Orion Digital Corp. Q2 FY2021 Earnings Call
· Earnings call transcript and AI-powered summary
Date: Q2 2021 Earnings Conference Call
Key Context: Mogo reported strong growth driven by subscription services, card adoption, and strategic investments/acquisitions. Focus remains on building a digital wealth platform for Gen Z/millennials in Canada, with emphasis on financial health and sustainability via MogoCard (carbon offsetting + Bitcoin rewards). Total members reached 1.7 million (up 63% YoY from ~1.0 million in Q2 2020; >60% from Moka acquisition). If including Coinsquare's ~600k members, ecosystem exceeds 2 million. ~95% of revenue is now recurring.
Financial Highlights (Q2 2021 vs. Q2 2020)
- Total Revenue: $13.7 million, +29% YoY. Subscription & services revenue drove all growth and now comprises 60% of total (vs. 43% prior year).
- Subscription & Services Revenue: +81% YoY (accelerated from prior trends; new streams from Carta/Moka + MogoCard volume surge). Updated 2021 guidance: +100-110% YoY (raised from 80-100%).
- Payments Volume: +83% YoY to $2 billion (B2B via Carta).
- MogoCard Transaction Volume: +1,600% YoY (key driver; average user spend ~$650/month; 66% of active users report average savings of >$200/month).
- MogoCrypto Volume: +390% YoY (Bitcoin users 7.5x more likely to refer; <5% of total revenue). 5>
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