Mobilityone (MBO) AI Stock Analysis

• Market Cap: £1.28M
• Dividend Yield: N/A
• Average Volume (3M): 246.31K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.51
• Revenue Growth: 2.20%
• EPS Growth: 5.52%
• Country: UK
• Employees: 127
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 106,298,780
• 10 Day Avg. Volume: 61,542
• 30 Day Avg. Volume: 246,311
• PEG Ratio: >-0.01
• Price to Book (P/B): -21.80
• Price to Sales (P/S): 0.00947
• P/FCF Ratio: -1.16
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0

• Rating: 47 Neutral
• Price Target: 1.00p ▼(-16.67% Downside)

Mobilityone's overall stock score is primarily impacted by its poor financial performance, characterized by negative profitability and high leverage. Technical analysis provides some short-term bullish signals, but the long-term trend remains bearish. The valuation is unattractive due to a negative P/E ratio and lack of dividend yield.

Mobilityone Business Overview & Revenue Model

Company Description

Mobilityone (MBO) is a technology-driven company specializing in mobile payments and digital financial services. Operating primarily in the telecommunications and financial technology sectors, Mobilityone offers a suite of products including mobile payment solutions, e-wallet services, and transaction processing platforms aimed at enhancing financial inclusion in emerging markets. The company's services cater to various sectors including retail, e-commerce, and remittances, facilitating seamless cashless transactions for consumers and businesses alike.

How the Company Makes Money

Mobilityone generates revenue through multiple streams including transaction fees from its payment processing services, subscription fees for its e-wallet services, and commissions from partnerships with merchants and service providers. The company also earns income from value-added services such as loyalty programs and marketing solutions that it offers to businesses within its network. Significant partnerships with telecom operators, financial institutions, and retail chains further enhance its earnings by expanding its customer base and transaction volume.

Mobilityone Financial Statement Overview

Summary

Mobilityone faces significant financial challenges with negative profitability, high leverage, and cash flow constraints. Despite some revenue growth, the company's margins and equity position are concerning, indicating a precarious financial health.

Income Statement

Mobilityone's income statement shows a challenging financial performance with negative net income and declining margins. The TTM (Trailing-Twelve-Months) revenue growth rate is positive at 1.17%, indicating some recovery. However, the company struggles with negative EBIT and EBITDA margins, reflecting operational inefficiencies. The gross profit margin is low at 4.55%, suggesting limited pricing power or high cost of goods sold.

Balance Sheet

The balance sheet reveals significant financial instability, with a negative stockholders' equity and a high debt-to-equity ratio of 4.24 in the TTM period, indicating potential solvency issues. The return on equity is negative, reflecting the company's inability to generate profits from shareholders' investments. The equity ratio is also concerning, highlighting a reliance on debt financing.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, with a declining free cash flow growth rate of -25.73% in the TTM period. The operating cash flow to net income ratio is negative, indicating cash flow challenges. However, the free cash flow to net income ratio is slightly positive, suggesting some ability to cover net losses with free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	235.70M	230.23M	241.67M	233.76M	255.71M	246.67M
Gross Profit	11.67M	11.10M	11.93M	12.75M	13.66M	12.96M
EBITDA	-1.54M	-2.81M	-665.43K	1.17M	2.56M	2.81M
Net Income	-2.91M	-3.45M	-1.41M	23.86K	1.52M	1.61M
Balance Sheet
Total Assets	15.21M	17.07M	15.70M	12.33M	12.55M	11.65M
Cash, Cash Equivalents and Short-Term Investments	3.00M	3.28M	4.14M	5.02M	4.93M	4.42M
Total Debt	7.16M	7.35M	4.39M	4.07M	2.33M	3.35M
Total Liabilities	16.47M	17.18M	12.43M	7.11M	7.71M	8.27M
Stockholders Equity	-1.24M	-99.94K	3.28M	5.23M	4.85M	3.39M
Cash Flow
Free Cash Flow	-1.10M	-1.88M	-178.62K	-1.39M	1.54M	495.12K
Operating Cash Flow	-982.75K	-1.76M	242.44K	-995.29K	1.58M	644.91K
Investing Cash Flow	-102.04K	-85.84K	-761.07K	-393.87K	-174.18K	-149.79K
Financing Cash Flow	-159.44K	2.46M	96.63K	1.31M	-1.33M	-436.57K

Mobilityone Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.20
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MBO, the sentiment is Positive. The current price of 1.2 is below the 20-day moving average (MA) of 1.21, above the 50-day MA of 1.11, and below the 200-day MA of 1.56, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 55.07 is Neutral, neither overbought nor oversold. The STOCH value of 43.65 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:MBO.

Mobilityone Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RDT	―	£2.37M	-0.20	-213.44%	―	5.29%	72.50%
SORT	―	£2.67M	-1.08	-556.25%	―	51.87%	62.47%
MBO	―	£1.28M	-0.44	-1799.47%	―	2.20%	5.52%
AIQ	―	£3.89M	―	―	―	-47.47%	12.50%

Mobilityone Corporate Events

MobilityOne Reports Revenue Growth and Strategic Ventures Amid Challenging Market

MobilityOne reported a 4.9% increase in revenue to £116.0 million for the first half of 2025, attributed to favorable exchange rates. The company’s loss after tax reduced to £1.14 million, with improvements in gross profit margins and lower administrative expenses. Despite a challenging business environment, MobilityOne is optimistic about its strategic joint venture with Super Apps, which is expected to enhance its financial position and growth prospects. The company is also expanding into the health technology sector, leveraging its expertise in payment solutions to streamline healthcare services.

The most recent analyst rating on (GB:MBO) stock is a Sell with a £1.00 price target. To see the full list of analyst forecasts on Mobilityone stock, see the GB:MBO Stock Forecast page.

MobilityOne Extends Payment Deadline for Sincere Acres Acquisition

MobilityOne Limited announced an extension for the payment deadline of the second tranche in its acquisition of a 49% equity interest in Sincere Acres Sdn Bhd. The new deadline is set for 30 November 2025, with accrued interest to be paid in three monthly installments. This extension allows MobilityOne to manage its financial obligations while maintaining the terms of the acquisition, which could impact its financial strategy and stakeholder relations.

The most recent analyst rating on (GB:MBO) stock is a Sell with a £1.00 price target. To see the full list of analyst forecasts on Mobilityone stock, see the GB:MBO Stock Forecast page.

MobilityOne Announces Extension in Joint Venture Timeline with Super Apps

MobilityOne Limited announced an update on its proposed joint venture with Super Apps, highlighting an extension of the deadline for the merger exercise with Technology & Telecommunication Acquisition Corporation (TETE) from August 2025 to February 2026. This extension, approved by TETE’s shareholders, allows more time for the business combination, potentially impacting MobilityOne’s strategic positioning and future operations in the fintech industry.

The most recent analyst rating on (GB:MBO) stock is a Hold with a £1.00 price target. To see the full list of analyst forecasts on Mobilityone stock, see the GB:MBO Stock Forecast page.

MobilityOne Successfully Passes All AGM Resolutions

MobilityOne Limited announced the successful passage of all resolutions at its recent annual general meeting, including the re-election of several directors and the appointment of Kreston Reeves LLP as auditors. This outcome reflects strong shareholder support and positions the company to continue its strategic initiatives in the e-commerce infrastructure payment solutions sector.