Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
Marble Financial. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Marble Financial's earnings available for a low price, and how does
this compare to other companies in the same industry?
Marble Financial is not considered high growth as it is expected to be loss making for the next 1-3 years.
Marble Financial's revenue is expected to grow significantly at over 20% yearly.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Marble Financial's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
Marble Financial's finances.
The net worth of a company is the difference between its assets and liabilities.
Marble Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Marble Financial's cash and other short term assets cover its long term commitments.
This treemap shows a more detailed breakdown of
Marble Financial's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Low level of unsold assets.
Debt is covered by short term assets, assets are 1x debt.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Karim Nanji has been Chief Executive Officer of Marble Financial Inc. since October 22, 2019. He served as Chief Operating Officer of MLI Marble Lending Inc. since June 19, 2019. Mr. Nanji is an accomplished leader with a proven track record for building and commercializing world-class financial technology. He has a significant background in retail financial services for underbanked, underserved and credit-challenged consumers in Canada, the United States and international markets. Mr. Nanji is a concept through execution leader with many years of experience across start-up, growth, enterprise and Fortune 500 organizations. Mr. Nanji has a Bachelor of Arts in Economics from The University of British Columbia and a Master of Business Administration in the Management of Technology from Simon Fraser University.
Insufficient data for Karim to compare compensation growth.
Insufficient data for Karim to establish whether their remuneration is reasonable compared to companies of similar size in Canada.
Management Team Tenure
Average tenure of the
management team in years:
The average tenure for the Marble Financial management team is less than 2 years, this suggests a new team.
Chief Executive Officer
Chief Financial Officer
Chief Technology Officer
Director of Marketing & Creative
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The average tenure for the Marble Financial board of directors is less than 3 years, this suggests a new board.
Board of Directors
Chief Executive Officer
Member of Advisory Board
Member of Advisory Board
Who owns this company?
Recent Insider Trading
More shares have been bought than sold by Marble Financial individual insiders in the past 3 months.
What Kind Of Shareholder Owns Most MLI Marble Lending Inc. (CNSX:MRBL) Stock?
MLI Marble Lending is not a large company by global standards. … View our latest analysis for MLI Marble Lending CNSX:MRBL Ownership Summary, June 21st 2019 What Does The Lack Of Institutional Ownership Tell Us About MLI Marble Lending? … Insider Ownership Of MLI Marble Lending While the precise definition of an insider can be subjective, almost everyone considers board members to be insiders.
Marble Financial Inc. provides a mobile/online lending platform in Canada. It engages in rebuilding the user credit by providing an unsecured loan to pay out their consumer proposal. The company was formerly known as MLI Marble Lending Inc. and changed its name to Marble Financial Inc. in November 2019. Marble Financial Inc. was incorporated in 2015 and is headquartered in Vancouver, Canada.
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.