Mobilityone (MBO) AI Stock Analysis

• Market Cap: £7.44M
• Dividend Yield: N/A
• Average Volume (3M): 246.31K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.50
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: 7.50p ▲(114.29% Upside)

Overall score is held down primarily by poor financial health (losses, weak margins, negative cash flows, and negative equity/high leverage). Technicals provide some support due to strong upward momentum, but the extremely overbought RSI increases reversal risk. Valuation is hard to justify with a negative P/E and no dividend support.

Positive Factors

Diversified revenue model & partnerships

Mobilityone's mix of transaction fees, subscription revenue and strategic alliances with telecoms and banks builds durable distribution and monetization channels. These partnerships expand reach, lower customer acquisition costs and support long-term adoption across markets.

Modest but positive revenue growth

Consistent, if modest, top-line growth indicates ongoing product uptake and market traction. Over a 2–6 month horizon this supports revenue base stability and provides a foundation for operational leverage if management can improve margins or scale higher-margin services.

Some free cash flow coverage

Despite overall cash flow challenges, a slightly positive free cash flow to net income ratio suggests pockets of cash generation. This can provide limited runway to fund operations or strategic initiatives without immediate reliance on dilutive equity, if sustained or improved.

Negative Factors

Very low gross margin

A 4.55% gross margin indicates weak pricing power or high direct costs, constraining the company's ability to cover operating expenses and invest in growth. Structurally low margins make sustainable profitability difficult without substantial product or cost-structure changes.

Negative operating and free cash flows

Persistent negative operating and free cash flows reduce liquidity and increase dependence on external financing. Over months this limits capacity to invest in product development or scale marketing, raising the risk that growth initiatives cannot be funded organically.

High leverage and negative equity

Negative shareholders' equity and a D/E of 4.24 indicate structural solvency risk and limited financial flexibility. High leverage raises interest burden and refinancing risk, constraining strategic options and elevating the chance of distress if cash flows don't improve.

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: Positive
• Last Price: 3.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MBO, the sentiment is Positive. The current price of 3.5 is above the 20-day moving average (MA) of 3.17, above the 50-day MA of 1.87, and above the 200-day MA of 1.52, indicating a bullish trend. The MACD of 1.92 indicates Negative momentum. The RSI at 70.88 is Negative, neither overbought nor oversold. The STOCH value of 61.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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%
MBO	46 Neutral	£7.44M	-3.10	-1799.47%	―	2.20%	5.52%
ENET	45 Neutral	£531.69K	-0.05	-203.82%	―	-54.10%	85.53%
EXR	43 Neutral	£1.84M	-0.57	-75.42%	―	-38.77%	-1.67%
AIQ	41 Neutral	£2.27M	-7.14	―	―	-47.47%	12.50%
RDT	39 Underperform	£2.44M	-0.34	-213.44%	―	5.29%	72.50%
SORT	38 Underperform	£2.29M	-0.93	-556.25%	―	51.87%	62.47%

Mobilityone Corporate Events

MobilityOne Wins Conditional Nod for Islamic Digital Bank in Labuan

MobilityOne has secured conditional approval from the Labuan Financial Services Authority for its Malaysian subsidiary to establish MBO Bank (Labuan) Limited, an Islamic digital bank in Labuan, expanding the Group’s fintech ecosystem beyond payment processing and e-money into full-scale Shariah-compliant digital banking. The bank is intended to offer a comprehensive suite of offshore digital financial services – including digital deposits, Islamic financing and cross-border corporate solutions – to international clients under Labuan’s Islamic digital banking framework, though the company does not expect any revenue contribution in 2026 while it focuses on meeting stringent capital, governance and operational conditions and engaging potential strategic partners and investors, positioning MobilityOne to tap into the growing global market for Islamic and digital banking over the longer term.

The most recent analyst rating on (GB:MBO) stock is a Sell with a £0.90 price target. To see the full list of analyst forecasts on Mobilityone stock, see the GB:MBO Stock Forecast page.

MobilityOne Secures Extension for Sincere Acres Payment

MobilityOne Limited has 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 28 February 2026, with accrued interest to be paid in installments. This extension allows MobilityOne to manage its financial obligations while maintaining the terms of the acquisition, potentially stabilizing its market position and reassuring stakeholders of its commitment to the deal.

The most recent analyst rating on (GB:MBO) stock is a Sell with a £0.90 price target. To see the full list of analyst forecasts on Mobilityone stock, see the GB:MBO Stock Forecast page.