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Mortgage Advice Bureau (Holdings) (MAB1) AI Stock Analysis
Mortgage Advice Bureau (Holdings)
(LSE:MAB1)
The score is driven primarily by solid financial performance (strong ROE, modest leverage, and strong free-cash-flow generation), but is held back by significant technical weakness (price well below key moving averages and bearish momentum). Valuation is supportive (P/E ~15.1 and ~5.74% dividend yield), though margin compression remains a notable risk.
Mortgage Advice Bureau (Holdings) (MAB1) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 219.80M
- Dividend Yield
- 6.08%
- Average Volume (3M)
- 422.01K
- Price to Earnings (P/E)
- 18.8
- Beta (1Y)
- 1.61
- Revenue Growth
- 13.81%
- EPS Growth
- -37.34%
- Country
- UK
- Employees
- 1,121
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Mortgages
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 buy-...
How the Company Makes Money
MAB makes money primarily by earning commissions and fees when its advisers arrange financial products for clients. The main revenue stream is mortgage brokerage income: when a client completes a mortgage arranged through a MAB adviser, the lender ty...
Mortgage Advice Bureau (Holdings) Financial Statement Overview
Summary
Solid overall fundamentals supported by meaningful revenue growth (~9% YoY in 2025), modest and stable leverage (debt-to-equity ~0.25), strong returns on equity (~20%+), and strong cash conversion (FCF ~96% of net income). The main offset is margin compression (gross margin ~31% to ~25% and net margin ~6.0% to ~4.7% from 2024 to 2025), which is the key operating risk.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 330.64M | 317.60M | 266.54M | 239.53M | 230.88M | 188.97M |
| Gross Profit | 82.28M | 80.11M | 81.90M | 70.16M | 58.98M | 49.95M |
| EBITDA | 36.24M | 34.35M | 32.34M | 24.31M | 21.25M | 23.66M |
| Net Income | 11.88M | 15.07M | 15.90M | 13.47M | 12.24M | 18.72M |
Balance Sheet | ||||||
| Total Assets | 187.57M | 181.43M | 160.83M | 158.38M | 169.79M | 82.28M |
| Cash, Cash Equivalents and Short-Term Investments | 25.89M | 26.62M | 4.19M | 21.94M | 25.46M | 34.41M |
| Total Debt | 28.85M | 18.25M | 18.06M | 20.99M | 27.35M | 2.63M |
| Total Liabilities | 119.90M | 105.53M | 85.73M | 83.97M | 94.35M | 41.30M |
| Stockholders Equity | 66.19M | 74.14M | 73.66M | 70.20M | 67.90M | 38.78M |
Cash Flow | ||||||
| Free Cash Flow | 26.58M | 32.08M | 26.99M | 21.68M | 20.50M | 26.55M |
| Operating Cash Flow | 27.82M | 33.31M | 30.03M | 23.74M | 24.34M | 26.75M |
| Investing Cash Flow | -11.73M | -11.02M | -5.04M | -2.52M | -54.21M | -7.38M |
| Financing Cash Flow | -13.31M | -19.77M | -23.26M | -24.74M | 20.92M | -17.94M |
Mortgage Advice Bureau (Holdings) Technical Analysis
Price Trends
Market Momentum
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 381.50 is above the 20-day moving average (MA) of 366.25, below the 50-day MA of 393.60, and below the 200-day MA of 513.80, indicating a neutral trend. The MACD of 2.98 indicates Negative momentum. The RSI at 51.24 is Neutral, neither overbought nor oversold. The STOCH value of 46.91 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
Overall Rating
GB:OSB80Outperform
GB:PAG74Outperform
GB:TAM70Outperform- GB:MAB166Neutral
GB:PBEE50Neutral
GB:LINV44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:OSB | 80Outperform | GBP 1.60B | 6.22 | 13.06% | 7.49% | -5.67% | 8.94% |
| GB:PAG | 74Outperform | GBP 1.29B | 7.82 | 11.98% | 6.31% | -6.82% | -7.03% |
| GB:TAM | 70Outperform | GBP 407.95M | 21.68 | 33.94% | 4.02% | 20.14% | 15.61% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:MAB1 | 66Neutral | GBP 221.35M | 18.78 | 16.94% | 6.08% | 13.81% | -37.34% |
| GB:PBEE | 50Neutral | GBP 293.90M | 28.08 | 25.24% | ― | 36.77% | ― |
| GB:LINV | 44Neutral | GBP 38.59M | 16.98 | 3.17% | ― | 13.95% | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:MAB1 | Mortgage Advice Bureau (Holdings) | 381.50 | -290.40 | -43.22% | |
| GB:OSB | OSB Group PLC | 479.00 | -23.10 | -4.60% | |
| GB:PAG | Paragon Banking | 719.00 | -60.13 | -7.72% | |
| GB:TAM | Tatton Asset Management Plc | 672.00 | -36.76 | -5.19% | |
| GB:PBEE | PensionBee Group PLC | 123.00 | -35.00 | -22.15% | |
| GB:LINV | LendInvest PLC | 27.50 | -10.00 | -26.67% |
Mortgage Advice Bureau (Holdings) Corporate Events
Mortgage Advice Bureau reshapes board with new CFO and director exit
NeutralMortgage Advice Bureau has appointed Jo Stent as Group Chief Financial Officer and executive director with effect from 1 October 2026, following an orderly transition from outgoing CFO Emilie McCarthy, who leaves the group on 30 September. Stent brin...
Mortgage Advice Bureau Delivers Resilient H1 as Refinance Boom Offsets Housing Slowdown
PositiveMortgage Advice Bureau reported an 8.6% rise in first-half revenue to £161m, with adjusted profit before tax up 2.1% to £14.8m and adjusted EPS slightly higher, despite statutory profit dropping as admin costs increased and margins narrowed...
Mortgage Advice Bureau discloses PDMR share purchase under incentive plan
NeutralMortgage Advice Bureau (Holdings) plc has reported a small share purchase by Group Chief Risk Officer and PDMR Paul Gill under the company’s Share Incentive Plan. On 14 September 2026 he acquired 41 ordinary shares, which were matched by 41 com...
Mortgage Advice Bureau Sets Up Employee Benefit Trust and Transfers Treasury Shares
PositiveMortgage Advice Bureau (Holdings) plc has established a new Employee Benefit Trust operated by Equiniti Trust (Jersey) Limited to meet obligations arising from vested options and future share awards under its share option programmes. The trust struct...
Mortgage Advice Bureau trims 2026 profit outlook as market softens and Fluent delays bite
NegativeMortgage Advice Bureau (Holdings) plc, a technology-driven UK property finance intermediary, operates a large adviser network providing mortgage, specialist lending, protection and general insurance advice through partner firms. Its proprietary platf...
Mortgage Advice Bureau Discloses Director-Linked Share Purchase
PositiveMortgage Advice Bureau (Holdings) plc has disclosed that connected parties to non-executive director Nathan Imlach purchased ordinary shares in the company on 1 September 2026. The transaction, executed on the London Stock Exchange, modestly increase...
Mortgage Advice Bureau schedules interim results and investor presentation for September 2026
NeutralMortgage Advice Bureau (Holdings) plc, which works through over 2,100 advisers in its network of Appointed Representatives, offers advice on mortgages, specialist lending, protection and general insurance. It also supports partner firms with propriet...
Mortgage Advice Bureau Discloses Share Purchase by Chief Risk Officer
PositiveMortgage 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 un...
Mortgage Advice Bureau Discloses Modest Director-Linked Share Purchase
PositiveMortgage 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 righ...
Mortgage Advice Bureau delivers resilient H1 as refinance-led market boosts completions
PositiveMortgage 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 volatility....
Mortgage Advice Bureau grants new long-term share options to senior executives
PositiveMortgage 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 exercisability...
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.
Date of analysis: Sep 10, 2026