Mobilityone (MBO) AI Stock Analysis

• Market Cap: £797.24K
• Dividend Yield: N/A
• Average Volume (3M): 246.31K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.99
• Revenue Growth: 2.20%
• EPS Growth: 5.52%
• Country: UK
• Employees: 127
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 106,298,780
• 10 Day Avg. Volume: 61,542
• 30 Day Avg. Volume: 246,311
• PEG Ratio: >-0.01
• Price to Book (P/B): -21.80
• Price to Sales (P/S): 0.00947
• P/FCF Ratio: -1.16
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 39 Underperform
• Price Target: 0.90p ▲(19.47% Upside)

Mobilityone's overall stock score is low due to significant financial challenges, including negative profitability and high leverage. Technical analysis indicates bearish momentum, and valuation metrics are unattractive. While corporate events show some positive strategic moves, they are insufficient to improve the overall outlook significantly.

Positive Factors

Revenue Growth

Positive revenue growth indicates some recovery and potential for market expansion, supporting long-term business sustainability.

Market Position

Strategic partnerships enhance market position by expanding customer base and transaction volume, crucial for long-term growth.

Earnings Diversification

Diversified revenue streams reduce reliance on any single source, providing stability and resilience against market fluctuations.

Negative Factors

Financial Instability

High leverage indicates potential solvency issues, limiting financial flexibility and increasing risk in economic downturns.

Negative Profitability

Negative profitability and declining margins suggest operational inefficiencies, challenging long-term viability and growth.

Cash Flow Challenges

Negative cash flows indicate difficulty in sustaining operations and investing in growth, impacting long-term business health.

Mobilityone Business Overview & Revenue Model

Company Description

MobilityOne Ltd. is an investment holding company, which engages in the provision of e-commerce infrastructure payment solutions. It operates through the following segments: Telecommunication Services and Electronic Commerce Solutions; and Hardware. Its products and services include value added payment, mobile payment application, payment solutions, enterprise solutions, and messaging and communication. The company was founded on February 8, 2007 and is headquartered in Kuala Lumpur, Malaysia.

How the Company Makes Money

Mobilityone generates revenue through multiple streams, primarily by charging transaction fees for its payment processing services. Each time a consumer makes a payment through its platform or uses its mobile wallet, MBO collects a percentage of the transaction amount. Additionally, the company earns income from partnerships with financial institutions and merchants, where it provides technology solutions and transaction facilitation. This includes monthly subscription fees for businesses that utilize MBO's platform to manage payments and transactions. Significant partnerships with telecom companies and banks also contribute to its earnings, allowing MBO to expand its reach and enhance service offerings. Furthermore, MBO may benefit from strategic alliances that enable cross-border payments and remittance services, tapping into the growing demand for seamless international financial transactions.

Mobilityone Financial Statement Overview

Summary

Mobilityone faces significant financial challenges with negative profitability, high leverage, and cash flow constraints. The income statement shows negative net income and declining margins, while the balance sheet reveals financial instability with a high debt-to-equity ratio. Cash flow analysis indicates negative operating and free cash flows, highlighting cash flow challenges.

Income Statement

Mobilityone's income statement shows a challenging financial performance with negative net income and declining margins. The TTM (Trailing-Twelve-Months) revenue growth rate is positive at 1.17%, indicating some recovery. However, the company struggles with negative EBIT and EBITDA margins, reflecting operational inefficiencies. The gross profit margin is low at 4.55%, suggesting limited pricing power or high cost of goods sold.

Balance Sheet

The balance sheet reveals significant financial instability, with a negative stockholders' equity and a high debt-to-equity ratio of 4.24 in the TTM period, indicating potential solvency issues. The return on equity is negative, reflecting the company's inability to generate profits from shareholders' investments. The equity ratio is also concerning, highlighting a reliance on debt financing.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, with a declining free cash flow growth rate of -25.73% in the TTM period. The operating cash flow to net income ratio is negative, indicating cash flow challenges. However, the free cash flow to net income ratio is slightly positive, suggesting some ability to cover net losses with free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	235.70M	230.23M	241.67M	233.76M	255.71M	246.67M
Gross Profit	11.67M	11.10M	11.93M	12.75M	13.66M	12.96M
EBITDA	-1.54M	-2.81M	-665.43K	899.01K	2.56M	2.81M
Net Income	-2.91M	-3.45M	-1.41M	23.86K	1.52M	1.61M
Balance Sheet
Total Assets	15.21M	17.07M	15.70M	12.33M	12.55M	11.65M
Cash, Cash Equivalents and Short-Term Investments	3.00M	3.28M	4.14M	5.02M	4.93M	4.42M
Total Debt	7.16M	7.35M	4.39M	4.07M	2.33M	3.35M
Total Liabilities	16.47M	17.18M	12.43M	7.11M	7.71M	8.27M
Stockholders Equity	-1.24M	-99.94K	3.28M	5.23M	4.85M	3.39M
Cash Flow
Free Cash Flow	-1.10M	-1.88M	-178.62K	-1.39M	1.54M	495.12K
Operating Cash Flow	-982.75K	-1.76M	242.44K	-995.29K	1.58M	644.91K
Investing Cash Flow	-102.04K	-85.84K	-761.07K	-393.87K	-174.18K	-149.79K
Financing Cash Flow	-159.44K	2.46M	96.63K	1.31M	-1.33M	-436.57K

Mobilityone Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MBO, the sentiment is Negative. The current price of 0.75 is below the 20-day moving average (MA) of 0.85, below the 50-day MA of 1.00, and below the 200-day MA of 1.34, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 9.09 is Positive, neither overbought nor oversold. The STOCH value of 30.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:MBO.

Mobilityone Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
ENET	45 Neutral	£551.75K	-0.05	-203.82%	―	-54.10%	85.53%
EXR	43 Neutral	£2.36M	-0.78	-75.42%	―	-38.77%	-1.67%
AIQ	41 Neutral	£2.27M	-7.14	―	―	-47.47%	12.50%
RDT	39 Underperform	£3.07M	-0.34	-213.44%	―	5.29%	72.50%
MBO	39 Underperform	£797.24K	-0.27	-1799.47%	―	2.20%	5.52%
SORT	38 Underperform	£2.29M	-0.93	-556.25%	―	51.87%	62.47%

Mobilityone Corporate Events

MobilityOne Reports Revenue Growth and Strategic Ventures Amid Challenging Market

MobilityOne reported a 4.9% increase in revenue to £116.0 million for the first half of 2025, attributed to favorable exchange rates. The company’s loss after tax reduced to £1.14 million, with improvements in gross profit margins and lower administrative expenses. Despite a challenging business environment, MobilityOne is optimistic about its strategic joint venture with Super Apps, which is expected to enhance its financial position and growth prospects. The company is also expanding into the health technology sector, leveraging its expertise in payment solutions to streamline healthcare services.

MobilityOne Extends Payment Deadline for Sincere Acres Acquisition

MobilityOne Limited announced an extension for the payment deadline of the second tranche in its acquisition of a 49% equity interest in Sincere Acres Sdn Bhd. The new deadline is set for 30 November 2025, with accrued interest to be paid in three monthly installments. This extension allows MobilityOne to manage its financial obligations while maintaining the terms of the acquisition, which could impact its financial strategy and stakeholder relations.