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

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

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GB

Mortgage Advice Bureau (Holdings)

(LSE:MAB1)

Rating:67Neutral
Price Target:
879.00p
▲(6.16%Upside)
Mortgage Advice Bureau (Holdings) shows strong financial performance and positive technical indicators, though valuation concerns present downside risks. The absence of earnings call data limited further insight, but high director confidence and strategic initiatives support a positive outlook.

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.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
266.54M239.53M230.88M188.97M148.30M
Gross Profit
81.90M62.61M58.98M49.95M38.48M
EBIT
24.75M14.01M22.41M22.69M15.41M
EBITDA
32.34M24.31M21.25M23.66M16.42M
Net Income Common Stockholders
15.90M13.47M12.24M18.72M12.38M
Balance SheetCash, Cash Equivalents and Short-Term Investments
4.19M21.94M25.46M34.41M32.98M
Total Assets
160.83M158.38M169.79M82.28M69.02M
Total Debt
18.06M20.99M27.35M2.60M2.69M
Net Debt
13.87M-954.00K1.89M-31.82M-30.29M
Total Liabilities
85.73M83.97M94.35M41.30M31.58M
Stockholders Equity
73.66M70.20M67.90M38.78M35.54M
Cash FlowFree Cash Flow
26.99M21.68M20.50M26.55M17.28M
Operating Cash Flow
30.03M23.74M24.34M26.75M17.58M
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
Neutral
Last Price828.00
Price Trends
50DMA
801.04
Positive
100DMA
778.71
Positive
200DMA
713.73
Positive
Market Momentum
MACD
9.26
Positive
RSI
49.18
Neutral
STOCH
47.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MAB1, the sentiment is Neutral. The current price of 828 is below the 20-day moving average (MA) of 832.90, above the 50-day MA of 801.04, and above the 200-day MA of 713.73, indicating a neutral trend. The MACD of 9.26 indicates Positive momentum. The RSI at 49.18 is Neutral, neither overbought nor oversold. The STOCH value of 47.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:MAB1.

Mortgage Advice Bureau (Holdings) Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
£479.88M30.0122.10%3.57%11.27%16.57%
64
Neutral
$12.77B9.717.85%78.05%12.07%-7.97%
$725.27M5.88-6.71%
GBSTB
74
Outperform
£140.15M7.275.59%2.99%19.89%-19.56%
68
Neutral
£755.17M17.753.67%-11.82%-54.07%
61
Neutral
£218.12M-23.29%9.29%1.10%-1831.40%
54
Neutral
£51.21M-16.30%-10.35%18.10%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MAB1
Mortgage Advice Bureau (Holdings)
828.00
42.74
5.44%
CBGPF
Close Brothers Group
5.20
-0.32
-5.80%
GB:MTRO
Metro Bank
112.20
76.30
212.53%
GB:VANQ
Vanquis Banking Group
86.00
33.80
64.75%
GB:STB
Secure Trust Bank
752.00
-34.85
-4.43%
GB:LINV
LendInvest PLC
36.50
8.00
28.07%

Mortgage Advice Bureau (Holdings) Corporate Events

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.

Shareholder MeetingsFinancial Disclosures
Mortgage Advice Bureau Releases 2024 Annual Report and Announces AGM
Neutral
Apr 4, 2025

Mortgage Advice Bureau (Holdings) plc has released its Annual Report and Accounts for the year ending December 31, 2024, which is now available on its investor website. The company has also announced that its Annual General Meeting will take place on May 21, 2025, in Derby, providing stakeholders with an opportunity to engage with the company’s leadership and discuss its financial performance and strategic direction.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Apr 1, 2025

Mortgage Advice Bureau (Holdings) plc announced that certain directors, including Nathan Imlach, have purchased additional shares in the company, reflecting confidence in its market position. This transaction, conducted on the London Stock Exchange, aligns with the EU Market Abuse Regulation requirements and is expected to reinforce stakeholder trust and potentially influence the company’s stock performance.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Announces Change in Voting Rights Structure
Neutral
Mar 27, 2025

Mortgage Advice Bureau (Holdings) PLC has announced a change in its voting rights structure following an acquisition or disposal by Liontrust Investment Partners LLP. The notification indicates that Liontrust now holds 18.2344% of the voting rights, a slight decrease from the previous 18.3855%. This adjustment in voting rights could impact the company’s governance and decision-making processes, potentially influencing its strategic direction and stakeholder relations.

Executive/Board Changes
Mortgage Advice Bureau Appoints Paul Gill as Executive Director
Neutral
Mar 19, 2025

Mortgage Advice Bureau (Holdings) plc has announced the appointment of Paul Gill as an Executive Director on its Board. Gill, who has over two decades of experience in compliance and risk management, previously served as the Group Chief Risk Officer at MAB. His expertise is expected to guide the company in achieving its medium-term growth targets, reinforcing the importance of compliance and risk management in its operations.

Delistings and Listing ChangesBusiness Operations and StrategyFinancial Disclosures
Mortgage Advice Bureau Reports Strong 2024 Financial Performance and Strategic Growth Initiatives
Positive
Mar 18, 2025

Mortgage Advice Bureau (Holdings) plc reported strong financial results for 2024, with revenue increasing by 11.3% to £266.5 million and adjusted profit before tax rising by 38.0% to £32.0 million. The company continued to invest in technology and digital marketing to drive growth and enhance operational efficiency. MAB’s strategic focus on improving adviser productivity and customer retention has led to increased revenue per adviser and strengthened long-term customer relationships. The company is considering transitioning to the Main Market of the London Stock Exchange to access a broader investor base, which could enhance its market profile.

Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Directors Increase Shareholdings
Positive
Mar 17, 2025

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

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.