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MGLD vs PAPL

MGLD
The Marygold Companies, Inc.
BEARISH
Price
$1.10
Market Cap
$47.7M
Sector
Financial Services
AI Confidence
85%
PAPL
Pineapple Financial Inc.
BEARISH
Price
$1.80
Market Cap
$47.0M
Sector
Financial Services
AI Confidence
95%

Valuation

P/E Ratio
MGLD
--
PAPL
--
Forward P/E
MGLD
--
PAPL
45.0
P/B Ratio
MGLD
2.08
PAPL
1.73
P/S Ratio
MGLD
1.65
PAPL
16.17
EV/EBITDA
MGLD
-8.83
PAPL
-18.46

Profitability

Gross Margin
MGLD
73.43%
PAPL
100.0%
Operating Margin
MGLD
-8.26%
PAPL
-115.7%
Profit Margin
MGLD
-11.86%
PAPL
0.0%
ROE
MGLD
-14.86%
PAPL
-203.43%
ROA
MGLD
-9.44%
PAPL
-6.17%

Growth

Revenue Growth
MGLD
-4.5%
PAPL
-4.8%
Earnings Growth
MGLD
--
PAPL
--

Financial Health

Debt/Equity
MGLD
0.05
PAPL
0.72
Current Ratio
MGLD
3.9
PAPL
1.15
Quick Ratio
MGLD
3.1
PAPL
0.89

Dividends

Dividend Yield
MGLD
--
PAPL
--
Payout Ratio
MGLD
0.0%
PAPL
0.0%

AI Verdict

MGLD BEARISH

The Marygold Companies exhibits severe financial weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating a significant deterioration in fundamental health. While the company maintains a strong liquidity position with a current ratio of 3.90 and very low debt, it is plagued by negative profit margins (-11.85%) and shrinking year-over-year revenue growth (-4.50%). The combination of negative ROE, a bearish technical trend, and a high Price-to-Book ratio (2.08) for a loss-making entity suggests the stock is fundamentally overvalued. Despite a slight recovery in 1-year price performance, the long-term 5-year trend remains deeply negative (-67.5%).

Strengths
Very low Debt/Equity ratio (0.05)
Strong short-term liquidity (Current Ratio 3.90)
High Gross Margin (73.43%)
Risks
Critical Piotroski F-Score (1/9) indicating poor financial health
Negative net and operating profit margins
Negative revenue growth (-4.50% YoY)
PAPL BEARISH

PAPL exhibits critical financial distress, highlighted by a Piotroski F-Score of 1/9, indicating severe fundamental weakness. The company is experiencing significant operational failure with an operating margin of -115.70% and a catastrophic ROE of -203.43%. While the stock has seen a speculative short-term price surge (+181.2% in 1 month), this is decoupled from fundamentals as revenue continues to decline both YoY (-4.80%) and Q/Q (-15.04%). The lack of a Graham Number or Intrinsic Value reflects a lack of profitability and unsustainable valuation metrics.

Strengths
Recent short-term price momentum (speculative)
Debt/Equity ratio (0.72) is lower than the sector average (1.32)
Current ratio (1.15) remains slightly above 1.0
Risks
Extreme operational losses (Operating Margin -115.70%)
Severe equity erosion (ROE -203.43%)
Negative revenue growth trends (YoY and Q/Q)

Compare Another Pair

MGLD vs PAPL: Head-to-Head Comparison

This page compares The Marygold Companies, Inc. (MGLD) and Pineapple Financial Inc. (PAPL) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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