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Mortgage Advice Bureau (Holdings) (GB:MAB1)
:MAB1
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Mortgage Advice Bureau (Holdings) (MAB1) AI Stock Analysis

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GB:MAB1

Mortgage Advice Bureau (Holdings)

(LSE:MAB1)

Rating:73Outperform
Price Target:
903.00p
▲(11.48% Upside)
Mortgage Advice Bureau (Holdings) shows a strong financial performance and positive corporate events, which are the most significant factors driving the score. Technical analysis indicates a neutral to slightly bearish trend, while valuation suggests the stock may be overvalued. The absence of earnings call data limits insights into future guidance.

Mortgage Advice Bureau (Holdings) (MAB1) vs. iShares MSCI United Kingdom ETF (EWC)

Mortgage Advice Bureau (Holdings) Business Overview & Revenue Model

Company DescriptionMortgage Advice Bureau (Holdings) PLC, often abbreviated as MAB, is a UK-based company operating in the financial services sector. It specializes in providing mortgage advice and related financial services through a network of advisers. MAB offers a wide range of mortgage products and insurance services, serving both individuals and businesses, and is known for its personalized advice aimed at finding the right mortgage solutions for its clients.
How the Company Makes MoneyMortgage Advice Bureau makes money primarily through commission-based revenue models. The company earns commissions from lenders for facilitating mortgage agreements between borrowers and financial institutions. Additionally, MAB generates revenue from providing insurance products and other financial services, often earning fees or commissions from insurance providers. Strategic partnerships with banks, building societies, and insurance companies play a significant role in its revenue generation, enhancing its ability to offer a comprehensive suite of financial products. Its network of advisers, operating under a franchise or employed model, also contributes to the company's earnings by expanding its market reach and customer base.

Mortgage Advice Bureau (Holdings) Financial Statement Overview

Summary
The company's financial performance is strong with robust revenue growth and improved profitability metrics. The balance sheet is solid, with a manageable debt-to-equity ratio and effective use of shareholder funds. Cash flow generation is also strong, although there are areas for improvement in cost management and liability monitoring.
Income Statement
82
Very Positive
The company has shown strong revenue growth, with a notable increase from the previous period. The gross profit margin and EBIT margin have both improved, indicating enhanced operational efficiency. The net profit margin has also increased, showcasing better profitability. However, the growth rate of net income is moderate, suggesting room for improvement in cost management.
Balance Sheet
75
Positive
The balance sheet reflects a healthy equity ratio, indicating a solid capital structure. The debt-to-equity ratio is manageable, suggesting the company is not overly reliant on debt financing. Return on equity has improved, signaling effective use of shareholder funds. However, there is a slight increase in liabilities, which needs monitoring to ensure continued financial stability.
Cash Flow
78
Positive
Cash flow analysis reveals a robust growth in free cash flow, demonstrating the company's strong cash generation capabilities. The operating cash flow to net income ratio indicates effective conversion of earnings into cash. However, the free cash flow to net income ratio suggests potential reinvestment opportunities that could be explored further.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue266.54M239.53M230.88M188.97M148.30M
Gross Profit81.90M62.61M58.98M49.95M38.48M
EBITDA32.34M24.31M21.25M23.66M16.42M
Net Income15.90M13.47M12.24M18.72M12.38M
Balance Sheet
Total Assets160.83M158.38M169.79M82.28M69.02M
Cash, Cash Equivalents and Short-Term Investments4.19M21.94M25.46M34.41M32.98M
Total Debt18.06M20.99M27.35M2.60M2.69M
Total Liabilities85.73M83.97M94.35M41.30M31.58M
Stockholders Equity73.66M70.20M67.90M38.78M35.54M
Cash Flow
Free Cash Flow26.99M21.68M20.50M26.55M17.28M
Operating Cash Flow30.03M23.74M24.34M26.75M17.58M
Investing Cash Flow-5.04M-2.52M-54.21M-7.38M-2.65M
Financing Cash Flow-23.26M-24.74M20.92M-17.94M-2.82M

Mortgage Advice Bureau (Holdings) Technical Analysis

Technical Analysis Sentiment
Negative
Last Price810.00
Price Trends
50DMA
834.40
Negative
100DMA
805.05
Negative
200DMA
746.71
Positive
Market Momentum
MACD
-10.14
Positive
RSI
42.98
Neutral
STOCH
30.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MAB1, the sentiment is Negative. The current price of 810 is below the 20-day moving average (MA) of 810.70, below the 50-day MA of 834.40, and above the 200-day MA of 746.71, indicating a neutral trend. The MACD of -10.14 indicates Positive momentum. The RSI at 42.98 is Neutral, neither overbought nor oversold. The STOCH value of 30.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:MAB1.

Mortgage Advice Bureau (Holdings) Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
£469.45M28.7822.10%3.08%11.27%16.57%
62
Neutral
C$15.25B6.9419.04%5.61%33.32%-34.51%
$1.04B5.88-6.71%
74
Outperform
£203.16M10.595.59%2.88%19.89%-19.56%
68
Neutral
£842.89M7.148.27%-11.82%-54.07%
61
Neutral
£258.19M-23.29%9.29%1.10%-1831.40%
54
Neutral
£58.23M-2.59%-10.35%18.10%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MAB1
Mortgage Advice Bureau (Holdings)
810.00
-27.22
-3.25%
CBGPF
Close Brothers Group
5.62
-0.40
-6.64%
GB:MTRO
Metro Bank
125.20
68.60
121.20%
GB:VANQ
Vanquis Banking Group
101.80
48.80
92.08%
GB:STB
Secure Trust Bank
1,090.00
282.24
34.94%
GB:LINV
LendInvest PLC
41.50
12.00
40.68%

Mortgage Advice Bureau (Holdings) Corporate Events

Other
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Jul 31, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Nathan Imlach, have purchased additional shares in the company. This transaction, conducted on the London Stock Exchange, reflects a potential vote of confidence in the company’s future by its leadership. The purchase may have implications for the company’s market perception and stakeholder confidence, as it signals a commitment from the management to the company’s growth and stability.

Business Operations and StrategyFinancial Disclosures
Mortgage Advice Bureau Reports Strong H1 2025 Performance with Revenue and Market Share Growth
Positive
Jul 24, 2025

Mortgage Advice Bureau (Holdings) plc reported a 19% increase in group revenue for the first half of 2025, reaching approximately £147 million, with adjusted profit before tax growing by 14%. The company saw a 14% rise in gross mortgage completions, partly due to changes in Stamp Duty Land Tax relief, and increased its market share of new mortgage lending to 8.3%. The number of mainstream advisers grew by 5%, and average revenue per adviser increased by 14%. The company anticipates a gradual recovery in purchase activity and expects refinancing to accelerate in the latter half of 2025. The Financial Conduct Authority’s initiatives are expected to support first-time buyers and simplify refinancing, which should positively impact the housing and mortgage market.

Business Operations and Strategy
Mortgage Advice Bureau Boosts Employee Incentives with Share Purchase
Positive
Jul 22, 2025

Mortgage Advice Bureau (Holdings) plc announced that its Employee Benefit Trust (EBT) has purchased 294 ordinary shares at 814 pence each to satisfy share awards under the company’s Share Incentive Plan. This move is part of the company’s strategy to incentivize and reward its employees, including directors, and reflects its commitment to employee engagement and retention.

Other
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Jul 17, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Deputy Chief Executive Officer Ben Thompson and Group Chief Risk Officer Paul Gill, have purchased ordinary shares in the company. This move, disclosed under UK Market Abuse Regulation, reflects a potential vote of confidence in the company’s prospects by its leadership. The transactions were conducted on the London Stock Exchange, with both directors acquiring shares at a price of 808.00p each. Such purchases might impact the company’s market perception positively, indicating strong internal belief in its future performance.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Announces Change in Voting Rights Structure
Neutral
Jul 16, 2025

Mortgage Advice Bureau (Holdings) PLC has announced a change in its voting rights structure following an acquisition or disposal by Octopus Investments Limited. The transaction resulted in Octopus Investments holding 8.99% of the voting rights in the company, a slight decrease from the previous 9.11%. This adjustment in voting rights could influence the company’s governance and decision-making processes, potentially impacting its strategic direction.

Product-Related AnnouncementsBusiness Operations and Strategy
Mortgage Advice Bureau Launches Campaign to Educate First-Time Buyers on Homeownership Benefits
Positive
Jul 9, 2025

Mortgage Advice Bureau (Holdings) plc has launched a nationwide educational campaign targeting first-time homebuyers, supported by new research highlighting the potential financial benefits of homeownership over renting. The research, conducted between April and May 2025, suggests that homeowners could save significantly on monthly costs and build long-term wealth through equity accumulation and reinvestment. Despite these advantages, a significant portion of renters remain skeptical about their ability to afford a home due to high property prices and deposit challenges. The campaign aims to address these concerns by providing educational resources and tools through MAB’s extensive adviser network, helping renters understand their options and move towards homeownership.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Business Operations and Strategy
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Jul 3, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, or their connected parties, have purchased ordinary shares in the company. This transaction, conducted in accordance with UK Market Abuse Regulation, reflects a potential increase in confidence from the company’s leadership, which could positively impact stakeholder perceptions and the company’s market position.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Regulatory Filings and Compliance
Mortgage Advice Bureau Announces Change in Voting Rights Structure
Neutral
Jun 27, 2025

Mortgage Advice Bureau (Holdings) PLC announced a change in its voting rights structure due to Liontrust Investment Partners LLP’s acquisition or disposal of voting rights. The notification indicates that Liontrust’s total voting rights have decreased from 18.2344% to 17.0419%, reflecting a shift in shareholder influence that could impact future corporate decisions.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Mortgage Advice Bureau Announces Key Board Changes and Appointments
Positive
Jun 19, 2025

Mortgage Advice Bureau (Holdings) plc has announced significant board changes, including the transition of Deputy CEO Ben Thompson to a new strategic role and the appointment of Yaiza Luengo as Chief Operating Officer. These changes are aimed at optimizing MAB’s mortgage opportunities and strengthening its customer proposition. Additionally, Mandy Donald and Dr. Orlando Machado have been appointed as Independent Non-Executive Directors, bringing extensive experience in financial services and data science to the board. These appointments are expected to enhance MAB’s strategic decision-making and support its medium-term growth targets.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Business Operations and Strategy
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Jun 18, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Deputy CEO Ben Thompson and Group Chief Risk Officer Paul Gill, have purchased ordinary shares in the company. This transaction, conducted under the company’s Share Incentive Plan, indicates a potential increase in confidence from the management team in the company’s future prospects, possibly impacting stakeholder perceptions and the company’s market positioning.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Regulatory Filings and Compliance
Mortgage Advice Bureau Updates Voting Rights Structure
Neutral
Jun 11, 2025

Mortgage Advice Bureau (Holdings) PLC has announced a change in its voting rights structure following an acquisition or disposal of shares by Kayne Anderson Rudnick Investment Management, LLC. The transaction resulted in a decrease in the voting rights held by the investment management firm, from 4.539070% to 3.637510%, impacting the company’s shareholder composition and potentially influencing its governance dynamics.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Other
Directors of Mortgage Advice Bureau Increase Shareholdings
Positive
Jun 3, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Nathan Imlach, have purchased additional ordinary shares of the company. This transaction, conducted on the London Stock Exchange, reflects ongoing confidence in the company’s market position and future prospects, potentially impacting stakeholder perceptions positively.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
May 30, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Deputy CEO Ben Thompson and Group Chief Risk Officer Paul Gill, have purchased additional shares in the company. This move, disclosed in compliance with UK Market Abuse Regulation, may indicate confidence in the company’s future prospects and could positively influence stakeholder perception.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
Mortgage Advice Bureau Sees Continued Growth Amidst Market Recovery
Positive
May 21, 2025

Mortgage Advice Bureau (Holdings) plc reports strong mortgage activity continuing into 2025, driven by declining borrowing costs and mortgage rates, alongside increased property transactions ahead of changes to Stamp Duty Land Tax relief. The company anticipates a boost in refinancing in the latter half of 2025 as numerous fixed-term mortgages mature. The number of mainstream advisers has grown, reflecting confidence in the housing market’s recovery. MAB supports government and regulatory initiatives aimed at promoting responsible lending and simplifying mortgage rules, which are expected to aid first-time buyers and foster sustainable growth.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Regulatory Filings and Compliance
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
May 16, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Deputy CEO Ben Thompson and Group Chief Risk Officer Paul Gill, have purchased ordinary shares in the company. This transaction, conducted under the Mortgage Advice Bureau Share Incentive Plan, reflects a commitment from the company’s leadership and could signal confidence in the company’s future prospects. The purchases were made on the London Stock Exchange, AIM, and are part of regulatory disclosures required by the UK Market Abuse Regulation.

The most recent analyst rating on (GB:MAB1) stock is a Buy with a £1050.00 price target. To see the full list of analyst forecasts on Mortgage Advice Bureau (Holdings) stock, see the GB:MAB1 Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Announces Change in Voting Rights
Neutral
May 6, 2025

Mortgage Advice Bureau (Holdings) PLC has announced a change in the voting rights held by Kayne Anderson Rudnick Investment Management, LLC, which now holds 4.539070% of the company’s voting rights, down from a previous position of 5.087760%. This adjustment in voting rights could influence the company’s governance and decision-making processes, potentially impacting its strategic direction and stakeholder interests.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 06, 2025