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Mortgage Advice Bureau (Holdings)
(LSE:MAB1)
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Rating:68Neutral
Price Target:
567.00 p
â–²(10.31% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by healthy financial performance (growth, strong ROE, modest leverage, strong cash generation), partially offset by margin compression. Technical signals are weaker with the stock below key moving averages and negative MACD, while valuation is supported by a solid dividend yield and a mid-range P/E. Corporate updates are broadly constructive, with resilient trading commentary and insider alignment, alongside a managed CFO transition.
Positive Factors
Revenue Growth
Revenue has continued to scale despite a tougher mortgage backdrop, indicating sustained customer demand and network productivity. Continued growth broadens the base for mortgage commissions and related protection income over the next several quarters.
Negative Factors
Margin Compression
The sustained decline in gross and net margins indicates that revenue growth is not translating into proportional profit growth. If cost pressure or a less favorable business mix persists, returns and the group’s ability to compound earnings could remain constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue has continued to scale despite a tougher mortgage backdrop, indicating sustained customer demand and network productivity. Continued growth broadens the base for mortgage commissions and related protection income over the next several quarters.
Read all positive factors
Mortgage Advice Bureau (Holdings) (MAB1) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£287.78M
Dividend Yield4.59%
Average Volume (3M)160.66K
Price to Earnings (P/E)18.9
Beta (1Y)1.44
Revenue Growth19.16%
EPS Growth-5.42%
CountryUK
Employees1,121
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.26
Shares Outstanding57,613,880
10 Day Avg. Volume140,809
30 Day Avg. Volume160,655
Financial Highlights & Ratios
PEG Ratio-3.70
Price to Book (P/B)5.38
Price to Sales (P/S)1.26
P/FCF Ratio12.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£975.00Price Target Upside89.69% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.48
Revenue Forecast (FY)£355.73M
Mortgage Advice Bureau (Holdings) Business Overview & Revenue Model
Company Description
Mortgage Advice Bureau (Holdings) plc, along with its group entities, specializes in delivering mortgage advisory services across the United Kingdom. The firm provides expert guidance on an extensive array of approximately 16,000 residential and b...
How the Company Makes Money
Mortgage Advice Bureau (Holdings) plc primarily makes money by acting as an intermediary between customers and product providers (such as mortgage lenders and insurers). Its key revenue stream is commission income generated when it successfully ar...
Mortgage Advice Bureau (Holdings) Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 317.60M | 266.54M | 239.53M | 230.88M | 188.97M |
| Gross Profit | 80.11M | 81.90M | 70.16M | 58.98M | 49.95M |
| EBITDA | 34.35M | 32.34M | 24.31M | 21.25M | 23.66M |
| Net Income | 15.07M | 15.90M | 13.47M | 12.24M | 18.72M |
Balance Sheet | |||||
| Total Assets | 181.43M | 160.83M | 158.38M | 169.79M | 82.28M |
| Cash, Cash Equivalents and Short-Term Investments | 26.62M | 4.19M | 21.94M | 25.46M | 34.41M |
| Total Debt | 18.25M | 18.06M | 20.99M | 27.35M | 2.63M |
| Total Liabilities | 105.53M | 85.73M | 83.97M | 94.35M | 41.30M |
| Stockholders Equity | 74.14M | 73.66M | 70.20M | 67.90M | 38.78M |
Cash Flow | |||||
| Free Cash Flow | 32.08M | 26.99M | 21.68M | 20.50M | 26.55M |
| Operating Cash Flow | 33.31M | 30.03M | 23.74M | 24.34M | 26.75M |
| Investing Cash Flow | -11.02M | -5.04M | -2.52M | -54.21M | -7.38M |
| Financing Cash Flow | -19.77M | -23.26M | -24.74M | 20.92M | -17.94M |
Mortgage Advice Bureau (Holdings) Technical Analysis
Negative
514.00
Price Trends
523.89
Negative
528.08
Negative
582.87
Negative
Market Momentum
-8.10
Positive
39.85
Neutral
25.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MAB1, the sentiment is Negative. The current price of 514 is below the 20-day moving average (MA) of 514.02, below the 50-day MA of 523.89, and below the 200-day MA of 582.87, indicating a bearish trend. The MACD of -8.10 indicates Positive momentum. The RSI at 39.85 is Neutral, neither overbought nor oversold. The STOCH value of 25.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:MAB1.
Mortgage Advice Bureau (Holdings) Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £409.17M | 21.61 | 33.94% | 4.03% | 20.14% | 15.61% | |
76 Outperform | £1.72B | 6.61 | 13.06% | 7.05% | -5.67% | 8.94% | |
71 Outperform | £1.47B | 8.73 | 11.98% | 5.65% | -6.82% | -7.03% | |
68 Neutral | £287.78M | 18.87 | 20.53% | 4.59% | 19.16% | -5.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | £332.03M | 31.39 | 25.24% | ― | 36.77% | ― | |
49 Neutral | £39.99M | 17.59 | 3.17% | 10.11% | 13.95% | ― |
* Financial Sector Average
GB:MAB1
Mortgage Advice Bureau (Holdings)
490.50
-174.45
-26.24%
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GB:PBEE
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GB:LINV
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Mortgage Advice Bureau (Holdings) Corporate Events
Regulatory Filings and Compliance
Mortgage Advice Bureau Discloses Share Purchase by Chief Risk Officer
Positive
Aug 17, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed a share purchase by Group Chief Risk Officer Paul Gill, in line with UK Market Abuse Regulation requirements. Gill acquired 28 ordinary shares on 14 August 2026, which were matched by the company...
Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Discloses Modest Director-Linked Share Purchase
Positive
Jul 31, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed that a connected party to non-executive director Nathan Imlach purchased 366 ordinary shares at 522.75p on 31 July 2026, taking his total holding to 41,579 shares, representing 0.072% of voting r...
Business Operations and StrategyFinancial Disclosures
Mortgage Advice Bureau delivers resilient H1 as refinance-led market boosts completions
Positive
Jul 23, 2026
Mortgage Advice Bureau reported resilient trading in the first half of 2026, with total mortgage completions rising 16% to about £16.5bn and revenue up 8% to roughly £160m despite subdued consumer confidence and mortgage market volatilit...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Mortgage Advice Bureau grants new long-term share options to senior executives
Positive
Jul 16, 2026
Mortgage Advice Bureau (Holdings) plc has granted 278,761 options over ordinary shares to key senior executives under its Long-Term Incentive Plan, with vesting contingent on adjusted earnings per share growth between 2026 and 2028 and exercisabil...
Regulatory Filings and Compliance
Director-Linked Share Purchase Disclosed at Mortgage Advice Bureau
Positive
Jul 2, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed that a connected party to non-executive director Nathan Imlach purchased 369 ordinary shares on 30 June 2026 at 520.3 pence per share. Following the transaction, Imlach’s total holding stan...
Regulatory Filings and Compliance
Mortgage Advice Bureau director’s connected party increases shareholding
Positive
Jul 2, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed that a connected party of non-executive director Nathan Imlach has purchased additional ordinary shares in the company. The transaction, involving the acquisition of 369 shares at 520.3p each on ...
Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau Updates Share Capital and Voting Rights Structure
Neutral
Jun 30, 2026
Mortgage Advice Bureau (Holdings) plc, a technology-driven UK property finance service, focuses on providing personalised mortgage, specialist lending, protection and general insurance advice. It supports its Appointed Representative firms with pr...
Business Operations and StrategyExecutive/Board Changes
Mortgage Advice Bureau names new CFO as it prepares for next growth phase
Positive
Jun 29, 2026
Mortgage Advice Bureau (Holdings) PLC has announced that Group Chief Financial Officer Emilie McCarthy will step down and leave the business on 30 September 2026 after playing a key role in the group’s development, including its move from AI...
Regulatory Filings and Compliance
Mortgage Advice Bureau Executives Increase Stakes via Share Incentive Plan
Positive
Jun 19, 2026
Mortgage Advice Bureau has disclosed that senior executives Ben Thompson, Director of Home Moving Strategy, and Paul Gill, Group Chief Risk Officer, have each purchased 54 ordinary shares at 564p per share under the company’s Share Incentive...
Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau updates on PDMR share option exercise and voting rights
Neutral
Jun 8, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed that Ben Thompson, its Director of Home Moving Strategy and a person discharging managerial responsibilities, exercised options over 70,825 ordinary shares under the company’s Employee Shar...
Regulatory Filings and Compliance
Mortgage Advice Bureau Discloses Director-Linked Share Purchase
Neutral
Jun 1, 2026
Mortgage Advice Bureau (Holdings) plc has disclosed that a person closely associated with non-executive director Nathan Imlach purchased 355 ordinary shares in the company on 29 May 2026. The transaction, executed on the London Stock Exchange at 5...
Business Operations and StrategyExecutive/Board Changes
Mortgage Advice Bureau Announces Departure of Director and COO
Neutral
Jun 1, 2026
Mortgage Advice Bureau (Holdings) plc, a leading technology‑driven UK property finance platform, delivers personalised mortgage, specialist lending, protection and general insurance advice via more than 2,100 advisers. The company operates t...
Business Operations and StrategyRegulatory Filings and Compliance
Mortgage Advice Bureau executives boost stakes under share incentive plan
Positive
May 21, 2026
Mortgage Advice Bureau (Holdings) plc reported that senior executives Ben Thompson, director of home moving strategy, and Paul Gill, group chief risk officer, each purchased 29 ordinary shares on the London Stock Exchange, which were matched with ...
Business Operations and StrategyDividendsShareholder Meetings
Mortgage Advice Bureau Wins Full Shareholder Backing at 2026 AGM
Positive
May 21, 2026
Mortgage Advice Bureau (Holdings) PLC, a major UK mortgage and protection intermediary platform, underpins its network of more than 2,100 advisers with proprietary technology and data-driven services tailored to property finance customers. Its mod...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Mortgage Advice Bureau Reports Strong Start to 2026 with Higher Mortgage Applications
Positive
May 20, 2026
Mortgage Advice Bureau (Holdings) plc reported at its Annual General Meeting that mortgage applications in the first 19 weeks of 2026 were 15% higher year on year, maintaining the strong momentum seen earlier in the year. A brief spike in refinanc...
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.