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Marble Financial Inc. (MRBL.CN)
Key financial summary
Financials in CAD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | CAD m | 1 | 0 | 0 | 1 | 1 | 0 | 1 |
| Operating profit | CAD m | -5 | -1 | |||||
| Net profit | CAD m | -1 | -1 | -3 | -4 | -5 | -5 | -2 |
| EPS reported | CAD | -0.05 | -0.03 | |||||
| Operating cashflow per share | CAD | -0.03 | -0.03 | |||||
| Capex per share | CAD | 0.00 | 0.00 | |||||
| FCF per share | CAD | -0.03 | -0.03 | |||||
| Free cash flow | CAD m | -3 | -2 | |||||
| Net debt | CAD m | 6 | 1 | |||||
| Book value equity | CAD m | -6 | - | |||||
| Book value per share | CAD | -0.06 | - | |||||
| Number of shares | m | 99.26 | 177.87 | |||||
| DPS (TTM paid) | CAD | 0.00 | 0.00 |
Financial summary
Financials in CAD| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | - | - | |||||
| P/B LTM | x | -1.32 | -1.06 | |||||
| P/S LTM | x | 17.01 | 16.20 | |||||
| P/FCF LTM | x | -2.82 | -5.80 | |||||
| EV/EBITDA LTM | x | -3.06 | -9.83 | |||||
| EV/Sales LTM | x | 31.30 | 18.40 | |||||
| Earnings Yield LTM | % | -71.09% | -88.86% | |||||
| FCF Yield | % | -35.45% | -17.25% | |||||
| Quality | ||||||||
| ROE | % | 93.79% | 122.97% | |||||
| ROIC | % | -452.80% | -452.80% | |||||
| Operating margin | % | -1075.1% | -1075.1% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | -603.09% | -603.09% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | - | - | |||||
| Sales Growth YoY | % | -39.79% | +22.30% | |||||
| Net Income Growth YoY | % | - | - | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | - | - | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 0.00% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 0.00% | 0.00% | |||||
| FCF/Debt | x | -0.42 | -1.26 | |||||
| Net Debt/EBITDA | x | -1.40 | -1.40 | |||||
| EBIT/Net interest | x | -7.20 | -7.20 | |||||
| Net debt/market cap | % | 83.96% | 13.58% | |||||
| Net debt/Equity | x | -1.11 | - | |||||
| Gross debt/equity | x | -1.12 | - | |||||
Company overview
Marble Financial Inc., a Canadian financial technology firm powered by artificial intelligence, offers a comprehensive suite of solutions designed to empower individuals with better financial health. Its primary offering, MyMarble, is an online personal finance platform crafted to equip users with the knowledge and tools needed to comprehend, establish, and sustain a healthy credit profile. It also delivers valuable insights into budgeting and credit management, complemented by educational resources. Beyond MyMarble, the company provides several specialized tools. Among these is Marble Learn, which delivers interactive educational content and quizzes focused on core financial areas: credit, budgeting, and debt management. For individuals struggling to secure conventional financing from banks, credit unions, or trust companies, often due to past insolvency, the Fast-Track credit acceleration solution helps them improve their credit standing. Further offerings include Boost, a subscription-based program for credit enhancement, and The Secured Future Credit Plan, which cleverly merges savings with credit-building functionalities. Furthermore, Marble Financial operates a sophisticated cloud-based Software-as-a-Service (SaaS) platform. This platform supports open banking and consumer-directed finance initiatives, while also supplying critical banking verification services to the financial industry. These services assist with income verification, credit assessment, fraud prevention, and compliance with Know Your Client (KYC) and Anti-Money Laundering (AML) regulations. Established in 2015 and headquartered in Vancouver, Canada, the company operated as MLI Marble Lending Inc. before rebranding to Marble Financial Inc. in November 2019.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Marble Financial Inc. (MRBL.CN)
Marble Financial Inc., a Canadian financial technology firm powered by artificial intelligence, offers a comprehensive suite of solutions designed to empower individuals with better financial health. Its primary offering, MyMarble, is an online personal finance platform crafted to equip users with the knowledge and tools needed to comprehend, establish, and sustain a healthy credit profile. It also delivers valuable insights into budgeting and credit management, complemented by educational resources. Beyond MyMarble, the company provides several specialized tools. Among these is Marble Learn, which delivers interactive educational content and quizzes focused on core financial areas: credit, budgeting, and debt management. For individuals struggling to secure conventional financing from banks, credit unions, or trust companies, often due to past insolvency, the Fast-Track credit acceleration solution helps them improve their credit standing. Further offerings include Boost, a subscription-based program for credit enhancement, and The Secured Future Credit Plan, which cleverly merges savings with credit-building functionalities. Furthermore, Marble Financial operates a sophisticated cloud-based Software-as-a-Service (SaaS) platform. This platform supports open banking and consumer-directed finance initiatives, while also supplying critical banking verification services to the financial industry. These services assist with income verification, credit assessment, fraud prevention, and compliance with Know Your Client (KYC) and Anti-Money Laundering (AML) regulations. Established in 2015 and headquartered in Vancouver, Canada, the company operated as MLI Marble Lending Inc. before rebranding to Marble Financial Inc. in November 2019.
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