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Mortgage Advice Bureau (Holdings) (GB:MAB1)
:MAB1
UK Market

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

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GB

Mortgage Advice Bureau (Holdings)

(LSE:MAB1)

Rating:76Outperform
Price Target:
990.00p
▲(11201.37%Upside)
Mortgage Advice Bureau exhibits strong financial performance and positive corporate events, contributing to a favorable outlook. However, the high valuation may pose a risk, tempered by the company's robust cash flow and strategic management actions.

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, together with its subsidiaries, provides mortgage advice services in the United Kingdom. The company provides advice on approximately 16,000 residential and buy-to-let mortgage products through mortgage intermediaries. It also offers advice on protection and general insurance products. Mortgage Advice Bureau (Holdings) PLC has a strategic alliance with Key Group. The company was incorporated in 2000 and is based in Derby, the United Kingdom.
How the Company Makes MoneyMortgage Advice Bureau (Holdings) primarily makes money through commission and fees generated from brokering mortgage deals between clients and lenders. The company partners with numerous lenders, enabling it to offer a broad selection of mortgage products. MAB1 earns a commission from these lenders for each successful mortgage application they facilitate. Additionally, clients may pay advisory fees for the personalized services provided by MAB1's mortgage advisors. These revenue streams are complemented by the company's extensive network of advisors who leverage MAB1's brand and systems to enhance their service offerings, further contributing to the company's earnings.

Mortgage Advice Bureau (Holdings) Financial Statement Overview

Summary
Mortgage Advice Bureau (Holdings) demonstrates strong financial performance with impressive revenue growth and profitability improvements. The balance sheet is stable with a good equity ratio, and cash flow generation is robust. There are areas for improvement, particularly in cost management and liability monitoring, but the company is on a positive financial trajectory.
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
Positive
Last Price8.76
Price Trends
50DMA
8.46
Positive
100DMA
7.99
Positive
200DMA
7.30
Positive
Market Momentum
MACD
0.15
Negative
RSI
55.65
Neutral
STOCH
68.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MAB1, the sentiment is Positive. The current price of 8.76 is above the 20-day moving average (MA) of 8.62, above the 50-day MA of 8.46, and above the 200-day MA of 7.30, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 55.65 is Neutral, neither overbought nor oversold. The STOCH value of 68.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
GBSTB
76
Outperform
£162.16M8.425.59%1.93%19.89%-19.56%
76
Outperform
£496.11M31.0322.10%2.50%11.27%16.57%
68
Neutral
£875.05M0.213.67%-11.82%-54.07%
62
Neutral
AU$9.99B8.0311.67%5.13%32.88%39.55%
61
Neutral
£249.82M-23.29%9.29%1.10%-1831.40%
54
Neutral
£54.02M-16.30%-10.35%18.10%
GBCBG
53
Neutral
$563.61M4.53-6.71%3.73%-172.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MAB1
Mortgage Advice Bureau (Holdings)
8.56
0.09
1.06%
GB:CBG
Close Brothers Group
3.79
-0.99
-20.65%
GB:STB
Secure Trust Bank
8.64
1.19
15.97%
GB:MTRO
Metro Bank
1.30
0.94
261.11%
GB:VANQ
Vanquis Banking Group
0.98
0.49
100.00%
GB:LINV
LendInvest PLC
38.50
10.00
35.09%

Mortgage Advice Bureau (Holdings) Corporate Events

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.

Other
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
May 1, 2025

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

Executive/Board ChangesBusiness Operations and Strategy
Mortgage Advice Bureau Grants Share Options to Executives
Neutral
Apr 30, 2025

Mortgage Advice Bureau (Holdings) plc announced the grant of 408,418 options over ordinary shares to its executive directors and senior executives, with a performance condition tied to earnings growth. Additionally, a one-off grant of 534,660 options was awarded to executives of Fluent Money Limited under a long-term incentive plan. These options, subject to performance conditions, reflect MAB’s strategic focus on aligning management incentives with company performance, potentially impacting its market positioning and shareholder value.

Shareholder Meetings
Mortgage Advice Bureau Announces AGM Details and Correction
Neutral
Apr 29, 2025

Mortgage Advice Bureau (Holdings) plc has announced the publication of its Notice of Annual General Meeting (AGM) on its investor website, with the AGM scheduled for 21 May 2025 in Derby. The announcement also includes a correction to a previous release, indicating the notice has been sent to entitled shareholders separately from the annual report. This update ensures transparency and proper communication with stakeholders, reflecting MAB’s commitment to maintaining clear investor relations.

Regulatory Filings and Compliance
SEB Funds AB Adjusts Stake in Mortgage Advice Bureau
Neutral
Apr 17, 2025

SEB Funds AB, based in Stockholm, Sweden, has acquired or disposed of voting rights in Mortgage Advice Bureau (Holdings) PLC, crossing a threshold on April 16, 2025. This transaction results in SEB Funds AB holding 3.007130% of the voting rights, which could influence the company’s governance and decision-making processes.

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

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Ben Thompson and Paul Gill, have purchased ordinary shares under the company’s Share Incentive Plan. This move, disclosed in compliance with EU Market Abuse Regulation, reflects the directors’ confidence in the company’s future prospects and could positively impact stakeholder sentiment by demonstrating leadership commitment to the company’s growth.

Business Operations and Strategy
MAB Appoints Berenberg as Joint Corporate Broker
Positive
Apr 10, 2025

Mortgage Advice Bureau (Holdings) plc has announced the appointment of Joh. Berenberg, Gossler & Co KG, London as a Joint Corporate Broker, joining Keefe, Bruyette & Woods and Peel Hunt LLP. This strategic move is expected to enhance MAB’s market positioning and strengthen its corporate brokerage capabilities, potentially benefiting stakeholders by improving the company’s access to capital markets and investor relations.

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: Jul 03, 2025