mF International Limited (MFI) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 30.05K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.87
• 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: 26,866
• 30 Day Avg. Volume: 30,048
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: 0.27
• Enterprise Value/Gross Profit: 0.52
• Enterprise Value/Ebitda: -3.90
• 1Y Price Target: $38.00
• Price Target Upside: 6.32% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 48 Neutral
• Price Target: $27.00 ▼(-24.45% Downside)

MFI's overall stock score is primarily impacted by its weak financial performance and valuation concerns. The technical analysis suggests a lack of strong momentum, further weighing on the score. The absence of earnings call data and corporate events means these factors do not influence 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 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 facing financial headwinds with declining revenues and profitability, coupled with cash flow challenges. The balance sheet remains relatively stable, but the increase in debt and negative cash flows pose significant risks.

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	30.28M	26.09M	31.96M	4.46M	4.14M	35.19M
Gross Profit	15.99M	12.30M	17.97M	2.12M	1.81M	15.02M
EBITDA	-2.13M	-13.26M	6.82M	7.76M	10.79M	9.41M
Net Income	-1.14M	-20.21M	6.63M	870.77K	1.33M	11.68M
Balance Sheet
Total Assets	72.53M	58.31M	33.85M	4.44M	4.31M	38.85M
Cash, Cash Equivalents and Short-Term Investments	30.85M	20.00M	7.15M	1.80M	2.20M	22.98M
Total Debt	10.59M	7.62M	12.89M	1.97M	2.07M	13.79M
Total Liabilities	21.95M	22.39M	22.11M	3.10M	3.35M	28.70M
Stockholders Equity	50.58M	35.91M	11.74M	1.34M	959.75K	10.15M
Cash Flow
Free Cash Flow	-10.31M	-30.31M	4.01M	952.57K	703.47K	23.66M
Operating Cash Flow	-10.31M	-21.88M	11.32M	1.72M	1.64M	23.66M
Investing Cash Flow	-7.28M	-8.43M	-5.69M	-271.39K	-1.46M	-4.80M
Financing Cash Flow	43.60M	45.49M	-10.89M	-1.20M	-1.37M	-4.01M

mF International Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.74
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 35.74 is above the 20-day moving average (MA) of 34.77, above the 50-day MA of 34.23, and above the 200-day MA of 13.60, indicating a bullish trend. The MACD of 1.94 indicates Positive momentum. The RSI at 54.16 is Neutral, neither overbought nor oversold. The STOCH value of 37.48 is Neutral, 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 *	56 Neutral	$6.56B	-1.65	0.45%	6.25%	14.92%	10.98%
MFI	48 Neutral		―		―	―	―
MYSZ	48 Neutral	$3.81M	―	-53.78%	―	-31.86%	90.11%
MRIN	45 Neutral		―		―	-9.89%	47.46%
VS	39 Underperform	$9.07M	―	-15.68%	―	1873.85%	91.70%
AMST	―	$12.36M	―	-107.30%	―	―	―
AUUD	―	$5.41M	―	-198.73%	―	―	―