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The Marygold Companies, Inc. (MGLD) 10-Year Financial Performance & Capital Metrics

MGLD • • Banking & Credit
Financial ServicesAsset ManagementTraditional Asset ManagementGlobal Diversified Asset Managers
AboutThe Marygold Companies Inc., through its subsidiaries, engages in investment fund management, beauty products, food products, and security alarm systems businesses in the United States, New Zealand, Australia, and Canada. It also operates as an investment advisor to exchange traded funds and exchange traded products organized as limited partnerships or investment trusts. In addition, the company manufactures and distributes meat pies and related bakery confections to groceries, gasoline convenience stores, and independent retailers, as well as prints specialty wrappers for the food industry; and sells and installs commercial and residential alarm monitoring systems under the Brigadier Security Systems and Elite Security names. Further, it engages in the formulation and wholesale distribution of hair and skin care products under the Original Sprout brand to salons, resorts, grocery stores, health food stores, e-tail sites, and online shopping carts. Additionally, the company engages in the development of a Fintech software application to provide an enhanced mobile banking experience. The company was formerly known as Concierge Technologies, Inc. and changed its name to The Marygold Companies Inc. in March 2022. The Marygold Companies Inc. was founded in 1996 and is headquartered in San Clemente, California.Show more
  • Net Interest Income -$1M -258.4%
  • Total Revenue $30M -8.2%
  • Net Income -$6M -43.0%
  • Return on Equity -23.47% -11.4%
  • Net Interest Margin -3.85% -271.3%
  • Efficiency Ratio 94.72% +2.4%
  • ROA -18.38% -54.0%
  • Equity / Assets 75.57% -6.6%
  • Book Value per Share 0.55 -16.3%
  • Tangible BV/Share 0.47 -17.1%
  • Debt/Equity 0.10 +90.6%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Well capitalized: 75.6% equity/assets
  • ✓Diversified revenue: 95.4% from non-interest income

✗Weaknesses

  • ✗Weak Piotroski F-Score: 1/9
  • ✗Weak NIM of -3.9%
  • ✗High cost structure: 94.7% efficiency ratio
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y63.3%
5Y2.43%
3Y-7.28%
TTM-

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM10.94%

EPS CAGR

10Y-
5Y-
3Y-
TTM12.69%

ROCE

10Y Avg22.42%
5Y Avg-0.57%
3Y Avg-14.23%
Latest-26%

Peer Comparison

Global Diversified Asset Managers
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Technical
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Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
SIISprott Inc.2.97B115.1960.3119.02%29.28%14.59%2.27%
EMBJEmbraer S.A.13.36B73.9338.5121.38%5.51%10.43%3.03%0.78
BENFranklin Resources, Inc.13.54B25.9728.543.45%5.98%3.61%6.73%0.94
BLKBlackRock, Inc.179.4B1156.6527.5314.27%31.21%9.86%2.62%0.29
IVZInvesco Ltd.13.08B29.3924.916.13%12.77%6.75%8.57%0.48
SEICSEI Investments Company10.6B86.5419.6210.7%27.35%28.87%5.34%0.01
JHGJanus Henderson Group plc7.15B47.8918.7117.67%16.53%9.41%9.57%0.10
STTState Street Corporation38.07B136.2916.6019.64%12.23%10.78%1.45

Profit & Loss

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Net Interest Income+-6.97K-18.41K10.84K337.3K55.09K-11.55K3.85K255K740K-1.17M
NII Growth %0.91%-1.64%1.59%30.12%-0.84%-1.21%1.33%65.32%1.9%-2.58%
Net Interest Margin %----------
Interest Income1.71K3.18K111.93K366.8K96.19K28.82K35.36K275K756K1.4M
Interest Expense8.69K21.58K101.09K29.49K41.1K40.38K31.51K20K16K1.17M
Loan Loss Provision2.74M4.83M5.81M6.91M6.44M9.25M9.16M8.73M8.7M7.11M
Non-Interest Income+27.78M32.01M28.6M26.58M26.65M39.88M37.79M34.6M32.08M28.75M
Non-Interest Income %----------
Total Revenue+27.78M32.01M28.71M26.95M26.75M39.9M37.83M34.88M32.84M30.15M
Revenue Growth %123.24%0.15%-0.1%-0.06%-0.01%0.49%-0.05%-0.08%-0.06%-0.08%
Non-Interest Expense16.17M20.43M19.99M19.26M18.35M23.2M26.25M24.71M30.37M28.56M
Efficiency Ratio----------
Operating Income+8.86M6.73M2.81M755.59K1.92M7.42M2.38M1.42M-6.26M-6.69M
Operating Margin %----------
Operating Income Growth %68.29%-0.24%-0.58%-0.73%1.54%2.87%-0.68%-0.4%-5.41%-0.07%
Pretax Income+8.86M6.78M2.5M608.86K2.34M7.63M2.36M1.59M-5.45M-4.26M
Pretax Margin %----------
Income Tax+3.58M1.59M766.6K347.01K562.96K1.79M1.21M429K-1.38M1.56M
Effective Tax Rate %----------
Net Income+5.28M5.19M1.73M261.85K1.77M5.85M1.15M1.17M-4.07M-5.82M
Net Margin %----------
Net Income Growth %370.73%-0.02%-0.67%-0.85%5.77%2.3%-0.8%0.02%-4.49%-0.43%
Net Income (Continuing)5.28M5.19M1.73M261.85K1.77M5.85M1.15M1.17M-4.07M-5.82M
EPS (Diluted)+-0.000.180.050.010.050.150.030.03-0.10-0.14
EPS Growth %---0.72%-0.86%-2.25%-0.8%-0.02%-4.47%-0.4%
EPS (Basic)-0.000.180.060.010.050.150.030.03-0.10-0.14
Diluted Shares Outstanding2.27M29.56M38.3M38.3M38.45M38.47M39.03M39.42M40.4M41.7M

Balance Sheet

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Cash & Short Term Investments+1000K1000K1000K1000K1000K1000K1000K1000K1000K1000K
Cash & Due from Banks5.45M6.73M7.52M6.48M9.81M16.07M12.92M8.16M5.46M5M
Short Term Investments9931000K1000K1000K1000K1000K1000K1000K1000K1000K
Total Investments+9933.58M3.2M4.26M2.32M2.33M5.57M11.98M10.05M10.13M
Investments Growth %-3602.98%-0.1%0.33%-0.45%0%1.39%1.15%-0.16%0.01%
Long-Term Investments000500K500K500K500K500K502K2.3M
Accounts Receivables1000K1000K1000K1000K1000K1000K1000K1000K1000K1000K
Goodwill & Intangibles+----------
Goodwill498.97K498.97K915.79K915.79K915.79K1.04M2.31M2.31M2.48M2.48M
Intangible Assets1.02M899.28K3M2.66M2.54M2.34M2.71M2.33M1.38M1.03M
PP&E (Net)1.17M1.16M1.08M757.01K1.93M2.63M2.75M2.08M2.14M2.02M
Other Assets509.54K524.41K545.7K37.04K36.46K54.15K1.05M477.2K179K100K
Total Current Assets9.45M15.03M16.7M15.52M17.6M24.11M25.24M26.82M24.25M19.05M
Total Non-Current Assets4.37M4.56M6.4M5.73M6.69M7.4M10.07M8.46M8.65M11.37M
Total Assets+13.82M19.6M23.1M21.25M24.29M31.51M35.31M35.28M32.9M30.42M
Asset Growth %4.92%0.42%0.18%-0.08%0.14%0.3%0.12%-0%-0.07%-0.08%
Return on Assets (ROA)0.65%0.31%0.08%0.01%0.08%0.21%0.03%0.03%-0.12%-0.18%
Accounts Payable1.04M1.78M1.94M1.72M1.36M1.67M2M1.33M1.96M2.08M
Total Debt+617K693.49K799.7K690.8K1.75M2.12M1.9M1.29M1.46M2.4M
Net Debt-4.84M-6.04M-6.72M-5.79M-8.07M-13.95M-11.02M-6.88M-4M-2.6M
Long-Term Debt0672.61K749.49K661.06K959.85K379.8K459.18K380.54K70K0
Short-Term Debt617K20.89K50.2K29.74K16.7K618.59K33.5K457.31K315K1.27M
Other Liabilities2.01M2.01M00000-380.48K167K0
Total Current Liabilities3.68M3.45M5.17M3.22M3.61M5.06M4.81M4.19M5.23M6.63M
Total Non-Current Liabilities2.28M2.94M957.91K837.63K1.54M1.16M1.46M711.34K1.05M801K
Total Liabilities5.96M6.4M6.13M4.06M5.14M6.22M6.27M4.9M6.29M7.43M
Total Equity+7.86M13.2M16.98M17.19M19.15M25.29M29.04M12.02M26.61M22.99M
Equity Growth %2.84%0.68%0.29%0.01%0.11%0.32%0.15%-0.59%1.21%-0.14%
Equity / Assets (Capital Ratio)----------
Return on Equity (ROE)1.06%0.49%0.11%0.02%0.1%0.26%0.04%0.06%-0.21%-0.23%
Book Value per Share3.470.450.440.450.500.660.740.300.660.55
Tangible BV per Share----------
Common Stock886.75K29.56K29.56K37.24K37.41K37.49K39.38K39.38K40K42K
Additional Paid-in Capital6.32M7.17M9.19M9.18M9.33M9.33M12.31M12.4M12.82M15.17M
Retained Earnings690.04K5.88M7.61M8.15M9.93M15.78M16.92M18.09M14.02M8.2M
Accumulated OCI-30.3K119.34K148.81K-175.66K-144.74K142.58K-234.79K-144.84K-269K-420K
Treasury Stock0000000000
Preferred Stock2.01M0437535349494900

Cash Flow

Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Cash from Operations+5.31M5.18M3M875.8K1.66M7.22M-580.3K1.85M-1.91M-3.32M
Operating CF Growth %18.6%-0.02%-0.42%-0.71%0.9%3.35%-1.08%4.19%-2.03%-0.74%
Net Income5.28M5.19M1.73M261.85K1.77M5.85M1.15M1.17M-4.07M-5.82M
Depreciation & Amortization229.47K418.84K576.67K702.32K601.83K599.98K561.02K577.09K585K590K
Deferred Taxes0-314.29K564.99K-26.42K44.16K-19.09K51.69K-36.47K-1.2M-1.61M
Other Non-Cash Items-524-6.74K399.46K-30.02K258.72K707.51K733.24K786.29K2.05M2.23M
Working Capital Changes-195.98K-103.7K-273.5K-31.94K-1.17M81.56K-3.07M-724.06K289K466K
Cash from Investing+-2.87M-4.01M-2.33M-1.78M1.3M-1.2M-3.73M-7.29M-926K1.2M
Purchase of Investments0-3.77M-1.11M-3.75M-2.04M-7.83K-3.71M-15.86M-13.45M-7.04M
Sale/Maturity of Investments0227.63K1000K1000K1000K0508.12K1000K1000K1000K
Net Investment Activity----------
Acquisitions-2.77M-214.03K-2.28M-1.21M217.99K-1.12M-508.85K0-403K0
Other Investing0000-217.99K031.61K-623.59K-629K443K
Cash from Financing+-247.26K83.38K110.94K-108.9K289.07K-28.43K2.34M-20.3K-30K1.83M
Dividends Paid0000000000
Share Repurchases-847.26K000000000
Stock Issued0000002.98M001.81M
Net Stock Activity----------
Debt Issuance (Net)600K83.38K110.94K-108.9K289.07K-28.43K-41.88K-20.3K-30K311K
Other Financing000000-603.5K00-289K
Net Change in Cash+2.1M1.28M793.63K-1.04M3.33M6.26M-2.16M-5.34M-3.06M-455K
Exchange Rate Effect-90.23K24.09K13.18K-30.89K78.78K271.03K-191.21K118.41K-196K-169K
Cash at Beginning3.35M5.45M6.74M7.54M6.5M9.83M16.09M13.93M8.59M5.52M
Cash at End5.45M6.73M7.54M6.5M9.83M16.09M13.93M8.59M5.52M5.07M
Interest Paid05K029.49K016.09K16.4K15K16K464K
Income Taxes Paid3.94M2.48M965.27K202.36K01.69M1.7M232K155K48K
Free Cash Flow+5.2M4.92M2.68M825.63K884.23K7.14M-624.34K1.76M-1.97M-3.37M
FCF Growth %18.25%-0.05%-0.45%-0.69%0.07%7.08%-1.09%3.81%-2.12%-0.72%

Banking Ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)106.44%49.24%11.5%1.53%9.76%26.33%4.22%5.67%-21.06%-23.47%
Return on Assets (ROA)65.29%31.04%8.13%1.18%7.79%20.97%3.43%3.3%-11.94%-18.38%
Net Interest Margin-0.05%-0.09%0.05%1.59%0.23%-0.04%0.01%0.72%2.25%-3.85%
Efficiency Ratio58.21%63.82%69.62%71.46%68.6%58.13%69.4%70.84%92.5%94.72%
Equity / Assets56.88%67.36%73.49%80.9%78.84%80.26%82.24%34.07%80.9%75.57%
Book Value / Share3.470.450.440.450.50.660.740.30.660.55
NII Growth91.02%-163.95%158.9%3011.65%-83.67%-120.97%133.28%6531.99%190.2%-258.38%

Revenue by Segment

201720182019202020212022202320242025
Food Products-------7.27M6.72M
Food Products Growth---------7.58%
Beauty Products-------3.3M2.97M
Beauty Products Growth---------9.77%
Financial Services-------649K854K
Financial Services Growth--------31.59%
Security Alarm Monitoring Customer Support Services-----399.32K312.18K--
Security Alarm Monitoring Customer Support Services Growth-------21.82%--
Food and Beverage--4.75M4.75M8.26M----
Food and Beverage Growth----0.03%74.12%----
Beauty Products and Other-1.69M3.62M3.88M3.76M----
Beauty Products and Other Growth--113.70%7.25%-3.28%----
Security Alarm Monitoring-3.3M3.56M2.66M2.72M----
Security Alarm Monitoring Growth--7.72%-25.25%2.08%----
U.S.A Investment Fund Management23.93M--------
U.S.A Investment Fund Management Growth---------
New Zealand Food Industry4.79M--------
New Zealand Food Industry Growth---------
Canada Security Alarm Monitoring3.14M--------
Canada Security Alarm Monitoring Growth---------
U.S.A Data Streaming156.33K--------
U.S.A Data Streaming Growth---------

Frequently Asked Questions

Growth & Financials

The Marygold Companies, Inc. (MGLD) saw revenue decline by 8.2% over the past year.

The Marygold Companies, Inc. (MGLD) reported a net loss of $4.6M for fiscal year 2025.

Dividend & Returns

The Marygold Companies, Inc. (MGLD) has a return on equity (ROE) of -23.5%. Negative ROE indicates the company is unprofitable.

Industry Metrics

The Marygold Companies, Inc. (MGLD) has a net interest margin (NIM) of -3.9%. NIM has been under pressure due to interest rate environment.

The Marygold Companies, Inc. (MGLD) has an efficiency ratio of 94.7%. This is higher than peers, suggesting room for cost optimization.

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