NASDAQ : ORIO
Orion Digital Corp. — Financial statements
Canada
Last price 0.8614 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 20.29M
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Financial statements
Income statement
Fiscal year January - December; amounts in CAD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 25.79M | 26.29M | 28.10M | 26.44M | 27.21M | 23.11M |
| Total Interest Expense | 9.07M | 9.46M | 10.71M | 10.54M | 9.11M | 9.20M |
| Net Interest Income | 16.72M | 16.83M | 17.39M | 15.89M | 18.09M | 13.91M |
| Other Revenue | 42.27M | 42.33M | 43.11M | 38.78M | 41.74M | 34.41M |
| Revenue Before Loan Losses | 58.99M | 59.16M | 60.49M | 54.68M | 59.84M | 48.32M |
| Provision for Loan Losses | 17.72M | 18.50M | 18.41M | 13.21M | 14.73M | 7.54M |
| Revenue | 41.27M | 40.66M | 42.08M | 41.47M | 45.10M | 40.78M |
| Cost of Services Provided | 41.39M | 42.99M | 46.14M | 44.34M | 66.45M | 61.09M |
| Total Operating Expenses | 50.47M | 52.77M | 56.50M | 55.89M | 87.79M | 85.51M |
| Operating Income | -9.19M | -12.11M | -14.42M | -14.42M | -42.69M | -44.73M |
| Earnings From Equity Investments | -8.27M | -78.83M | -278.00K | |||
| Currency Exchange Gain (Loss) | 680.00K | 1.07M | 734.00K | -38.00K | 395.00K | -670.00K |
| EBT Excluding Unusual Items | -4.79M | -6.34M | -13.48M | -23.09M | -115.94M | -34.88M |
| Restructuring Charges | -122.00K | -128.00K | -4.52M | -2.78M | -421.00K | |
| Gain (Loss) on Sale of Investments | -9.22M | -2.41M | 189.00K | 9.32M | -7.95M | 3.28M |
| Impairment of Goodwill | -31.76M | |||||
| Other Unusual Items | -3.00M | 93.00K | 1.60M | |||
| Pretax Income | -17.00M | -8.87M | -14.02M | -18.29M | -166.01M | -33.44M |
| Income Tax Expense | -281.00K | -336.00K | -341.00K | -400.00K | -336.00K | -232.00K |
| Net Income | -16.72M | -8.54M | -13.68M | -17.89M | -165.68M | -33.21M |
| Net Income to Common | -16.72M | -8.54M | -13.68M | -17.89M | -165.68M | -33.21M |
| Shares Outstanding (Basic) | 23.86M | 24.09M | 24.40M | 24.85M | 25.44M | 21.00M |
| Shares Outstanding (Diluted) | 23.86M | 24.09M | 24.40M | 24.85M | 25.44M | 21.00M |
| EPS (Basic) | -0.70 | -0.35 | -0.56 | -0.72 | -6.51 | -1.58 |
| EPS (Diluted) | -0.70 | -0.35 | -0.56 | -0.72 | -6.51 | -1.59 |
| Free Cash Flow | -254.00K | -1.01M | -1.35M | -9.38M | -27.46M | -31.55M |
| Free Cash Flow Per Share | -0.01 | -0.04 | -0.06 | -0.38 | -1.08 | -1.50 |
| Operating Margin | -22.27% | -29.78% | -34.27% | -34.76% | -94.64% | -109.70% |
| Profit Margin | -40.52% | -20.99% | -32.51% | -43.13% | -367.32% | -81.44% |
| Free Cash Flow Margin | -0.61% | -2.49% | -3.21% | -22.62% | -60.89% | -77.38% |
| Revenue as Reported | 68.07M | 68.62M | 71.21M | 65.22M | 68.95M | 57.52M |
Balance sheet
Fiscal year January - December; amounts in CAD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 23.27M | 17.70M | 8.53M | 16.13M | 29.27M | 67.76M |
| Long-Term Investments | 9.75M | 21.07M | 38.08M | 37.77M | 37.51M | 121.91M |
| Trading Asset Securities | 7.87M | |||||
| Loans & Lease Receivables | 58.28M | 60.65M | 58.62M | 61.72M | 56.84M | 55.83M |
| Property, Plant & Equipment | 134.00K | 254.00K | 448.00K | 1.20M | 3.72M | 4.62M |
| Goodwill | 38.35M | 38.35M | 38.35M | 38.35M | 38.35M | 70.11M |
| Other Intangible Assets | 24.05M | 26.00M | 31.08M | 36.56M | 41.83M | 52.30M |
| Restricted Cash | 1.78M | 2.46M | 2.51M | 1.74M | 1.58M | 1.45M |
| Other Current Assets | 6.30M | 6.50M | 11.04M | 13.07M | 12.39M | 12.02M |
| Other Long-Term Assets | 505.00K | 645.00K | 989.00K | 1.23M | ||
| Total Assets | 162.44M | 173.63M | 189.65M | 207.76M | 221.49M | 393.87M |
| Accounts Payable | 3.42M | 3.35M | 4.51M | 6.45M | 5.69M | 4.96M |
| Accrued Expenses | 11.63M | 9.04M | 8.72M | 7.21M | 7.45M | 10.11M |
| Short-Term Debt | 419.00K | 12.69M | ||||
| Current Portion of Long-Term Debt | 1.09M | 2.25M | ||||
| Long-Term Debt | 79.76M | 81.35M | 84.08M | 86.19M | 84.45M | 84.78M |
| Long-Term Leases | 159.00K | 1.02M | 1.54M | 2.71M | 3.28M | 3.95M |
| Other Current Liabilities | 4.07M | 8.95M | 10.46M | 7.85M | 5.71M | |
| Long-Term Deferred Tax Liabilities | 91.00K | 233.00K | 630.00K | 1.03M | 1.48M | 1.89M |
| Total Liabilities | 96.69M | 101.31M | 108.43M | 114.04M | 110.61M | 124.09M |
| Common Stock | 388.52M | 388.73M | 389.72M | 389.81M | 391.24M | 392.63M |
| Additional Paid-In Capital | 39.55M | 39.12M | 37.42M | 35.50M | 33.02M | 24.49M |
| Retained Earnings | -360.60M | -354.04M | -345.51M | -331.83M | -313.94M | -148.26M |
| Comprehensive Income & Other | -1.72M | -1.48M | -416.00K | 243.00K | 559.00K | 926.00K |
| Shareholders' Equity | 65.75M | 72.32M | 81.22M | 93.72M | 110.89M | 269.78M |
| Total Liabilities & Equity | 162.44M | 173.63M | 189.65M | 207.76M | 221.49M | 393.87M |
| Total Debt | 81.55M | 84.62M | 85.62M | 88.90M | 88.14M | 101.41M |
| Net Cash (Debt) | -58.27M | -66.92M | -77.09M | -72.76M | -58.88M | -25.79M |
| Net Cash Per Share | -2.44 | -2.78 | -3.16 | -2.93 | -2.31 | -1.23 |
| Filing Date Shares Outstanding | 23.59M | 23.75M | 24.28M | 24.32M | 24.89M | 25.56M |
| Total Common Shares Outstanding | 23.59M | 23.75M | 24.28M | 24.33M | 24.89M | 25.46M |
| Working Capital | 72.96M | 68.60M | 58.52M | 68.54M | 78.68M | 111.45M |
| Book Value Per Share | 2.79 | 3.04 | 3.34 | 3.85 | 4.45 | 10.59 |
| Tangible Book Value | 3.35M | 7.97M | 11.78M | 18.81M | 30.70M | 147.36M |
| Tangible Book Value Per Share | 0.14 | 0.34 | 0.49 | 0.77 | 1.23 | 5.79 |
Cash flow statement
Fiscal year January - December; amounts in CAD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -16.72M | -8.54M | -13.68M | -17.89M | -165.68M | -33.21M |
| Depreciation & Amortization | 3.07M | 4.86M | 4.88M | 9.07M | 12.64M | 5.24M |
| Other Amortization | 4.78M | 3.14M | 3.54M | 7.50M | ||
| Loss (Gain) From Sale of Investments | 9.22M | 2.41M | -189.00K | -9.32M | 7.95M | -5.07M |
| Asset Writedown & Restructuring Costs | 1.36M | 31.76M | ||||
| Provision for Credit Losses | 17.69M | 18.50M | 18.41M | 13.78M | 15.38M | 8.48M |
| Loss (Gain) on Equity Investments | 8.27M | 78.83M | 278.00K | |||
| Stock-Based Compensation | 1.23M | 1.78M | 1.94M | 2.48M | 8.71M | 11.68M |
| Change in Accounts Payable | -2.84M | -6.03M | -2.20M | 1.90M | -805.00K | 2.78M |
| Change in Other Net Operating Assets | -16.45M | -15.49M | -14.18M | -20.97M | -18.53M | -21.06M |
| Other Operating Activities | -1.49M | -1.60M | 208.00K | 3.52M | -5.14M | -7.71M |
| Operating Cash Flow | -150.00K | -964.00K | -1.27M | -9.17M | -27.01M | -31.09M |
| Capital Expenditures | -104.00K | -49.00K | -79.00K | -214.00K | -455.00K | -464.00K |
| Cash Acquisitions | 839.00K | |||||
| Sale (Purchase) of Intangibles | -3.31M | -2.61M | -3.17M | -3.21M | -7.48M | -7.50M |
| Investment in Securities | 21.53M | 14.37M | 460.00K | 334.00K | -1.84M | -31.22M |
| Other Investing Activities | 625.00K | -1.25M | ||||
| Investing Cash Flow | 18.11M | 11.72M | -2.79M | -3.09M | -9.15M | -39.59M |
| Long-Term Debt Issued | 4.94M | 1.90M | 5.34M | 2.55M | 7.51M | |
| Long-Term Debt Repaid | -5.44M | -5.32M | -5.08M | -4.07M | -2.88M | |
| Lease Payments | -608.00K | -604.00K | -608.00K | -571.00K | -668.00K | -660.00K |
| Net Debt Issued (Repaid) | -2.58M | -494.00K | -3.41M | 261.00K | -1.52M | 4.63M |
| Issuance of Common Stock | 35.00K | 35.00K | 69.00K | 121.24M | ||
| Repurchase of Common Stock | -269.00K | -1.11M | -104.00K | -1.12M | -1.63M | |
| Financing Cash Flow | -2.81M | -1.57M | -3.52M | -861.00K | -3.08M | 125.86M |
| Foreign Exchange Rate Adjustments | -14.00K | -21.00K | -21.00K | 743.00K | 463.00K | |
| Net Cash Flow | 15.15M | 9.17M | -7.60M | -13.13M | -38.49M | 55.64M |
| Free Cash Flow | -254.00K | -1.01M | -1.35M | -9.38M | -27.46M | -31.55M |
| Free Cash Flow Margin | -0.61% | -2.49% | -3.21% | -22.62% | -60.89% | -77.38% |
| Free Cash Flow Per Share | -0.01 | -0.04 | -0.06 | -0.38 | -1.08 | -1.50 |
| Free Cash Flow After Leases | -862.00K | -1.62M | -1.96M | -9.95M | -28.13M | -32.21M |
| Cash Interest Paid | 8.16M | 8.25M | 9.98M | 9.67M | 7.91M | |
| Cash Income Tax Paid | 41.00K | 59.00K | 56.00K | 55.00K | 76.00K |
Ratios
Fiscal year January - December; amounts in CAD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 20.96M | 25.84M | 31.56M | 45.16M | 41.92M | 240.37M |
| PS Ratio | 0.70 | 0.87 | 1.08 | 1.44 | 1.26 | 7.46 |
| PB Ratio | 0.44 | 0.49 | 0.56 | 0.64 | 0.51 | 1.13 |
| Debt / Equity Ratio | 1.24 | 1.17 | 1.05 | 0.95 | 0.80 | 0.38 |
| Net Debt / Equity Ratio | 0.89 | 0.93 | 0.95 | 0.78 | 0.53 | 0.10 |
| Net Debt / FCF Ratio | -229.43 | -66.06 | -57.10 | -7.76 | -2.14 | -0.82 |
| Quick Ratio | 4.89 | 4.19 | 3.03 | 3.23 | 4.02 | 3.93 |
| Current Ratio | 5.37 | 4.67 | 3.64 | 3.84 | 4.68 | 4.33 |
| Asset Turnover | 0.24 | 0.22 | 0.21 | 0.19 | 0.15 | 0.16 |
| Return on Equity (ROE) | -22.70% | -11.12% | -15.64% | -17.48% | -87.05% | -24.15% |
| Return on Assets (ROA) | -9.68% | -4.70% | -6.88% | -8.33% | -53.85% | -13.33% |
| Earnings Yield | -56.60% | -24.09% | -30.13% | -29.99% | -292.01% | -10.92% |
| FCF Yield | -0.90% | -2.86% | -2.97% | -15.73% | -48.41% | -10.37% |
| Buyback Yield / Dilution | 1.99% | 1.25% | 1.82% | 2.31% | -21.14% | -118.22% |