Mobilityone (MBO) AI Stock Analysis

• Market Cap: £1.28M
• Dividend Yield: N/A
• Average Volume (3M): 246.31K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.43
• 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: £1.50
• Price Target Upside: 25.00% Upside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 1

• Rating: 40 Underperform
• Price Target: 1.50p ▲(25.00% Upside)

Mobilityone's overall stock score is primarily impacted by its challenging financial performance, characterized by negative profitability and high leverage. The technical analysis also indicates bearish trends, while the valuation is unattractive due to a negative P/E ratio and lack of dividend yield.

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 including transaction fees from its payment processing services, subscription fees for its e-wallet services, and commissions from partnerships with merchants and service providers. The company also earns income from value-added services such as loyalty programs and marketing solutions that it offers to businesses within its network. Significant partnerships with telecom operators, financial institutions, and retail chains further enhance its earnings by expanding its customer base and transaction volume.

Mobilityone Financial Statement Overview

Summary

Mobilityone faces significant financial challenges with negative profitability, high leverage, and cash flow constraints. Despite some revenue growth, the company's margins and equity position are concerning, indicating a precarious financial health.

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	1.17M	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: Neutral
• Last Price: 1.20
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MBO, the sentiment is Neutral. The current price of 1.2 is above the 20-day moving average (MA) of 1.14, above the 50-day MA of 1.12, and below the 200-day MA of 1.59, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 56.01 is Neutral, neither overbought nor oversold. The STOCH value of 47.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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%
RDT	53 Neutral	£2.44M	―	―	―	-3.60%	-729.74%
SORT	45 Neutral	£2.29M	―	-556.25%	―	51.87%	62.47%
AIQ	41 Neutral	£3.89M	―	―	―	-47.47%	12.50%
MBO	40 Underperform	£1.28M	―	-1799.47%	―	2.20%	5.52%

Mobilityone Corporate Events

MobilityOne Successfully Passes All AGM Resolutions

MobilityOne Limited announced the successful passage of all resolutions at its recent annual general meeting, including the re-election of several directors and the appointment of Kreston Reeves LLP as auditors. This outcome reflects strong shareholder support and positions the company to continue its strategic initiatives in the e-commerce infrastructure payment solutions sector.

MobilityOne Reports 2024 Financial Results and Strategic Expansions

MobilityOne Limited has announced its audited results for the year ending 31 December 2024, revealing a 4.74% decline in revenue to £230.23 million and a loss after tax of £3.45 million. The company attributes these results to softer demand in its main market of Malaysia, increased administrative and marketing expenses, and losses from its associated company. Despite these challenges, MobilityOne is expanding its international remittance services and entering the health technology sector, while also initiating a joint venture to enhance its e-products and services business. The lifting of the suspension of trading on AIM and regulatory approval for operations in Brunei are expected to positively impact the company’s future operations.

MobilityOne Delays FY 2024 Report, Faces Trading Suspension

MobilityOne Limited has announced a delay in the publication of its audited annual report and accounts for the year ended December 31, 2024, due to additional time required by auditors in the UK. This delay will result in the suspension of trading of the company’s ordinary shares on AIM from July 1, 2025, until the accounts are published, expected in July 2025. The company will provide further updates as necessary.

MobilityOne Faces Revenue Decline Amid Strategic Moves

MobilityOne Limited has reported a decline in revenue to £230.2 million for FY 2024, primarily due to reduced demand in its core Malaysian market. The company also experienced an increased loss after tax of £3.45 million, attributed to lower sales and higher expenses. Despite the challenging business environment, MobilityOne is implementing initiatives to improve its performance and is involved in significant transactions, including the disposal of a subsidiary and a joint venture, which could impact its future financial position. The completion of these transactions is contingent on a merger exercise, which remains uncertain.

MobilityOne Extends Payment Deadline for Sincere Acres Acquisition

MobilityOne Limited has announced an extension for the payment of the second tranche in its acquisition of a 49% equity interest in Sincere Acres Sdn Bhd. The payment deadline has been extended to 31 August 2025, with accrued interest to be paid in installments. This extension allows MobilityOne more time to fulfill its financial obligations without altering the original acquisition terms, potentially stabilizing its financial planning and maintaining its strategic position in the market.