mF International Limited (MFI) AI Stock Analysis

• Market Cap: $37.80M
• Dividend Yield: N/A
• Average Volume (3M): 51.30K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.96
• Revenue Growth: -4.91%
• EPS Growth: -2400.34%
• Country: US
• Employees: 34
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -0.20
• Shares Outstanding: 525,597
• 10 Day Avg. Volume: 25,068
• 30 Day Avg. Volume: 51,300
• PEG Ratio: <0.01
• Price to Book (P/B): 1.85
• Price to Sales (P/S): 2.54
• P/FCF Ratio: -2.19
• Enterprise Value/Market Cap: 0.24
• Enterprise Value/Revenue: 0.32
• Enterprise Value/Gross Profit: 0.75
• Enterprise Value/Ebitda: -0.34
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 48 Neutral
• Price Target: $37.00 ▲(107.52% Upside)

MFI's overall stock score is primarily impacted by its weak financial performance and valuation concerns. The technical analysis provides some support, but the lack of profitability and negative cash flows are significant risks.

Positive Factors

Business Model Innovation

MFI's diverse fintech offerings enhance financial accessibility and efficiency, positioning it well in the growing digital payments sector.

Strategic Partnerships

Partnerships with major platforms expand MFI's reach and transaction volume, supporting long-term revenue growth and market penetration.

Expansion into Investment Management

Diversifying into investment management could provide new revenue streams and mitigate risks associated with relying solely on digital payments.

Negative Factors

Declining Revenue and Profitability

Decreasing revenue and profitability indicate operational challenges, potentially undermining long-term financial stability and growth.

Negative Cash Flows

Negative cash flows highlight inefficiencies in operations and could strain liquidity, affecting the company's ability to invest in growth.

Rising Debt Levels

Increased debt levels can limit financial flexibility and elevate risk, impacting MFI's ability to navigate economic uncertainties.

mF International Limited Business Overview & Revenue Model

Company Description

mF International Limited, a holding company, engages in the research and development, and sale of financial trading solutions through the Internet or as a platform as a service in Hong Kong, mainland China, and Southeast Asia. It offers real-time mission critical forex, bullion/commodities trading platform solutions, financial value-added services, mobile applications, and financial information for brokers and institutional clients; and various services, including mF4 trading platform, bridge and plugins, customer relationship management system, electronic communication network system, liquidity solutions, cross-platform Broker+ solution, social trading applications, and other value-added services. The company also provides liquidity providers related services and other financial value-added services; and engages in the business of algorithm trading research and development, and investment activities. It serves financial institutions, including brokers, investment banks, institutional clients, liquidity providers, and financial services providers. The company was founded in 2002 and is headquartered in Wan Chai, Hong Kong. mF International Limited operates as a subsidiary of Gaderway Investments Limited.

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 and businesses, earning a percentage-based fee on each transaction. Additionally, MFI partners with financial institutions to offer white-label solutions, which provide a steady stream of licensing and service fees. Strategic partnerships with e-commerce platforms and retail chains also contribute to its earnings by integrating MFI's payment solutions, further expanding its reach and transaction volume. The company continuously invests in enhancing its technology platforms to maintain competitiveness and attract a growing user base, which in turn drives increased transaction-based revenue.

mF International Limited Financial Statement Overview

Summary

MFI is experiencing financial difficulties with declining revenues and profitability, negative cash flows, and increased debt. Despite a stable balance sheet, these challenges significantly impact the company's financial health.

Income Statement

The income statement reflects significant volatility with a sharp decline in revenue and profitability. The company experienced a negative revenue growth rate from 2023 to 2024, with net income turning negative in 2024. Gross profit margin decreased, and both EBIT and EBITDA margins turned negative, indicating operational challenges and declining profitability.

Balance Sheet

The balance sheet shows a relatively stable equity position with a moderate debt-to-equity ratio. However, the decline in stockholders' equity from 2023 to 2024 raises concerns. The equity ratio remains healthy, indicating a solid asset base relative to liabilities, but the increase in total debt is a potential risk factor.

Cash Flow

Cash flow analysis reveals a concerning trend with negative operating and free cash flows in 2024. The free cash flow growth rate is negative, indicating cash flow challenges. The operating cash flow to net income ratio is unfavorable, highlighting inefficiencies in converting income to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	28.68M	26.09M	31.96M	34.93M	32.21M	35.19M
Gross Profit	12.37M	12.30M	17.97M	18.42M	15.95M	15.02M
EBITDA	-26.91M	-13.26M	6.82M	7.76M	10.79M	9.41M
Net Income	-28.36M	-20.21M	6.63M	6.82M	10.35M	11.68M
Balance Sheet
Total Assets	43.74M	58.31M	33.85M	34.54M	33.34M	38.85M
Cash, Cash Equivalents and Short-Term Investments	13.22M	20.00M	7.15M	14.04M	17.13M	22.98M
Total Debt	4.92M	7.62M	12.89M	15.38M	16.47M	15.42M
Total Liabilities	21.51M	22.39M	22.11M	24.11M	25.86M	28.70M
Stockholders Equity	22.23M	35.91M	11.74M	10.43M	7.48M	10.15M
Cash Flow
Free Cash Flow	-7.29M	-30.31M	4.01M	13.45M	5.47M	23.66M
Operating Cash Flow	-6.80M	-21.88M	11.32M	13.50M	12.73M	23.66M
Investing Cash Flow	-6.58M	-8.43M	-5.69M	-2.13M	-11.35M	-4.80M
Financing Cash Flow	-4.26M	45.49M	-10.89M	-9.40M	-10.64M	-4.01M

mF International Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 17.83
• 50DMA: Negative
• 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 MFI, the sentiment is Negative. The current price of 17.83 is below the 20-day moving average (MA) of 19.28, below the 50-day MA of 27.05, and below the 200-day MA of 21.99, indicating a bearish trend. The MACD of -2.49 indicates Negative momentum. The RSI at 44.74 is Neutral, neither overbought nor oversold. The STOCH value of 50.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MFI.

mF International Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NTWK	62 Neutral	$35.51M	73.96	1.40%	―	7.70%	-36.01%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
YXT	50 Neutral	$61.58M	20.02	―	―	―	―
MFI	48 Neutral	$37.80M	-10.38	-78.21%	―	-4.91%	-2400.34%
SURG	47 Neutral	$37.03M	―	-313.72%	―	-39.75%	-89.61%
INLX	45 Neutral	$41.66M	-22.61	-15.71%	―	-7.76%	-291.41%

mF International Limited Corporate Events

mF International Limited Reports Mid-Year Financials and Expands into Investment Management

On October 2, 2025, mF International Limited released its unaudited condensed consolidated financial statements for the six months ending June 30, 2025. The company highlighted its plans to reorganize its business by establishing two new subsidiaries, CAT Strategy Limited and Master Info Limited, on August 15, 2025, to expand into investment management. The company’s operations are closely tied to the financial trading industry in Hong Kong, and it faces challenges such as competition and the need to retain skilled workers. Despite these challenges, mF International is focused on enhancing its financial trading solutions to maintain its market position.

mF International Secures $1 Million Loan from Fire Lucky

On August 26, 2025, mF International Limited, a company based in Hong Kong, entered into a significant financial agreement with its controlling shareholder, Fire Lucky Investment Co., Ltd. The agreement involves an unsecured term loan of $1,000,000, bearing an interest rate of 5% per annum, with a maturity date set for December 25, 2025. This related party transaction was approved by the company’s audit committee and board of directors on August 25, 2025. The loan agreement aims to bolster the company’s financial position and reflects strategic financial planning, potentially impacting its operations and market positioning.