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mF International Limited
(NASDAQ:MFI)
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Select Model
Rating:44Neutral
Price Target:
$36.00
▲(90.58% Upside)
Action:Reiterated
Date:10/15/25
The overall stock score is sharply constrained by extremely weak financial performance, including deep operating losses, negative cash flow, and rapid deterioration in profitability. Technical trends are stable but not bullish, offering only mild support. Valuation reflects high risk and lack of earnings. While the current balance sheet is liquid, this is due to external financing and does not offset significant operating risks. No positive catalysts or events have been disclosed.
Positive Factors
Business Model Innovation
MFI's diverse fintech offerings enhance financial accessibility and efficiency, positioning it well in the growing digital payments sector.
Negative Factors
Declining Revenue and Profitability
Decreasing revenue and profitability indicate operational challenges, potentially undermining long-term financial stability and growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Business Model Innovation
MFI's diverse fintech offerings enhance financial accessibility and efficiency, positioning it well in the growing digital payments sector.
Read all positive factors
mF International Limited (MFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$396.39M
Dividend YieldN/A
Average Volume (3M)51.30K
Price to Earnings (P/E)―
Beta (1Y)2.91
Revenue Growth29.76%
EPS GrowthN/A
CountryUS
Employees33
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)N/A
Shares Outstanding49,045,597
10 Day Avg. Volume25,068
30 Day Avg. Volume51,300
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.20
Price to Sales (P/S)24.13
P/FCF Ratio-44.49
Enterprise Value/Market Cap0.24
Enterprise Value/Revenue2.78
Enterprise Value/Gross Profit11.22
Enterprise Value/Ebitda-3.27
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
mF International Limited Business Overview & Revenue Model
Company Description
Operating as a holding company, mF International Limited (MFI) specializes in the development and commercialization of financial trading solutions. These solutions are delivered either online or as a Platform-as-a-Service (PaaS), serving markets a...
How the Company Makes Money
MFI generates revenue primarily through transaction fees charged on digital payments processed through its platform. The company leverages its digital wallets and mobile payment solutions to facilitate transactions for both individual consumers an...
mF International Limited Financial Statement Overview
Summary
Income Statement
12
Very Negative
Balance Sheet
69
Positive
Cash Flow
10
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 33.82M | 26.09M | 31.96M | 34.93M | 32.21M |
| Gross Profit | 10.02M | 12.30M | 17.97M | 18.42M | 15.95M |
| EBITDA | -25.03M | -13.26M | 6.82M | 7.76M | 10.79M |
| Net Income | 78.74M | -20.21M | 6.63M | 6.82M | 10.35M |
Balance Sheet | |||||
| Total Assets | 4.04B | 58.31M | 33.85M | 34.54M | 33.34M |
| Cash, Cash Equivalents and Short-Term Investments | 3.89B | 20.00M | 7.15M | 14.04M | 17.13M |
| Total Debt | 5.81M | 7.62M | 12.89M | 15.38M | 16.47M |
| Total Liabilities | 26.33M | 22.39M | 22.11M | 24.11M | 25.86M |
| Stockholders Equity | 4.01B | 35.91M | 11.74M | 10.43M | 7.48M |
Cash Flow | |||||
| Free Cash Flow | -18.34M | -30.31M | 4.01M | 13.45M | 5.47M |
| Operating Cash Flow | -15.87M | -21.88M | 11.32M | 13.50M | 12.73M |
| Investing Cash Flow | 1.37M | -8.43M | -5.69M | -2.13M | -11.35M |
| Financing Cash Flow | 216.38M | 45.49M | -10.89M | -9.40M | -10.64M |
mF International Limited Technical Analysis
Negative
18.89
Price Trends
8.78
Negative
9.97
Negative
14.49
Negative
Market Momentum
-0.17
Positive
44.13
Neutral
45.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFI, the sentiment is Negative. The current price of 18.89 is above the 20-day moving average (MA) of 8.53, above the 50-day MA of 8.78, and above the 200-day MA of 14.49, indicating a bearish trend. The MACD of -0.17 indicates Positive momentum. The RSI at 44.13 is Neutral, neither overbought nor oversold. The STOCH value of 45.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MFI.
mF International Limited Risk Analysis
mF International Limited disclosed 37 risk factors in its most recent earnings report. mF International Limited reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
mF International Limited Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $50.83M | 28.56 | 4.81% | ― | 12.37% | 615.79% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
54 Neutral | $24.52M | -10.36 | -20.72% | ― | -8.52% | -105.92% | |
45 Neutral | $18.15M | -0.76 | -135.31% | ― | ― | ― | |
44 Neutral | $396.39M | -10.01 | 3.89% | ― | 29.76% | ― | |
42 Neutral | $5.43M | -0.11 | 356.16% | ― | 55.81% | 30.17% |
* Technology Sector Average
MFI
mF International Limited
8.16
-15.14
-64.98%
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YXT
YXT.COM Group Holding Limited Sponsored ADR
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BLIV
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-13.04%
mF International Limited Corporate Events
mF International Faces Nasdaq Filing Deficiency Over Delayed 2025 Form 20-F
May 22, 2026
mF International Limited, a British Virgin Islands holding company with Hong Kong-based operations, focuses on delivering software-as-a-service financial trading solutions through its m-FINANCE subsidiary. The group is also expanding into digital ...
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.