mF International Limited (MFI) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 127.91K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.58
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 34
• Sector: General
• Sector Strength: N/A
• Industry: Software - Application
• EPS (TTM): -0.20
• Shares Outstanding: 525,597
• 10 Day Avg. Volume: 55,019
• 30 Day Avg. Volume: 127,909
• PEG Ratio: 6.31
• Price to Book (P/B): 77.58
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -216.00
• 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: $30.00
• Price Target Upside: 0.07% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 48 Neutral
• Price Target: $29.00 ▼(-3.27%Downside)

mF International Limited's overall stock score is primarily impacted by its poor financial performance, with declining revenue and profitability and negative cash flows. The technical analysis offers some positive signals with short-term price trends, but valuation metrics are notably weak. The absence of earnings call data and corporate events leaves the financial and valuation concerns as the dominant factors in the score.

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, subscription services, and partnerships with financial institutions. The company charges fees for processing payments and transactions on its platform, earning a percentage of each transaction completed. Additionally, MFI offers premium subscription plans that provide users with enhanced features and services for a recurring fee. Strategic alliances with banks and financial institutions also play a significant role in its revenue stream, often involving revenue-sharing agreements for co-branded services and products. Furthermore, MFI invests in developing proprietary technologies that it licenses to other companies, creating an additional income source.

mF International Limited Financial Statement Overview

Summary

mF International Limited is experiencing significant financial challenges. The income statement shows substantial declines in revenue and profitability, with negative EBIT and EBITDA margins. The balance sheet indicates moderate stability with low leverage but is overshadowed by negative profitability. Cash flow analysis is concerning, with negative free cash flow and reliance on financing activities.

Income Statement

mF International Limited faced a challenging year with significant declines in key income metrics. The gross profit margin decreased significantly from previous years. The net profit margin turned negative, indicating substantial losses. The revenue declined by 18.4% from 2023 to 2024, signaling potential demand issues or increased competition. Both EBIT and EBITDA margins turned negative, highlighting operational challenges.

Balance Sheet

The balance sheet shows moderate stability with a debt-to-equity ratio of 0.21, indicating low leverage. However, the return on equity turned negative due to the net loss, and the equity ratio stands at 61.6%, suggesting a solid capital structure. Despite the equity strength, the company's overall financial health is impacted by its negative profitability.

Cash Flow

Cash flow analysis reveals a deteriorating situation. Free cash flow turned significantly negative, and the operating cash flow to net income ratio is negative, indicating inefficiencies in cash generation. The company is heavily reliant on financing activities, as shown by the positive financing cash flow, which raises concerns about sustainability.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	26.09M	31.96M	4.46M	4.14M	35.19M
Gross Profit	12.30M	17.97M	2.12M	1.81M	15.02M
EBITDA	-13.26M	6.82M	7.76M	10.79M	9.41M
Net Income	-20.21M	6.63M	870.77K	1.33M	11.68M
Balance Sheet
Total Assets	58.31M	33.85M	4.44M	4.31M	38.85M
Cash, Cash Equivalents and Short-Term Investments	20.00M	7.15M	1.80M	2.20M	22.98M
Total Debt	7.62M	12.89M	1.97M	2.07M	13.79M
Total Liabilities	22.39M	22.11M	3.10M	3.35M	28.70M
Stockholders Equity	35.91M	11.74M	1.34M	959.75K	10.15M
Cash Flow
Free Cash Flow	-30.31M	4.01M	952.57K	703.47K	23.66M
Operating Cash Flow	-21.88M	11.32M	1.72M	1.64M	23.66M
Investing Cash Flow	-8.43M	-5.69M	-271.39K	-1.46M	-4.80M
Financing Cash Flow	45.49M	-10.89M	-1.20M	-1.37M	-4.01M

mF International Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFI, the sentiment is Positive. The current price of 29.98 is below the 20-day moving average (MA) of 37.54, above the 50-day MA of 22.36, and above the 200-day MA of 9.96, indicating a neutral trend. The MACD of 1.76 indicates Positive momentum. The RSI at 48.28 is Neutral, neither overbought nor oversold. The STOCH value of 11.05 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MFI.

mF International Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	57 Neutral	$5.81B	21.43	-28.61%	5.74%	10.78%	-34.04%
MYSZ	51 Neutral	$4.00M	―	-82.58%	―	-27.08%	86.85%
MFI	48 Neutral		―		―	―	―
MRIN	45 Neutral	$2.86M	―	-91.75%	―	-9.89%	47.46%
VS	39 Underperform	$12.70M	―	-34.07%	―	-78.87%	85.62%
AMST	―	$14.36M	―	-107.30%	―	―	―
AUUD	―	$2.57M	―	-296.03%	―	―	―