)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Mogo (MOGO) investor relations material
Mogo Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Achieved record assets under management (AUM) of $498 million, up 22% year-over-year, and total members reached 2.3 million, up 6% year-over-year.
Wealth revenue grew 27% year-over-year to $3.7 million, and payments revenue increased 11% year-over-year to $2.4 million, driven by international expansion.
Launched the Intelligent Investing platform, unifying managed and self-directed investing, replacing legacy Moka and MogoTrade apps, with rollout continuing into Q1 2026.
Increased Bitcoin holdings by over 300% quarter-over-quarter to $4.7 million as part of a strategic treasury initiative, funded by excess cash and investment monetization.
The company is positioning itself at the intersection of digitized value and modernized financial infrastructure, leveraging both operating businesses and Bitcoin allocation.
Financial highlights
Adjusted total revenue rose 2% year-over-year to $17.0 million, with a shift toward recurring revenue streams.
Adjusted subscription & services revenue up 7% year-over-year to $10.3 million.
Adjusted EBITDA was $2.0 million (11.6% margin), up from $1.9 million in Q2 2025 and flat year-over-year.
Adjusted net loss was $3.4 million, mainly due to a $3.0 million revaluation loss on marketable securities and private investments.
Total cash and investments ended the quarter at $46.1 million, including $18.1 million in cash, $20.8 million in marketable securities, and $7.1 million in private investments.
Outlook and guidance
2025 revenue guidance reaffirmed; full-year 2025 adjusted EBITDA guidance raised to $6–7 million.
Focus remains on scaling the Intelligent Investing platform, growing recurring revenue, and expanding profitable growth into 2026.
Wealth revenue projected to increase 20–25% in 2025; payments business to grow in mid- to high teens percentages.
Interest revenue from lending expected to decrease 8–10% due to a more cautious lending approach.
Priorities include capital allocation focused on Bitcoin and hard assets.
Intelligent Investing: user retention via behavioral design
Carta stablecoin integration: target use cases
Lending book vs Bitcoin: capital allocation strategy
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Mogo earnings date
Q4 202519 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Mogo Inc. is a Canadian fintech company that offers a range of digital financial services aimed at helping consumers manage and improve their financial health. The company provides products such as a mobile app for credit monitoring, identity protection, and budgeting tools. Mogo also offers cryptocurrency trading, personal loans, and a digital prepaid Visa card. Mogo's platform focuses on simplifying financial management for users through accessible and technology-driven solutions. The company is headquartered in Vancouver, Canada, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage