# Olympia Financial Group Inc. (OLY.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Capital Markets. Price C$91.50, market value C$220 million.

## Valuation
- **P/E (trailing): 14.1×** (5-yr avg 10.7×, 3-yr avg 10.4×). Olympia Financial Group Inc. trades at 14.1× trailing earnings, well above its own five-year average of 10.7×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.4×**. Each dollar of revenue is priced at 2.4×.
- **Price / book: 4.9×**. The shares trade at 4.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 7.8×**. Enterprise value is 7.8× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 9.5%** (5-yr avg 8.9%). Free cash flow equals 9.5% of the market value, in line with its five-year average of 8.9%. Above 5% is generally attractive.
- **Earnings yield: 7.1%**. The inverse of the P/E: 7.1% of the price is earned each year.

## Profitability
- **Gross margin: 93.6%**. Olympia Financial Group Inc. keeps 93.6% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 26.8%**. 26.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 20.1%**. 20.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 44.7%**. 44.7% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 45.6%**. Return on all capital, debt included, is 45.6%: comfortably above what that capital costs.
- **Return on assets: 30.0%**. Each dollar of assets produces 30.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -3.4%** (3-yr 11.5%/yr, 5-yr 15.5%/yr). Revenue fell 3.4% over the last year, against 15.5% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -17.0%** (3-yr 12.0%/yr, 5-yr 20.0%/yr). Earnings per share fell 17.0%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 30.0%/yr**. Free cash flow has compounded at 30.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: C$11 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 7.54%** (C$7.10 per share, trailing). Olympia Financial Group Inc. yields 7.54%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 87%** (81% of free cash flow). 87% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 21.1%/yr** (1-yr 0.0%). The dividend has compounded at 21.1% a year over five years, doubling roughly every 3 years at that pace.

## Price and momentum
- **Total return (1 yr): -25.1%** (YTD -15.7%, 3-mo -7.9%). The shares are down 25.1% over twelve months including dividends.
- **From 52-week high: -31.0%** (1.0% above the low). Trading 31% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 26**. An RSI of 26 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): -0.02** (volatility 24%). Beta of -0.02 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OLY.TO · Page: https://foliofundamentals.com/stocks/oly.to

Not investment advice.