Olympia Financial (OLY) AI Stock Analysis

• Market Cap: C$278.82M
• Dividend Yield: 7.17%
• Average Volume (3M): 3.27K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.17
• Revenue Growth: -0.31%
• EPS Growth: -5.26%
• Country: CA
• Employees: 325
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 2.25
• Shares Outstanding: 2,406,336
• 10 Day Avg. Volume: 5,447
• 30 Day Avg. Volume: 3,275
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$177.66
• Price Target Upside: 49.03% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 76 Outperform
• Price Target: C$130.00 ▲(9.05% Upside)

Olympia Financial's strong valuation and financial performance are the primary drivers of its overall score. The attractive P/E ratio and high dividend yield enhance its investment appeal. However, technical indicators suggest weak momentum, which could pose short-term challenges.

Olympia Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Olympia Financial generates revenue through multiple streams, including fees for asset management and investment advisory services, which constitute a significant portion of its income. The company charges management fees based on the assets under management (AUM) for its investment funds and advisory services. Additionally, it earns revenue from trust services, including estate and trust administration, where it charges fees for managing client assets and providing fiduciary services. Brokerage commissions from trading activities also contribute to its revenue. Strategic partnerships with financial institutions and other service providers enhance its service offerings and client base, further supporting its earnings. Overall, Olympia Financial's revenue model is built on providing value-added financial services while maintaining a focus on client satisfaction and long-term relationships.

Olympia Financial Financial Statement Overview

Summary

Olympia Financial demonstrates strong profitability with high profit margins and return on equity. The balance sheet is conservatively leveraged, enhancing financial stability. However, the decline in revenue and free cash flow growth rates suggests potential challenges in sustaining growth momentum.

Income Statement

Olympia Financial demonstrates strong profitability with a high gross profit margin of 72.08% and a solid net profit margin of 22.76% in the TTM period. However, the revenue growth rate has declined by 0.91%, indicating a potential slowdown in revenue generation. Despite this, the company maintains robust EBIT and EBITDA margins, reflecting efficient operational management.

Balance Sheet

The company's balance sheet is stable with a low debt-to-equity ratio of 0.072, indicating conservative leverage. The return on equity is impressive at 54.63%, showcasing strong profitability relative to shareholder equity. However, the equity ratio is not explicitly provided, which limits a complete assessment of asset financing.

Cash Flow

Olympia Financial's cash flow statement shows a decline in free cash flow growth by 7.92% in the TTM period, which could be a concern. Nevertheless, the operating cash flow to net income ratio of 1.58 and a free cash flow to net income ratio of 0.90 indicate healthy cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	101.55M	102.31M	99.82M	71.38M	48.35M	48.04M
Gross Profit	73.20M	50.78M	96.15M	40.33M	25.43M	26.99M
EBITDA	32.59M	33.56M	32.91M	21.90M	12.96M	14.84M
Net Income	23.11M	23.92M	23.96M	14.15M	6.51M	7.99M
Balance Sheet
Total Assets	62.84M	49.39M	47.27M	37.50M	36.56M	30.65M
Cash, Cash Equivalents and Short-Term Investments	26.61M	12.86M	10.92M	8.37M	15.34M	15.94M
Total Debt	3.19M	2.29M	3.57M	6.34M	13.79M	5.99M
Total Liabilities	18.76M	7.47M	11.95M	12.17M	17.78M	11.75M
Stockholders Equity	44.08M	41.92M	35.32M	25.32M	18.77M	18.90M
Cash Flow
Free Cash Flow	22.65M	20.57M	18.59M	7.98M	11.52M	10.13M
Operating Cash Flow	25.10M	20.97M	18.95M	8.55M	11.88M	10.66M
Investing Cash Flow	-2.46M	-400.78K	376.39K	-29.84K	-7.18M	930.16K
Financing Cash Flow	-21.41M	-18.62M	-16.77M	-15.12M	12.66K	-9.41M

Olympia Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 119.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:OLY, the sentiment is Positive. The current price of 119.21 is above the 20-day moving average (MA) of 112.74, below the 50-day MA of 121.86, and above the 200-day MA of 112.21, indicating a neutral trend. The MACD of -2.01 indicates Negative momentum. The RSI at 50.06 is Neutral, neither overbought nor oversold. The STOCH value of 60.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:OLY.

Olympia Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AGF.B	―	C$903.64M	8.04	9.85%	3.48%	11.23%	30.44%
CVG	―	C$1.02B	8.50	9.77%	0.14%	132.11%	5511.22%
OLY	―	C$278.82M	12.06	56.12%	7.17%	-0.31%	-5.26%
SEC	―	C$899.11M	5.28	9.91%	―	14.62%	―
GCG	―	C$1.64B	10.60	11.80%	2.73%	96.56%	158.06%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSZ	―	C$645.07M	17.12	13.48%	10.22%	-1.64%	-40.68%

Olympia Financial Corporate Events

Olympia Financial Group Inc. Declares October Dividend

Olympia Financial Group Inc. has declared a monthly cash dividend of $0.60 per common share, payable on October 31, 2025, to shareholders on record as of October 22, 2025. This announcement reflects the company’s ongoing commitment to delivering shareholder value and may positively impact investor sentiment, reinforcing its stable financial positioning in the market.

The most recent analyst rating on (TSE:OLY) stock is a Hold with a C$130.00 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.

Olympia Financial Declares September Dividend

Olympia Financial Group Inc. announced a monthly cash dividend of $0.60 per common share, payable on September 29, 2025, to shareholders on record as of September 18, 2025. This declaration reflects the company’s ongoing commitment to delivering shareholder value and may positively impact investor perception and market positioning.

The most recent analyst rating on (TSE:OLY) stock is a Buy with a C$177.66 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.

Olympia Financial Reports Decline in Q2 2025 Earnings Amid Revenue Challenges

Olympia Financial Group Inc. reported a decrease in net earnings and comprehensive income by 8% to $5.42 million for the second quarter of 2025, compared to the same period in 2024. Total revenue also fell by 3% to $25.56 million, despite a 6% increase in service revenue driven by account growth in the IAS division. The decline in trust, interest, and other income by 10% was attributed to lower interest rates on trust fund placements. These financial results reflect challenges in maintaining revenue growth amidst fluctuating interest rates, impacting Olympia’s market positioning and shareholder returns.

The most recent analyst rating on (TSE:OLY) stock is a Buy with a C$135.19 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.

Olympia Financial Group Declares August Dividend

Olympia Financial Group Inc. has announced a monthly cash dividend of $0.60 per common share, payable on August 29, 2025, to shareholders on record as of August 20, 2025. This announcement reflects Olympia’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness in the financial services market, potentially impacting its stock performance positively.

The most recent analyst rating on (TSE:OLY) stock is a Buy with a C$135.19 price target. To see the full list of analyst forecasts on Olympia Financial stock, see the TSE:OLY Stock Forecast page.