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The Marketing Alliance, Inc (MAAL) Fair Value & Analysis

Financial Services · US · Market cap $12.2M

TM The Marketing Alliance, Inc logo The Marketing Alliance, Inc MAAL · US
Price$1.78
Fair Value$0.8500
Upside-52.3%
Quality68/100
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Weak Growth
Thin margins · 5.0% net margin
Low debt · generates free cash flow
Ranks above peers (8/13)
Narrow moat 42/100
Evidence: High Range $0.6400 – $1.07 Share as image

Fair value as of: Jul 27, 2026

From 6 valuation models · updated 14 days ago

Share price −3.8% over the past month.

A solid business, but screening 52% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case ($1.07). The favourable scenario is already priced in.
  • Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

$3.90 $1.10 Fair Value $0.8500 Jun 2015 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $1.10 – $3.90 · fair‑value band $0.6400 – $1.07 · the $1.78 price screens above the $0.8500 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

The Marketing Alliance, Inc (MAAL) currently trades at $1.78, while our model-based Fair Value estimate is $0.8500, implying the stock looks roughly 52.3% overvalued today. The Quality Score stands at 68/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, The Marketing Alliance, Inc generated revenue of $21.9M at a net margin of 5.0%. Revenue grew 9.4% year over year. It earns a return on equity of 18.4%. The stock trades on a trailing P/E of 6.0. Fundamentals as of Jul 27, 2026

Our scenario range runs from $0.6400 (bear case) to $1.07 (bull case); at $1.78, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 62% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at -52%, MAAL screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income $0.5900 $0.6200 $0.6400 76
Gordon GGM $0.8000 $0.8500 $0.9300 70
P/E Multiple $0.6400 $0.8500 $1.07 63
All 6 models by family
Dividend Discount
Gordon GGM $0.8000 $0.8500 $0.9300 70
DDM Multi-Stage $0.8000 $0.9200 $1.08 61
Multiples
P/E Multiple $0.6400 $0.8500 $1.07 63
P/B Multiple $0.8000 $1.07 $1.34 55
Asset-Based
NCAV (Graham) $0.3800 $0.5100 $0.7700 50
Economic Profit
Residual Income $0.5900 $0.6200 $0.6400 76

Widest divergence: Dividend Discount ($0.8500) versus Asset-Based ($0.5100). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) $21.9M
Revenue growth (YoY) +9.4%
Net margin 5.0%
Return on equity 18.4%
Free cash flow $1.6M FY2025
P/E ratio 6.0
More key figures
Operating margin 6.0%
EPS (TTM) $0.2850
EPS growth (YoY) -25.1%
Net debt $609K FY2025

Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 68/100

Of which business quality 65 · Market factors (momentum, volatility) 60

Profitability 49
Margins and returns on capital today
Quality Growth 36
Are margins and returns improving?
Cashflow 69
Earnings quality: real cash, not paper profit
Fin. Strength 53
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 36
Calm price path (market factor)
Momentum 74
Price trend over the last 3–12 months (market factor)
52W Momentum 62
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

The Marketing Alliance, Inc. distributes life insurance, annuities, long-term care, and financial products in the United States.

Full company description

The Marketing Alliance, Inc. distributes life insurance, annuities, long-term care, and financial products in the United States. It offers various services, including expert tele-viewing, risk communication, application efficiency, case fulfillment, negotiation advocacy, virtual expansion, case rescues, exclusive benefits, underwriting simplification, annuity access, turn-key program, support program, competitive contracts, carrier advocacy, professional network, in-person conferences, leadership access, and quick quote system. The company distributes its products through a network of carriers. It serves life insurance agents, brokers, and agencies. The company was founded in 1996 and is headquartered in Saint Louis, Missouri.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

The Marketing Alliance, Inc reported revenue of $21.4M in FY2025 versus $32.1M in FY2021, a compound −9.7%/yr. Reported net income was $466K in FY2025, compounding −24.6%/yr from FY2021.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
$21.4M
Latest YoY
+9.1%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−4.2%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−8.3%
Avg. growth/yr (12Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−3.0%
Revenue −9.7%/yr
FY21 $32.1M
FY22 $24.3M
FY23 $17.4M
FY24 $19.6M
FY25 $21.4M
Net income −24.6%/yr
FY21 $1.4M
FY22 $2.6M
FY23 $894K
FY24 $1.0M
FY25 $466K
Character of growth · EPS growth decomposed (2014-2025) +1.9 % p.a.
Revenue per share −3.2 pp

of which total revenue −3.5 pp · buybacks/dilution +0.2 pp

EBIT margin +4.7 pp
Tax rate +4.9 pp
Residual (interest, one-offs) −4.5 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

MAAL screens 52% overvalued. Compare with Marsh & McLennan Companies, Inc →

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Cite: Fair Value Calculator (2026). "The Marketing Alliance, Inc Fair Value". https://www.fairvalue-calculator.com/stock/MAAL

Peer Group

Insurance Brokers · 35 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 67 · Above median
Fair Value upside −52% · Bottom 25%
Return on equity (TTM) 18% · Above median
Return on assets 5% · Above median
Net margin (TTM) 5% · Below median
Operating margin (TTM) 6% · Below median
Revenue growth 9% · Below median

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/E (TTM) 6.0× · Cheaper than 75% of peers
P/B 2.25× · Cheaper than median
P/S (TTM) 0.56× · Cheaper than 75% of peers
P/FCF 7.8× · Pricier than median
EV/EBITDA 8.4× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 0
FUTURE 47 · sector 59
PAST 74 · sector 60
HEALTH 100 · sector 88
DIVIDEND 0 · sector 50

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $182.18 $112.25 -38%
Aon plc AON $367.21 $224.91 -39%
Arthur J. Gallagher & Co AJG $253.09 $75.58 -70%
Willis Towers Watson Public Limited WTW $285.12 $220.92 -23%
Brown & Brown, Inc BRO $67.66 $40.43 -40%
Erie Indemnity Company ERIE $227.31 $157.43 -31%
PB Fintech Limited POLICYBZR ₹1,574 ₹188.49 -88%
Neptune Insurance Holdings NP $31.03 $3.52 -89%
CorVel Corporation CRVL $62.29 $47.59 -24%
Accelerant Holdings ARX $13.52 $18.06 +34%

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Frequently asked questions

Is The Marketing Alliance, Inc (MAAL) overvalued or undervalued?
As of Jul 27, 2026, our model estimates a fair value of $0.8500 versus a price of $1.78, about −52% (overvalued).
What is the fair value of MAAL?
Our model-based fair value for The Marketing Alliance, Inc is $0.8500 (as of Jul 27, 2026), built from audited fundamentals. The current price is $1.78.
What is the quality score of MAAL?
The Marketing Alliance, Inc has a Quality Score of 68/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of The Marketing Alliance, Inc (MAAL)?
The Marketing Alliance, Inc reported trailing-twelve-month revenue of about $21.9M (latest available figure, as of Jul 27, 2026).
What is the net profit margin of MAAL?
The net profit margin of The Marketing Alliance, Inc is about 5.0%, meaning it keeps roughly 5.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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