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Orion Digital Corp. Q2 FY2025 Earnings Call

· Earnings call transcript and AI-powered summary

Date: August 7, 2025 | Period: Q2 2025 (comparisons to Q2 2024 unless noted)

Overall Performance

  • Delivered strong profitability with net income of $13.5 million and operating cash flow positive for the quarter.
  • Adjusted EBITDA reached $1.9 million (up from $1.1 million in Q1 2025 and $1.4 million in Q2 2024), with margin expanding to 11.4%.
  • Gross margin improved to 72%.
  • Book value stood at $81.6 million or $3.41 per share; cash, marketable securities and investments totaled $50.8 million ($2.10 per share).

Segment Highlights

  • Wealth: Revenue grew 48% year-over-year; Assets Under Management (AUM) hit all-time high of $462 million, up 18% YoY. New users arriving at ~$20/month ARPU (vs. $10/month for legacy base), driving organic growth without marketing spend.
  • Payments (Carta): Total volume flat YoY at $2.8 billion; core European volume up 15% YoY after exiting Canadian operations at end of Q1 2025. Full OCI migration completed for improved scalability.
  • Lending: Loan book grew modestly; viewed as stable, high-ROI cash flow generator with 20+ years of experience, supporting but not driving primary growth.

Strategic Initiatives & Capital Allocation

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Operator: Good afternoon, ladies and gentlemen, and welcome to the Mogo's Second Quarter 2025 Financial Results Conference Call. [Operator Instructions] This call is being recorded on Thursday, August 7, 2025. I would now like to turn the conference over to Craig Armitage, Investor Relations. Please go ahead. Craig Armitage: Thank you, and good afternoon, everyone. Just a few quick notes before we get started. Today's call will contain forward-looking statements that are based on current assumptions and subject to risks and uncertainties that could cause actual results to differ materially from those projected. The company undertakes no obligation to update these statements, except as required by law. Information about the risks and uncertainties are included in Mogo's Q2 filings as well as periodic filings with regulators in Canada and the U.S., which you can find on SEDAR+, EDGAR and you can also access via the Mogo Investor Relations website. Lastly, today's session will include several adjusted financial measures or non-IFRS measures. Please consider these as a supplement to and not as a substitute for the IFRS measures. You'll see that we've included reconciliations to those in the press release and in the investor deck that accompanies the webcast. And with that, I'll turn it over to Dave Feller. Go ahead, Dave. David Marshall Feller: Thanks, Craig. Thanks, everyone, for joining. Q2 was a strong quarter across the board, profitable, high margin and structurally aligned

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