Olympia Financial Group Inc (OLYFF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Olympia Financial Group Inc $80.59, price $72.64, upside +11.0%, quality 70 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 $7.35 – $80.35 · fair‑value band $53.89 – $116.66 · the $72.64 price screens below the $80.59 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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Olympia Financial Group Inc., through its subsidiary, Olympia Trust Company, operates as a non-deposit taking trust company in Canada. The company operates through six segments: Investment Account Services; Corporate and Shareholder Services; Currency and Global Payments; Private Health Services Plan; and Exempt Edge divisions.
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Olympia Financial Group Inc., through its subsidiary, Olympia Trust Company, operates as a non-deposit taking trust company in Canada. The company operates through six segments: Investment Account Services; Corporate and Shareholder Services; Currency and Global Payments; Private Health Services Plan; and Exempt Edge divisions. The Investment Account Services division specializes in self-directed registered plans administration. The Corporate and Shareholder Services division provides transfer agency and corporate trust services to public and private issuers. The Currency and Global Payments division provides corporations and private clients a personalized service for buying and selling foreign currencies. The Private Health Services Plan division markets, sells, and administers health and dental benefits to business owners. The Exempt Edge division provides information technology to exempt market dealers, registrants, and issuers. Olympia Financial Group Inc. was incorporated in 1994 and is headquartered in Calgary, Canada.
Stock analysis
Olympia Financial Group Inc (OLYFF) currently trades at $72.64, while our model-based Fair Value estimate is $80.59, implying the stock looks roughly 9.9% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $79.52 per share, and 5 of the 13 models we run sit above the $72.64 price.
Bear case: the Asset-Based group reads lowest at $8.69, and 8 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: $53.89 (bear) to $116.66 (bull), the price of $72.64 sits inside 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 70/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Olympia Financial Group Inc reported revenue of C$98.1M in FY2025 versus C$48.4M in FY2021, a compound +19.3%/yr. Reported net income was C$19.9M in FY2025, compounding +32.1%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $175M · P/E ratio 13.9 · P/S ratio 2.81 · EPS (TTM) $5.23 · Dividend yield 9.9% · Net margin 20.2% · Return on equity 39.8% · Return on assets (EBIT) 50.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 11%, OLYFF screens cheaper than that median.
Fair Value models
Bear $53.89Fair Value $80.59Bull $116.66
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.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.94/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−4.1%
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.
+11.2%
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.
+15.3%
Start year 2020 (pandemic)
Revenue growth 6 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.
+12.8%
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+29.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.0%
Dividend (yield on the price)9.9%
Profit margin 2020 to 2025 ⓘ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.24% → 27%
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).
+6.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CAD, Canada: IMF forecast 2.1% a year to 2030, 2.6% from 2016 to 2025) that is about +3.8% a year for the price.
Compare Olympia Financial Group Inc with another stock
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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.Asset Management · 657 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+14.3% · Below median
Profitability
Return on equity (TTM)39.8% · Top 25%
Return on assets21.1% · Top 25%
Net margin (TTM)20.7% · Below median
Operating margin (TTM)22.1% · Below median
Growth and dividend
Revenue growth−8.0% · Below median
Dividend yield (TTM)9.9% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Olympia Financial Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/OLYFF
Frequently asked questions
Is Olympia Financial Group Inc (OLYFF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $80.59 versus the last price from Sep 25, 2026 of $72.64, about +11% upside (undervalued).
What is the fair value of OLYFF?
Our model-based fair value for Olympia Financial Group Inc is $80.59 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $72.64.
What is the quality score of OLYFF?
Olympia Financial Group Inc has a Quality Score of 70/100. 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 Olympia Financial Group Inc (OLYFF)?
Our model-based price target is the fair value of $80.59 (as of Sep 24, 2026) from 13 valuation models. Cautious scenario $53.89, optimistic scenario $116.66. It is a calculation from audited fundamentals, not an analyst target.
What is the Olympia Financial Group Inc stock forecast for 2026?
Our models put fair value at $80.59, about +11% upside versus the last price from Sep 25, 2026 of $72.64 (undervalued). Cautious scenario $53.89, optimistic scenario $116.66. The calculation is refreshed regularly with new filings.
What is the revenue of Olympia Financial Group Inc (OLYFF)?
Olympia Financial Group Inc reported trailing-twelve-month revenue of about C$96.9M (latest available figure, as of Sep 24, 2026).
Does Olympia Financial Group Inc pay a dividend?
Olympia Financial Group Inc currently shows a dividend yield of about 9.91% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Olympia Financial Group Inc (OLYFF)?
For today's price to be fair in a discounted-cash-flow model, Olympia Financial Group Inc would have to grow free cash flow by +6.0 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of OLYFF use?
Our models discount Olympia Financial Group Inc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.02, 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 Olympia Financial Group Inc that is +6.0 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Olympia Financial Group Inc (OLYFF) delivered so far?
Over the past 5 years revenue at Olympia Financial Group Inc grew +15.4 % a year. The price currently implies +6.0 % 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 Olympia Financial Group Inc (OLYFF) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Olympia Financial Group Inc (+6.0 % 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 Olympia Financial Group Inc (OLYFF)?
The free-cash-flow yield on the price is 7.04 %: that much free cash flow Olympia Financial Group Inc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Olympia Financial Group Inc (OLYFF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Olympia Financial Group Inc it is $80.59 per share (as of Sep 24, 2026), against a price of $72.64. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Olympia Financial Group Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, OLYFF trades below its calculated fair value: price $72.64, fair value $80.59, a gap of about +11% (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 OLYFF?
No. The price is what the market pays today ($72.64); the fair value is what the company's own numbers justify ($80.59). For Olympia Financial Group Inc the two are $7.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Olympia Financial Group Inc worth?
The market values Olympia Financial Group Inc at about $175M (market capitalisation, as of Sep 24, 2026). Per share that is $72.64; our models calculate a fair value of $80.59 per share.
What do the bullish and bearish scenarios say about OLYFF?
Our models span a range for Olympia Financial Group Inc: cautious scenario $53.89, base $80.59, optimistic $116.66 per share (as of Sep 24, 2026, price $72.64). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OLYFF?
Olympia Financial Group Inc trades at a price-to-earnings ratio of 13.9 (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 $80.59 is built from several models across several years. Other multiples: P/B 5.6, P/S 2.6, EV/EBITDA 9.2.
How solid is the balance sheet of Olympia Financial Group Inc (OLYFF)?
Balance-sheet figures for Olympia Financial Group Inc (as of Sep 24, 2026): return on equity 39.8%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is OLYFF from its 52-week high?
Olympia Financial Group Inc trades at $72.64, about 7% below its 52-week high of $78.00 and 2% above the low of $71.29 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $80.59 is for.
Which stocks are comparable to Olympia Financial Group Inc?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, 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 Olympia Financial Group Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $72.64, calculated fair value $80.59 (+11%), Quality Score 70/100, from 13 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 OLYFF calculated?
We run Olympia Financial Group Inc through 13 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 $80.59, 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 14.5 % above its aggregate fair value. Olympia Financial Group Inc currently trades 10 % 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 Olympia Financial Group Inc (OLYFF)?
The latest price we hold is from Sep 25, 2026 and stands at $72.64. Our model-based fair value is $80.59, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Olympia Financial Group Inc right now?
A fairly wide model range ($53.89 to $116.66) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Olympia Financial Group Inc
How large is the market capitalisation of Olympia Financial Group Inc (OLYFF)?
The market capitalisation of Olympia Financial Group Inc is $175M. 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 is the P/S ratio of Olympia Financial Group Inc (OLYFF)?
The price-to-sales ratio of Olympia Financial Group Inc is 2.81 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Olympia Financial Group Inc (OLYFF)?
Earnings per share at Olympia Financial Group Inc are $5.23 (price ÷ EPS = P/E 13.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Olympia Financial Group Inc (OLYFF)?
The dividend yield of Olympia Financial Group Inc is 9.9% (payout 138%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Olympia Financial Group Inc (OLYFF)?
The net margin of Olympia Financial Group Inc is 20.2% (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 return on equity of Olympia Financial Group Inc (OLYFF)?
The return on equity (ROE) of Olympia Financial Group Inc is 39.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Olympia Financial Group Inc (OLYFF)?
On an EBIT basis the return on assets of Olympia Financial Group Inc is 50.5% (avg 5y). 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.
What is the operating margin of Olympia Financial Group Inc (OLYFF)?
The operating margin of Olympia Financial Group Inc is 22.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Olympia Financial Group Inc (OLYFF)?
Revenue at Olympia Financial Group Inc is growing −8.0% versus a year earlier (3y avg +11.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Olympia Financial Group Inc (OLYFF)?
Earnings per share at Olympia Financial Group Inc are growing +3.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Sep 24, 2026