Mortgage Oil Corp (MGAG) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Mortgage Oil Corp $484, price $280, upside +72.8%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $224.25 – $317.13 · fair‑value band $304.56 – $544.46 · the $280.00 price screens below the $483.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Mortgage Oil Corp. invests in companies owning multi-family residential apartment complexes and industrial real estate in the United States. The company is based in Los Angeles, California.
Stock analysis
Mortgage Oil Corp (MGAG) currently trades at $280.00, while our model-based Fair Value estimate is $483.80, implying the stock looks roughly 42.1% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $980.18 per share, and 4 of the 7 models we run sit above the $280.00 price.
Bear case: the Multiples group reads lowest at $74.76, and 3 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: $304.56 (bear) to $544.46 (bull), the price of $280.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Mortgage Oil Corp reported revenue of $380K in FY2025 versus $527K in FY2021, a compound −7.9%/yr. Reported net income was −$110K in FY2025.
Key figures
Market cap $11.5M · P/E ratio 48.1 · EPS (TTM) $5.82 · Net margin −28.9% · Return on assets (EBIT) 291% · Free cash flow $1.4M · Net cash $398K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −37% fair-value upside, at 73%, MGAG screens cheaper than that median.
Fair Value models
Bear $304.56Fair Value $483.80Bull $544.46
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($4.26 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−63.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−25.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.2%
Start year 2020 (pandemic). Over 10 years: −0.3% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.3%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
159.7% (2020) → −2.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−12.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −14.1% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Real Estate Services · 547 stocks
Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside+73% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets0% · Bottom 25%
Net margin (TTM)−29% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Valuation Multiplesvs Real Estate Services median · lower = cheaper
P/E (TTM)48.1× · Priciest 25%
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/FCF8.2× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 37
FUTURE (revenue growth)0· sector 12
PAST (return on equity)0· sector 16
HEALTH (low debt)0· sector 83
DIVIDEND (yield)0· sector 65
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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Is Mortgage Oil Corp (MGAG) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $483.80 versus the last price from Sep 18, 2026 of $280.00, about +73% upside (undervalued).
What is the fair value of MGAG?
Our model-based fair value for Mortgage Oil Corp is $483.80 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $280.00.
What is the quality score of MGAG?
Mortgage Oil Corp has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mortgage Oil Corp (MGAG)?
Our model-based price target is the fair value of $483.80 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario $304.56, optimistic scenario $544.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Mortgage Oil Corp stock forecast for 2026?
Our models put fair value at $483.80, about +73% upside versus the last price from Sep 18, 2026 of $280.00 (undervalued). Cautious scenario $304.56, optimistic scenario $544.46. The calculation is refreshed regularly with new filings.
What growth is priced into Mortgage Oil Corp (MGAG)?
For today's price to be fair in a discounted-cash-flow model, Mortgage Oil Corp would have to grow free cash flow by -12.0 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of MGAG use?
Our models discount Mortgage Oil Corp at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Mortgage Oil Corp that is -12.0 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Mortgage Oil Corp (MGAG) delivered so far?
Over the past 5 years revenue at Mortgage Oil Corp grew +10.2 % a year. The price currently implies -12.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Mortgage Oil Corp (MGAG) growing?
The median revenue growth in the sector is +1.8 % a year. That is the yardstick for the growth priced into Mortgage Oil Corp (-12.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Mortgage Oil Corp (MGAG)?
The free-cash-flow yield on the price is 12.19 %: that much free cash flow Mortgage Oil Corp produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Mortgage Oil Corp (MGAG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mortgage Oil Corp it is $483.80 per share (as of Sep 24, 2026), against a price of $280.00. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Mortgage Oil Corp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MGAG trades below its calculated fair value: price $280.00, fair value $483.80, a gap of about +73% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MGAG?
No. The price is what the market pays today ($280.00); the fair value is what the company's own numbers justify ($483.80). For Mortgage Oil Corp the two are $203.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mortgage Oil Corp worth?
The market values Mortgage Oil Corp at about $11.5M (market capitalisation, as of Sep 24, 2026). Per share that is $280.00; our models calculate a fair value of $483.80 per share.
What do the bullish and bearish scenarios say about MGAG?
Our models span a range for Mortgage Oil Corp: cautious scenario $304.56, base $483.80, optimistic $544.46 per share (as of Sep 24, 2026, price $280.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MGAG?
Mortgage Oil Corp trades at a price-to-earnings ratio of 48.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $483.80 is built from several models across several years.
How solid is the balance sheet of Mortgage Oil Corp (MGAG)?
Balance-sheet figures for Mortgage Oil Corp (as of Sep 24, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is MGAG from its 52-week high?
Mortgage Oil Corp trades at $280.00, about 7% below its 52-week high of $300.00 and at the low of $280.00 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $483.80 is for.
Which stocks are comparable to Mortgage Oil Corp?
From the same area (Real Estate) we also value Vingroup Joint Stock Company, CBRE Group, Vonovia SE, Cellnex Telecom, S.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mortgage Oil Corp stock attractive at the current price?
The data as of Sep 24, 2026: price $280.00, calculated fair value $483.80 (+73%), Quality Score 63/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MGAG calculated?
We run Mortgage Oil Corp through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $483.80, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Mortgage Oil Corp currently trades 73 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mortgage Oil Corp (MGAG)?
The latest price we hold is from Sep 18, 2026 and stands at $280.00. Our model-based fair value is $483.80, about +73% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mortgage Oil Corp right now?
The price is below even our cautious bear case ($304.56). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Mortgage Oil Corp (MGAG) come from?
Earnings per share at Mortgage Oil Corp grew +18.1 % a year from 2015 to 2025. Broken into its drivers: revenue per share +13.7 %, EBIT margin +5.0 %, tax rate −1.3 %, residual (interest, one-offs) +0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Mortgage Oil Corp
How large is the market capitalisation of Mortgage Oil Corp (MGAG)?
The market capitalisation of Mortgage Oil Corp is $11.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of Mortgage Oil Corp (MGAG)?
Earnings per share at Mortgage Oil Corp are $5.82 (price ÷ EPS = P/E 48.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Mortgage Oil Corp (MGAG)?
The net margin of Mortgage Oil Corp is −28.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Mortgage Oil Corp (MGAG)?
On an EBIT basis the return on assets of Mortgage Oil Corp is 291% (avg 3y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much net cash does Mortgage Oil Corp (MGAG) hold?
Mortgage Oil Corp holds more cash than debt, $398K net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026