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 152.883
2003 146.868 -4.1%
2004 241.774 39.25%
2005 579.162 58.25%
2006 539.062 -7.44%
2007 1.427.286 62.23%
2008 626.709 -127.74%
2009 421.151 -48.81%
2010 973.570 56.74%
2011 705.398 -38.02%
2012 1.677.764 57.96%
2013 2.119.877 20.86%
2014 829.846 -155.45%
2015 1.152.759 28.01%
2016 1.678.954 31.34%
2017 1.052.229 -59.56%
2018 1.653.168 36.35%
2019 1.137.932 -45.28%
2020 535.437 -112.52%
2021 354.298 -51.13%
2022 569.010 37.73%
2023 164.000 -246.96%
2023 351.215 53.3%
2024 95.751 -266.8%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Olympia Financial Group Inc. Equity
Year Equity Growth
2002 3.141.438
2003 3.546.895 11.43%
2004 4.244.363 16.43%
2005 5.398.198 21.37%
2006 7.250.008 25.54%
2007 9.989.254 27.42%
2008 12.351.209 19.12%
2009 13.166.773 6.19%
2010 14.124.627 6.78%
2011 13.203.724 -6.97%
2012 11.973.100 -10.28%
2013 16.940.672 29.32%
2014 14.437.594 -17.34%
2015 8.664.041 -66.64%
2016 4.110.502 -110.78%
2017 10.980.930 62.57%
2018 15.080.867 27.19%
2019 17.928.749 15.88%
2020 8.948.758 -100.35%
2021 17.223.646 48.04%
2022 23.300.625 26.08%
2023 27.971.242 16.7%
2023 33.111.470 15.52%
2024 38.292.294 13.53%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Olympia Financial Group Inc. Assets
Year Assets Growth
2002 3.380.953
2003 3.942.951 14.25%
2004 5.096.203 22.63%
2005 6.873.592 25.86%
2006 9.089.117 24.38%
2007 14.246.740 36.2%
2008 15.318.156 6.99%
2009 18.150.276 15.6%
2010 17.379.908 -4.43%
2011 17.146.713 -1.36%
2012 16.537.749 -3.68%
2013 32.192.078 48.63%
2014 19.476.865 -65.28%
2015 19.665.232 0.96%
2016 27.768.036 29.18%
2017 32.365.965 14.21%
2018 23.515.826 -37.63%
2019 31.926.229 26.34%
2020 30.653.819 -4.15%
2021 36.556.621 16.15%
2022 37.495.606 2.5%
2023 47.272.029 20.68%
2023 51.560.052 8.32%
2024 58.177.259 11.37%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Olympia Financial Group Inc. Liabilities
Year Liabilities Growth
2002 239.515
2003 396.056 39.52%
2004 851.840 53.51%
2005 1.475.394 42.26%
2006 1.839.109 19.78%
2007 4.257.486 56.8%
2008 2.966.947 -43.5%
2009 4.983.503 40.46%
2010 3.255.281 -53.09%
2011 3.942.989 17.44%
2012 4.564.649 13.62%
2013 15.251.406 70.07%
2014 5.039.271 -202.65%
2015 11.001.191 54.19%
2016 17.122.505 35.75%
2017 21.385.035 19.93%
2018 8.434.959 -153.53%
2019 13.997.480 39.74%
2020 11.750.332 -19.12%
2021 17.783.412 33.93%
2022 12.173.067 -46.09%
2023 11.950.399 -1.86%
2023 18.448.582 35.22%
2024 19.884.965 7.22%

Olympia Financial Group Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
42.83
Net Income per Share
10.14
Price to Earning Ratio
9.99x
Price To Sales Ratio
2.36x
POCF Ratio
10.04
PFCF Ratio
10.23
Price to Book Ratio
6.36
EV to Sales
2.16
EV Over EBITDA
6.36
EV to Operating CashFlow
9.17
EV to FreeCashFlow
9.34
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
0,24 Bil.
Enterprise Value
0,22 Bil.
Graham Number
60.25
Graham NetNet
9.41

Income Statement Metrics

Net Income per Share
10.14
Income Quality
0.99
ROE
0.68
Return On Assets
0.42
Return On Capital Employed
0.84
Net Income per EBT
0.76
EBT Per Ebit
0.99
Ebit per Revenue
0.32
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.5
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
0.95
Operating Profit Margin
0.32
Pretax Profit Margin
0.31
Net Profit Margin
0.24

Dividends

Dividend Yield
0.07
Dividend Yield %
6.85
Payout Ratio
0.68
Dividend Per Share
6.94

Operating Metrics

Operating Cashflow per Share
10.09
Free CashFlow per Share
9.9
Capex to Operating CashFlow
0.02
Capex to Revenue
0
Capex to Depreciation
0.18
Return on Invested Capital
0.58
Return on Tangible Assets
0.45
Days Sales Outstanding
80.93
Days Payables Outstanding
47.79
Days of Inventory on Hand
0
Receivables Turnover
4.51
Payables Turnover
7.64
Inventory Turnover
0
Capex per Share
0.18

Balance Sheet

Cash per Share
10,55
Book Value per Share
15,91
Tangible Book Value per Share
14.13
Shareholders Equity per Share
15.91
Interest Debt per Share
1.81
Debt to Equity
0.11
Debt to Assets
0.07
Net Debt to EBITDA
-0.6
Current Ratio
2.56
Tangible Asset Value
0,03 Bil.
Net Current Asset Value
0,03 Bil.
Invested Capital
35928925
Working Capital
0,03 Bil.
Intangibles to Total Assets
0.07
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.02

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Olympia Financial Group Inc. Dividends
Year Dividends Growth
2008 1
2009 2 100%
2010 2 50%
2011 3 0%
2012 3 0%
2013 13 83.33%
2014 3 -500%
2015 3 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 3 0%
2020 3 0%
2021 3 0%
2022 3 33.33%
2023 6 40%
2024 5 0%

Olympia Financial Group Inc. Profile

About Olympia Financial Group Inc.

Olympia Financial Group Inc., through its subsidiary, Olympia Trust Company, operates as a non-deposit taking trust company in Canada. The company operates through Investment Account Services, Currency and Global Payments, Private Health Services Plan, Exempt Edge, Corporate and Shareholder Services, and divisions. The Investment Account Services division acts as trustee and administrator for self-directed, non-registered, and registered investment plans, as well as tax free savings accounts. The Currency and Global Payments division offers spot trades, forward contracts, and put and call options to facilitate the exchange of currencies for sole proprietors to multi-national corporations. The Private Health Services Plan division markets, sells, and administers health and dental benefits to business owners and self-employed individuals. The Exempt Edge division engages in the development, marketing and licensing a suite of cloud-based software systems to issuers, exempt market dealers, investors, trust companies, and advisors. The Corporate and Shareholder Services division provides transfer agency and corporate trust services to public and private issuers. Olympia Financial Group Inc. was incorporated in 1994 and is headquartered in Calgary, Canada.

CEO
Mr. Richard K. Skauge
Employee
325
Address
520 – 3 Avenue SW
Calgary, T2P 0R3

Olympia Financial Group Inc. Executives & BODs

Olympia Financial Group Inc. Executives & BODs
# Name Age
1 Ms. Andrea Gillis
Executive Vice President of Securities Investment Account Services
70
2 Mr. Richard K. Skauge
Chairman, President & Chief Executive Officer
70
3 Ms. Jennifer Urscheler C.A., CPA
Chief Financial Officer & Controller
70
4 Mr. Craig Skauge
Executive Vice President & Non-Independent Director
70
5 Ms. Kelly Revol
Executive Vice President of Mortgages Investment Account Services
70
6 Mr. Ryan McKenna
Chief Information Officer
70
7 Mr. Jonathan Marvin Bahnuik LLB, MBA
General Counsel & Corporate Secretary
70
8 Ms. Chioma Ufodike CAMS, FCPA
Chief Compliance Officer
70
9 Mr. Neil Robert McCullagh
Executive Vice President of Currency & Global Payments
70
10 Mr. Stephen William Preston
Executive Vice President of Exempt Edge
70

Olympia Financial Group Inc. Competitors