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mF International Limited (MFI) AI Stock Analysis
mF International Limited
(NASDAQ:MFI)
The overall stock score is sharply constrained by extremely weak financial performance, including deep operating losses, negative cash flow, and rapid deterioration in profitability. Technical trends are stable but not bullish, offering only mild support. Valuation reflects high risk and lack of earnings. While the current balance sheet is liquid, this is due to external financing and does not offset significant operating risks. No positive catalysts or events have been disclosed.
mF International Limited (MFI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $380.10M
- Dividend Yield
- ―
- Average Volume (3M)
- 15.88K
- Price to Earnings (P/E)
- -1.5
- Beta (1Y)
- 2.48
- Revenue Growth
- 6.95%
- EPS Growth
- -17.12%
- Country
- US
- Employees
- 33
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Application
mF International Limited Business Overview & Revenue Model
Company Description
Operating as a holding company, mF International Limited (MFI) specializes in the development and commercialization of financial trading solutions. These solutions are delivered either online or as a Platform-as-a-Service (PaaS), serving markets acro...
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 b...
mF International Limited Financial Statement Overview
Summary
mF International Limited's financials for 2024 show a dramatic deterioration: revenue fell 18.4%, gross margin shrank to 47.2%, and net margin reversed from +20.7% to -77.4%. Severe operating losses, deeply negative free cash flow, and unsustainably high cash burn underscore urgent business risks. While the balance sheet appears robust due to recent capital raising and low debt, heavy losses and negative returns threaten long-term viability unless profitability is rapidly restored.
Income Statement
12Very NegativeBalance Sheet
69PositiveCash Flow
10Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.73M | 33.82M | 26.09M | 31.96M | 34.93M | 32.21M |
| Gross Profit | 10.47M | 10.02M | 12.30M | 17.97M | 18.42M | 15.95M |
| EBITDA | -39.54M | -25.03M | -13.26M | 13.96M | 15.62M | 18.49M |
| Net Income | -2.04B | 78.74M | -20.21M | 6.63M | 6.82M | 10.35M |
Balance Sheet | ||||||
| Total Assets | 1.89B | 4.04B | 58.31M | 33.85M | 34.54M | 33.34M |
| Cash, Cash Equivalents and Short-Term Investments | 386.01M | 3.89B | 20.00M | 7.15M | 14.04M | 17.13M |
| Total Debt | 3.33M | 5.81M | 7.62M | 12.89M | 15.38M | 16.47M |
| Total Liabilities | 7.92M | 26.33M | 22.39M | 22.11M | 24.11M | 25.86M |
| Stockholders Equity | 1.88B | 4.01B | 35.91M | 11.74M | 10.43M | 7.48M |
Cash Flow | ||||||
| Free Cash Flow | -38.06M | -18.34M | -30.31M | 4.01M | 13.45M | 5.47M |
| Operating Cash Flow | -37.80M | -15.87M | -21.88M | 11.32M | 13.50M | 12.73M |
| Investing Cash Flow | 32.50M | 1.37M | -8.43M | -5.69M | -2.13M | -11.35M |
| Financing Cash Flow | 217.08M | 216.38M | 45.49M | -10.89M | -9.40M | -10.64M |
mF International Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MFI, the sentiment is Negative. The current price of 7.83 is below the 20-day moving average (MA) of 8.29, below the 50-day MA of 8.95, and below the 200-day MA of 10.28, indicating a bearish trend. The MACD of -0.32 indicates Positive momentum. The RSI at 33.87 is Neutral, neither overbought nor oversold. The STOCH value of 26.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MFI.
mF International Limited Risk Analysis
mF International Limited disclosed 37 risk factors in its most recent earnings report. mF International Limited reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksmF International Limited Peers Comparison
Overall Rating
NTWK69Neutral
SURG47Neutral
YXT47Neutral
INLX46Neutral- MFI44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| NTWK | 69Neutral | $91.80M | 30.61 | 7.84% | ― | 12.53% | -0.08% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| SURG | 47Neutral | $8.71M | -0.11 | 193.81% | ― | 83.91% | 38.02% |
| YXT | 47Neutral | $9.58M | -0.59 | -145.28% | ― | ― | ― |
| INLX | 46Neutral | $18.16M | -6.30 | -26.38% | ― | -5.53% | -56.77% |
| MFI | 44Neutral | $388.87M | -1.50 | -69.20% | ― | 6.95% | -17.12% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| MFI | mF International Limited | 7.75 | -19.32 | -71.37% | |
| NTWK | Netsol | 7.68 | 3.45 | 81.56% | |
| INLX | Intellinetics, Inc. | 4.04 | -5.30 | -56.75% | |
| SURG | Surgepays Inc | 0.16 | -2.42 | -93.64% | |
| YXT | YXT.COM Group Holding Limited Sponsored ADR | 1.45 | -8.65 | -85.64% | |
| BLIV | BeLive Holdings | 2.65 | -0.95 | -26.42% |
mF International Limited Corporate Events
mF International Faces Nasdaq Filing Deficiency Over Delayed 2025 Form 20-F
mF International Limited, a British Virgin Islands holding company with Hong Kong-based operations, focuses on delivering software-as-a-service financial trading solutions through its m-FINANCE subsidiary. The group is also expanding into digital ass...
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: Oct 15, 2025