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Mortgage Advice Bureau (Holdings) (MAB1) Ratios
Mortgage Advice Bureau (Holdings) Ratios
GB:MAB1's free cash flow for Q2 2026 was $7.42M. For the 2026 fiscal year, GB:MAB1's free cash flow was decreased by $-297.00K and operating cash flow was $7.71M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.71 | 0.61 | 0.59 | 0.60 | 1.06 |
| Quick Ratio | 0.71 | 0.61 | 0.59 | 0.60 | 1.06 |
| Cash Ratio | 0.46 | 0.08 | 0.42 | 0.60 | 1.06 |
| Solvency Ratio | 0.24 | 0.27 | 0.25 | 0.17 | 0.49 |
| Operating Cash Flow Ratio | 0.59 | 0.54 | 0.45 | 0.57 | 0.82 |
| Short-Term Operating Cash Flow Coverage | 2.64 | 5.89 | 3.51 | 3.57 | 67.91 |
| Net Current Asset Value | $ -65.66M | $ -52.30M | $ -52.71M | $ -68.89M | $ -6.88M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.11 | 0.13 | 0.16 | 0.03 |
| Debt-to-Equity Ratio | 0.25 | 0.25 | 0.30 | 0.40 | 0.07 |
| Debt-to-Capital Ratio | 0.20 | 0.20 | 0.23 | 0.29 | 0.06 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.11 | 0.15 | 0.20 | 0.00 |
| Financial Leverage Ratio | 2.45 | 2.18 | 2.26 | 2.50 | 2.12 |
| Debt Service Coverage Ratio | 2.00 | 3.65 | 2.20 | 2.07 | 35.64 |
| Interest Coverage Ratio | 20.72 | 13.07 | 5.37 | 14.93 | 145.61 |
| Debt to Market Cap | 0.03 | 0.04 | 0.04 | 0.08 | 0.00 |
| Interest Debt Per Share | 0.33 | 0.35 | 0.41 | 0.51 | 0.05 |
| Net Debt to EBITDA | -0.23 | 0.43 | -0.04 | 0.09 | -1.34 |
| Profitability Margins | |||||
| Gross Profit Margin | 25.22% | 30.73% | 29.29% | 25.55% | 26.43% |
| EBIT Margin | 7.46% | 9.30% | 7.00% | 7.46% | 11.82% |
| EBITDA Margin | 10.82% | 12.13% | 10.15% | 9.21% | 12.52% |
| Operating Profit Margin | 7.46% | 9.28% | 5.85% | 8.01% | 12.33% |
| Pretax Profit Margin | 6.96% | 8.59% | 6.75% | 7.52% | 12.27% |
| Net Profit Margin | 4.75% | 5.96% | 5.62% | 5.30% | 9.91% |
| Continuous Operations Profit Margin | 4.84% | 6.03% | 5.20% | 5.53% | 10.20% |
| Net Income Per EBT | 68.21% | 69.46% | 83.24% | 70.52% | 80.76% |
| EBT Per EBIT | 93.33% | 92.49% | 115.47% | 93.89% | 99.51% |
| Return on Assets (ROA) | 8.31% | 9.88% | 8.50% | 7.21% | 22.75% |
| Return on Equity (ROE) | 20.33% | 21.58% | 19.18% | 18.02% | 48.27% |
| Return on Capital Employed (ROCE) | 18.93% | 23.43% | 13.26% | 14.53% | 46.88% |
| Return on Invested Capital (ROIC) | 11.95% | 15.59% | 9.52% | 12.34% | 75.67% |
| Return on Tangible Assets | 26.07% | 27.14% | 25.40% | 197.37% | 38.00% |
| Earnings Yield | 3.78% | 4.52% | 2.88% | 4.12% | 2.43% |
| Efficiency Ratios | |||||
| Receivables Turnover | 93.03 | 39.96 | 89.34 | 56.30 | 73.16 |
| Payables Turnover | 0.00 | 5.06 | 4.81 | 5.00 | 4.74 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 25.90 | 29.59 | 29.64 | 23.09 | 36.88 |
| Asset Turnover | 1.75 | 1.66 | 1.51 | 1.36 | 2.30 |
| Working Capital Turnover Ratio | -16.62 | -12.33 | -12.42 | -30.17 | 34.99 |
| Cash Conversion Cycle | 3.92 | -63.03 | -71.83 | -66.56 | -72.05 |
| Days of Sales Outstanding | 3.92 | 9.13 | 4.09 | 6.48 | 4.99 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 72.16 | 75.91 | 73.04 | 77.04 |
| Operating Cycle | 3.92 | 9.13 | 4.09 | 6.48 | 4.99 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.57 | 0.52 | 0.42 | 0.43 | 0.50 |
| Free Cash Flow Per Share | 0.55 | 0.47 | 0.38 | 0.37 | 0.50 |
| Dividend Paid and CapEx Coverage Ratio | 2.38 | 1.56 | 1.31 | 1.23 | 1.53 |
| Capital Expenditure Coverage Ratio | 27.13 | 9.88 | 11.56 | 6.33 | 130.51 |
| Operating Cash Flow Coverage Ratio | 1.82 | 1.66 | 1.13 | 0.89 | 10.31 |
| Operating Cash Flow to Sales Ratio | 0.10 | 0.11 | 0.10 | 0.11 | 0.14 |
| Free Cash Flow Yield | 8.05% | 7.68% | 4.63% | 6.90% | 3.44% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 26.46 | 21.79 | 34.76 | 24.29 | 41.19 |
| Price-to-Sales (P/S) Ratio | 1.26 | 1.32 | 1.95 | 1.29 | 4.08 |
| Price-to-Book (P/B) Ratio | 5.38 | 4.77 | 6.67 | 4.38 | 19.89 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.43 | 13.02 | 21.59 | 14.50 | 29.05 |
| Price-to-Operating Cash Flow Ratio | 11.97 | 11.70 | 19.72 | 12.21 | 28.82 |
| Price-to-Earnings Growth (PEG) Ratio | -3.70 | 1.31 | 3.82 | -0.65 | 0.90 |
| Enterprise Value Multiple | 11.38 | 11.30 | 19.22 | 14.07 | 31.25 |
| Enterprise Value | 390.82M | 365.28M | 467.19M | 299.13M | 739.37M |
| EV to EBITDA | 11.38 | 11.30 | 19.22 | 14.07 | 31.25 |
| EV to Sales | 1.23 | 1.37 | 1.95 | 1.30 | 3.91 |
| EV to Free Cash Flow | 12.18 | 13.53 | 21.54 | 14.59 | 27.85 |
| EV to Operating Cash Flow | 11.73 | 12.16 | 19.68 | 12.29 | 27.63 |
| Tangible Book Value Per Share | -0.82 | -0.47 | -0.54 | -1.57 | 0.15 |
| Shareholders’ Equity Per Share | 1.28 | 1.28 | 1.23 | 1.21 | 0.73 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.31 | 0.30 | 0.23 | 0.26 | 0.17 |
| Revenue Per Share | 5.48 | 4.63 | 4.20 | 4.12 | 3.55 |
| Net Income Per Share | 0.26 | 0.28 | 0.24 | 0.22 | 0.35 |
| Tax Burden | 0.68 | 0.69 | 0.83 | 0.71 | 0.81 |
| Interest Burden | 0.93 | 0.92 | 0.97 | 1.01 | 1.04 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.07 | 0.19 | 0.16 | 0.15 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 |
| Income Quality | 2.21 | 1.31 | 1.76 | 1.99 | 1.43 |
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