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Marble Financial

CNSX:MRBL
Snowflake Description

Adequate balance sheet with limited growth.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
MRBL
CNSX
CA$11M
Market Cap
  1. Home
  2. CA
  3. Diversified Financials
Company description

Marble Financial Inc. provides a mobile/online lending platform in Canada. The last earnings update was 83 days ago. More info.


Add to Portfolio Compare Print
MRBL Share Price and Events
7 Day Returns
0%
CNSX:MRBL
14.4%
CA Consumer Finance
0.2%
CA Market
1 Year Returns
-
CNSX:MRBL
45.9%
CA Consumer Finance
4.9%
CA Market
MRBL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Marble Financial (MRBL) 0% 5.1% 5.1% - - -
CA Consumer Finance 14.4% 7.3% 18.5% 45.9% 75.1% 35.9%
CA Market 0.2% 0.4% 3.7% 4.9% 5.5% 14.3%
1 Year Return vs Industry and Market
  • No trading data on MRBL.
  • No trading data on MRBL.
Price Volatility
Industry
5yr Volatility vs Market

Value

 Is Marble Financial undervalued based on future cash flows and its price relative to the stock market?

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 undervalued.
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 CA$0.205.
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 Marble Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Marble Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
CNSX:MRBL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-09-30) in CAD CA$-0.04
CNSX:MRBL Share Price ** CNSX (2020-02-19) in CAD CA$0.21
North America Consumer Finance Industry PE Ratio Median Figure of 36 Publicly-Listed Consumer Finance Companies 9.29x
Canada Market PE Ratio Median Figure of 511 Publicly-Listed Companies 16.01x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Marble Financial.

CNSX:MRBL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= CNSX:MRBL Share Price ÷ EPS (both in CAD)

= 0.21 ÷ -0.04

-4.77x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Marble Financial is loss making, we can't compare its value to the North America Consumer Finance industry average.
  • Marble Financial is loss making, we can't compare the value of its earnings to the Canada market.
Price based on expected Growth
Does Marble Financial's expected growth come at a high price?
Raw Data
CNSX:MRBL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -4.77x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
-0%per year
North America Consumer Finance Industry PEG Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 0.41x
Canada Market PEG Ratio Median Figure of 249 Publicly-Listed Companies 1.11x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Marble Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Marble Financial's assets?
Raw Data
CNSX:MRBL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-09-30) in CAD CA$0.00
CNSX:MRBL Share Price * CNSX (2020-02-19) in CAD CA$0.21
Canada Consumer Finance Industry PB Ratio Median Figure of 6 Publicly-Listed Consumer Finance Companies 1.08x
Canada Market PB Ratio Median Figure of 2,337 Publicly-Listed Companies 1.39x
CNSX:MRBL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= CNSX:MRBL Share Price ÷ Book Value per Share (both in CAD)

= 0.21 ÷ 0.00

251.53x

* Primary Listing of Marble Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Marble Financial is overvalued based on assets compared to the CA Consumer Finance industry average.
X
Value checks
We assess Marble Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Marble Financial has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Marble Financial expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-0%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Marble Financial expected to grow at an attractive rate?
  • Unable to compare Marble Financial's earnings growth to the low risk savings rate as it is expected to be loss making during the next 1-3 years.
Growth vs Market Checks
  • Unable to compare Marble Financial's earnings growth to the Canada market average as it is expected to be loss making during the next 1-3 years.
  • Marble Financial's revenue growth is expected to exceed the Canada market average.
Annual Growth Rates Comparison
Raw Data
CNSX:MRBL Future Growth Rates Data Sources
Data Point Source Value (per year)
CNSX:MRBL Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts -0%
CNSX:MRBL Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 142%
North America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 3.2%
North America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 11.4%
Canada Market Earnings Growth Rate Market Cap Weighted Average 10.7%
Canada Market Revenue Growth Rate Market Cap Weighted Average 4.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
CNSX:MRBL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in CAD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
CNSX:MRBL Future Estimates Data
Date (Data in CAD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31
2020-12-31 2 -15 -2 1
2020-02-20
2019-12-31 1 -2 -2 1
CNSX:MRBL Past Financials Data
Date (Data in CAD Millions) Revenue Cash Flow Net Income *
2019-09-30 0 -1 -2
2019-06-30 0 -1 -2
2019-03-31 0 1 -1
2018-12-31 0 1 -1
2018-09-30 0 1 -1
2018-06-30 0 1 -1
2018-03-31 0 0 -1
2017-12-31 1 0 -1
2016-12-31 0 -1 -2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • 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.
Raw Data
CNSX:MRBL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Marble Financial Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

CNSX:MRBL Future Estimates Data
Date (Data in CAD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31
2020-12-31 -0.04 -0.04 -0.04 1.00
2020-02-20
2019-12-31 -0.04 -0.04 -0.04 1.00
CNSX:MRBL Past Financials Data
Date (Data in CAD Millions) EPS *
2019-09-30 -0.04
2019-06-30 -0.04
2019-03-31 -0.04
2018-12-31 -0.03
2018-09-30 -0.04
2018-06-30 -0.03
2018-03-31 -0.03
2017-12-31 -0.02
2016-12-31 -0.07

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Marble Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Marble Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the North America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the North America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Marble Financial has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Marble Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Marble Financial's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Marble Financial does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Marble Financial's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Marble Financial's 1-year growth to the North America Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
Marble Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Marble Financial Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

CNSX:MRBL Past Revenue, Cash Flow and Net Income Data
Date (Data in CAD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-09-30 0.31 -1.96 2.22
2019-06-30 0.05 -1.72 1.76
2019-03-31 0.13 -1.35 1.48
2018-12-31 -0.05 -1.22 1.17
2018-09-30 -0.27 -1.28 1.03
2018-06-30 -0.03 -0.98 0.99
2018-03-31 0.13 -0.86 1.02
2017-12-31 0.56 -0.55 1.14
2016-12-31 0.37 -1.59 1.84
2015-12-31 0.48 -0.24 0.72

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if Marble Financial has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Marble Financial has efficiently used its assets last year compared to the North America Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Marble Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Marble Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. 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.
Marble Financial 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.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Marble Financial's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

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.
Net Worth
  • 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.
Balance sheet
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 checks below.
Assets
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.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, 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.
Raw Data

All data from Marble Financial Company Filings, last reported 4 months ago.

CNSX:MRBL Past Debt and Equity Data
Date (Data in CAD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-09-30 0.04 5.57 2.75
2019-06-30 0.45 5.45 3.56
2019-03-31 1.00 5.52 4.46
2018-12-31 -1.53 5.65 1.46
2018-09-30 -1.45 5.56 1.24
2018-06-30 -0.97 5.42 1.16
2018-03-31 -0.95 5.51 0.37
2017-12-31 -0.95 5.51 0.37
2016-12-31 -0.73 5.52 0.38
2015-12-31 -0.25 5.30 0.52
  • Marble Financial's level of debt (12409.6%) compared to net worth is high (greater than 40%).
  • Unable to establish if Marble Financial's debt level has increased without past 5-year debt data.
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • Marble Financial has sufficient cash runway for 2 years based on current free cash flow.
  • Marble Financial has sufficient cash runway for 1.1 years if free cash flow continues to reduce at historical rates of -26.1% each year.
X
Financial health checks
We assess Marble Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Marble Financial has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Marble Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Marble Financial dividends.
If you bought CA$2,000 of Marble Financial shares you are expected to receive CA$0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Marble Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Marble Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
CNSX:MRBL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
North America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 1.9%
Canada Market Average Dividend Yield Market Cap Weighted Average of 336 Stocks 3.4%
Canada Minimum Threshold Dividend Yield 10th Percentile 1%
Canada Bottom 25% Dividend Yield 25th Percentile 1.9%
Canada Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

CNSX:MRBL Future Dividends Estimate Data
Date (Data in CA$) Dividend per Share (annual) Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31
2021-12-31
2020-12-31
2020-02-20
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Marble Financial has not reported any payouts.
  • Unable to verify if Marble Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Marble Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Marble Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Marble Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Marble Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Marble Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Marble Financial's salary, the management and board of directors tenure and is there insider trading?

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.
CEO
Karim Nanji
TENURE AS CEO 0.3 years
CEO Bio

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.

CEO Compensation
  • 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 Marble Financial management team in years:

0.4
Average Tenure
  • The average tenure for the Marble Financial management team is less than 2 years, this suggests a new team.
Management Team

Mike Marrandino

TITLE
Executive Chairman
COMPENSATION
CA$126K
AGE
62

Karim Nanji

TITLE
Chief Executive Officer
TENURE
0.3 yrs

Alastair Brownlow

TITLE
Chief Financial Officer
TENURE
0.7 yrs

Jim Chan

TITLE
Chief Technology Officer
AGE
62
TENURE
0.4 yrs

Rich Elliott

TITLE
Director of Marketing & Creative
TENURE
0.4 yrs

Toby Lim

TITLE
Corporate Secretary
Board of Directors Tenure

Average tenure and age of the Marble Financial board of directors in years:

0.8
Average Tenure
53
Average Age
  • The average tenure for the Marble Financial board of directors is less than 3 years, this suggests a new board.
Board of Directors

Mike Marrandino

TITLE
Executive Chairman
COMPENSATION
CA$126K
AGE
62
TENURE
0.3 yrs

Karim Nanji

TITLE
Chief Executive Officer
TENURE
0.3 yrs

Farhan Abbas

TITLE
Independent Director
TENURE
0.3 yrs

Jason Scharfe

TITLE
Independent Director
AGE
53
TENURE
4.5 yrs

Vikas Ranjan

TITLE
Independent Director
AGE
47
TENURE
2.1 yrs

Blake Elyea

TITLE
Member of Advisory Board
TENURE
0.8 yrs

Rahul Petkar

TITLE
Member of Advisory Board
TENURE
0.8 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Marble Financial individual insiders in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (CA$) Value (CA$)
15. Feb 20 Buy Michele Marrandino Individual 14. Feb 20 14. Feb 20 10,000 CA$0.20 CA$2,050
11. Feb 20 Buy Michele Marrandino Individual 11. Feb 20 11. Feb 20 70,000 CA$0.19 CA$13,300
10. Feb 20 Buy Jason Scharfe Individual 05. Feb 20 06. Feb 20 150,000 CA$0.20 CA$29,746
10. Feb 20 Buy Michele Marrandino Individual 07. Feb 20 07. Feb 20 2,000 CA$0.19 CA$370
04. Feb 20 Buy Pacific West Ventures Inc Company 03. Feb 20 03. Feb 20 11,000 CA$0.19 CA$2,035
28. Jan 20 Buy Michele Marrandino Individual 28. Jan 20 28. Jan 20 20,000 CA$0.19 CA$3,800
27. Jan 20 Buy Michele Marrandino Individual 27. Jan 20 27. Jan 20 5,000 CA$0.18 CA$925
27. Nov 19 Buy Jason Scharfe Individual 27. Nov 19 27. Nov 19 30,000 CA$0.22 CA$6,450
20. Nov 19 Buy Jason Scharfe Individual 26. Nov 19 26. Nov 19 27,000 CA$0.19 CA$5,130
18. Nov 19 Buy Jason Scharfe Individual 14. Nov 19 18. Nov 19 132,500 CA$0.23 CA$28,153
29. Oct 19 Buy Jason Scharfe Individual 30. Oct 19 30. Oct 19 153,000 CA$0.21 CA$31,365
24. Oct 19 Buy Jason Scharfe Individual 24. Oct 19 24. Oct 19 6,500 CA$0.22 CA$1,430
24. Sep 19 Buy Jason Scharfe Individual 20. Sep 19 23. Sep 19 25,000 CA$0.25 CA$6,152
10. Sep 19 Buy Jason Scharfe Individual 10. Sep 19 10. Sep 19 10,000 CA$0.28 CA$2,800
09. Sep 19 Buy Jason Scharfe Individual 05. Sep 19 05. Sep 19 10,000 CA$0.21 CA$2,100
22. Aug 19 Buy Jason Scharfe Individual 21. Aug 19 21. Aug 19 40,000 CA$0.20 CA$8,052
19. Aug 19 Buy Jason Scharfe Individual 19. Aug 19 19. Aug 19 10,000 CA$0.21 CA$2,050
16. Aug 19 Buy Jason Scharfe Individual 16. Aug 19 16. Aug 19 20,000 CA$0.20 CA$4,000
15. Aug 19 Buy Jason Scharfe Individual 15. Aug 19 15. Aug 19 5,000 CA$0.19 CA$950
12. Aug 19 Buy Jason Scharfe Individual 08. Aug 19 08. Aug 19 10,000 CA$0.20 CA$1,950
07. Aug 19 Buy Jason Scharfe Individual 07. Aug 19 07. Aug 19 25,000 CA$0.20 CA$5,000
07. Aug 19 Buy Monarch Properties Ltd. Company 07. Aug 19 07. Aug 19 20,000 CA$0.20 CA$4,000
18. Jul 19 Buy Jason Scharfe Individual 17. Jul 19 17. Jul 19 112,000 CA$0.19 CA$20,210
15. Jul 19 Buy Jason Scharfe Individual 15. Jul 19 15. Jul 19 20,000 CA$0.19 CA$3,700
10. Jul 19 Buy Jason Scharfe Individual 10. Jul 19 10. Jul 19 20,000 CA$0.17 CA$3,300
08. Jul 19 Buy Jason Scharfe Individual 08. Jul 19 08. Jul 19 35,000 CA$0.18 CA$6,125
01. Jul 19 Buy Jason Scharfe Individual 25. Jun 19 26. Jun 19 37,000 CA$0.17 CA$6,366
27. Jun 19 Buy Jason Scharfe Individual 21. Jun 19 21. Jun 19 23,000 CA$0.18 CA$3,985
25. Jun 19 Buy Monarch Properties Ltd. Company 19. Jun 19 19. Jun 19 30,000 CA$0.18 CA$5,400
02. Jun 19 Buy Jason Scharfe Individual 28. May 19 28. May 19 20,000 CA$0.20 CA$4,000
27. May 19 Buy Monarch Properties Ltd. Company 22. May 19 27. May 19 20,000 CA$0.21 CA$4,203
29. Apr 19 Buy Jason Scharfe Individual 23. Apr 19 23. Apr 19 5,000 CA$0.20 CA$975
29. Apr 19 Buy Monarch Properties Ltd. Company 23. Apr 19 25. Apr 19 40,000 CA$0.20 CA$7,984
19. Apr 19 Buy Jason Scharfe Individual 15. Apr 19 17. Apr 19 24,000 CA$0.20 CA$4,790
19. Apr 19 Buy Monarch Properties Ltd. Company 18. Apr 19 18. Apr 19 5,000 CA$0.19 CA$950
12. Apr 19 Buy Jason Scharfe Individual 11. Apr 19 12. Apr 19 11,000 CA$0.20 CA$2,196
12. Apr 19 Buy Monarch Properties Ltd. Company 10. Apr 19 12. Apr 19 140,000 CA$0.20 CA$27,980
05. Apr 19 Buy Monarch Properties Ltd. Company 03. Apr 19 03. Apr 19 35,000 CA$0.22 CA$7,075
28. Mar 19 Buy Monarch Properties Ltd. Company 22. Mar 19 22. Mar 19 27,000 CA$0.25 CA$6,615
X
Management checks
We assess Marble Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Marble Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

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.

Simply Wall St -

Company Info

Description

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.

Details
Name: Marble Financial Inc.
MRBL
Exchange: CNSX
Founded: 2015
CA$11,428,906
55,750,763
Website: http://www.marblefinancial.ca
Address: Marble Financial Inc.
1200-1166 Alberni Street,
Vancouver,
British Columbia, V6E 3Z3,
Canada
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
CNSX MRBL Common Stock Canadian National Stock Exchange CA CAD 21. Mar 2019
Number of employees
Current staff
Staff numbers
1
Marble Financial employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/02/20 03:09
End of day share price update: 2020/02/19 00:00
Last estimates confirmation: 2019/12/11
Last earnings filing: 2019/11/29
Last earnings reported: 2019/09/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.