The Marketing Alliance

MAAL

Insurance - Brokers · Financial Services

Price

$1.87

+0.00 (+0.00%)

Market Cap

$12.8M

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−15.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 8.1M (2022) → 6.8M (2026)

The Marketing Alliance (MAAL) is a small financial services company that helps independent life insurance agents run their businesses. It acts as a middleman — called an insurance marketing organization, or IMO — connecting independent agents with large insurance carriers so those agents can sell life insurance and annuity products to everyday consumers. The company is based in Missouri and operates primarily in the United States.

MAAL earns money mainly through commissions and fees generated when agents in its network sell insurance policies. It is a very small company, with a market cap under $10 million, and its competitive edge comes from the support services it provides to agents, such as back-office tools, training, and access to multiple carriers. Because it depends heavily on a relatively small network of independent agents and a narrow product focus, agent retention and carrier relationships are the key risks to watch.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+24.5% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+303.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.2%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$2M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

The Marketing Alliance is a rare growth stock that's already generating positive cash flow while growing at 25%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

19.9%

Thin — 19.9% gross margin

Operating Margin

4.4%

Thin — 4.4% operating margin

ROCE

4.2%

Weak — 4.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+11.7%

Steady sales growth (11.7% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

53%

Weak — only 53% of profit becomes cash

FCF Margin

2.2%

Thin free cash flow (2.2%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.44

Conservative — low debt load (0.44)

Interest Cover

130.20x

Comfortably covers interest (130.2x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

11.5x

Attractive valuation — P/E 11.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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