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Mobilityone Limited (GB:MBO)
LSE:MBO
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Mobilityone (MBO) AI Stock Analysis

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GB:MBO

Mobilityone

(LSE:MBO)

Rating:38Underperform
Price Target:
1.00p
▼(-9.09% Downside)
Mobilityone's overall stock score is low due to significant financial instability, bearish technical indicators, and poor valuation metrics. The company's high leverage and negative equity are major concerns, compounded by a negative P/E ratio and lack of dividend yield. Technical analysis further indicates a bearish trend, with the stock trading below key moving averages and an oversold RSI.

Mobilityone (MBO) vs. iShares MSCI United Kingdom ETF (EWC)

Mobilityone Business Overview & Revenue Model

Company DescriptionMobilityone (MBO) is a technology-driven company specializing in mobile payments and digital financial services. Operating primarily in the telecommunications and financial technology sectors, Mobilityone offers a suite of products including mobile payment solutions, e-wallet services, and transaction processing platforms aimed at enhancing financial inclusion in emerging markets. The company's services cater to various sectors including retail, e-commerce, and remittances, facilitating seamless cashless transactions for consumers and businesses alike.
How the Company Makes MoneyMobilityone 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 is experiencing significant financial challenges, with declining revenues, negative profitability, and high leverage. The income statement shows a negative net profit margin and declining revenue, while the balance sheet indicates financial instability with a negative equity situation. Although there is some improvement in free cash flow, it is insufficient to cover net income losses.
Income Statement
35
Negative
The income statement reveals a challenging financial position with declining revenue and negative profitability metrics. The gross profit margin is low at 4.82%, and the net profit margin is negative at -1.50%, indicating the company is not profitable. Revenue has decreased by 17.5% compared to the previous year, highlighting a concerning trend. Additionally, both EBIT and EBITDA margins are negative, reflecting operational inefficiencies.
Balance Sheet
20
Very Negative
The balance sheet shows significant financial instability. The debt-to-equity ratio is extremely high at -73.57, indicating a negative equity situation, which is a major red flag. Although the return on equity appears positive at 34.48%, this is misleading due to negative equity. The company has a very low equity ratio, suggesting high leverage and potential solvency issues.
Cash Flow
40
Negative
Cash flow analysis indicates some improvement in free cash flow growth at 172.26%, but the overall cash flow situation remains weak. The operating cash flow to net income ratio is negative, and the free cash flow to net income ratio is slightly above 1, suggesting that while free cash flow is improving, it is still not sufficient to cover net income losses.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue230.63M230.23M241.67M233.76M255.71M246.67M
Gross Profit10.78M11.10M11.93M12.75M13.66M12.96M
EBITDA-2.56M-2.81M-665.43K1.17M2.56M2.81M
Net Income-3.08M-3.45M-1.41M16.63K1.52M1.61M
Balance Sheet
Total Assets15.70M17.07M15.70M12.33M12.55M11.65M
Cash, Cash Equivalents and Short-Term Investments4.41M3.28M4.37M3.25M3.16M1.85M
Total Debt6.76M7.35M4.39M4.07M2.33M3.35M
Total Liabilities14.15M17.18M12.43M7.11M7.71M8.27M
Stockholders Equity1.56M-99.94K3.28M5.23M4.85M3.39M
Cash Flow
Free Cash Flow-690.42K-1.88M-178.62K-1.39M1.54M495.12K
Operating Cash Flow-658.42K-1.76M242.44K-995.29K1.58M644.91K
Investing Cash Flow-520.87K-85.84K-761.07K-393.87K-174.18K-149.79K
Financing Cash Flow1.91M2.46M96.63K1.31M-1.33M-436.57K

Mobilityone Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.10
Price Trends
50DMA
1.20
Negative
100DMA
1.47
Negative
200DMA
1.75
Negative
Market Momentum
MACD
-0.03
Positive
RSI
20.30
Positive
STOCH
47.62
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 1.1 is below the 20-day moving average (MA) of 1.16, below the 50-day MA of 1.20, and below the 200-day MA of 1.75, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 20.30 is Positive, neither overbought nor oversold. The STOCH value of 47.62 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$35.56B8.62-10.46%1.86%8.47%-8.26%
38
Underperform
£1.17M-216.88%-4.74%-143.61%
£1.84M45.001.22%
£2.01M
£1.91M-556.25%
53
Neutral
£2.89M-117.29%-3.60%-729.74%
41
Neutral
£3.89M
46.82%48.15%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MBO
Mobilityone
1.10
-1.65
-60.00%
GB:DSG
Dillistone
9.00
-0.75
-7.69%
GB:SYME
Supply@ME
0.01
0.00
0.00%
GB:SORT
Location Sciences Group Plc
25.00
-46.00
-64.79%
GB:RDT
Rosslyn Data Technologies
3.90
-10.85
-73.56%
GB:AIQ
AIQ Limited
6.00
3.00
100.00%

Mobilityone Corporate Events

Executive/Board ChangesShareholder Meetings
MobilityOne Successfully Passes All AGM Resolutions
Positive
Jul 30, 2025

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.

Business Operations and StrategyFinancial Disclosures
MobilityOne Reports 2024 Financial Results and Strategic Expansions
Negative
Jul 8, 2025

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.

Delistings and Listing ChangesFinancial Disclosures
MobilityOne Delays FY 2024 Report, Faces Trading Suspension
Negative
Jun 30, 2025

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.

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
MobilityOne Faces Revenue Decline Amid Strategic Moves
Negative
Jun 18, 2025

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.

M&A Transactions
MobilityOne Extends Payment Deadline for Sincere Acres Acquisition
Neutral
Jun 2, 2025

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.

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: Aug 30, 2025