ScoreWhy is Mortgage Advice Bureau (Holdings) plc ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 29.70%
- Healthy long term growth as Net Sales has grown by an annual rate of 14.71%
- Company's ability to service its debt is strong with a healthy EBIT to Interest (avg) ratio of 18.36
- OPERATING CASH FLOW(Y) Highest at GBP 54.55 MM
- INTEREST COVERAGE RATIO(Q) Highest at 3,413.18
- RAW MATERIAL COST(Y) Fallen by -11.84% (YoY)
2
With ROE of 41.75%, it has a expensive valuation with a 5.82 Price to Book Value
- Over the past year, while the stock has generated a return of 3.34%, its profits have risen by 68.9% ; the PEG ratio of the company is 0.2
3
Underperformed the market in the last 1 year
- The stock has generated a return of 3.34% in the last 1 year, much lower than market (FTSE 100) returns of 15.94%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Mortgage Advice Bureau (Holdings) plc should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Mortgage Advice Bureau (Holdings) plc for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Mortgage Advice Bureau (Holdings) plc
6.54%
-0.50
40.22%
FTSE 100
16.5%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.71%
EBIT Growth (5y)
9.07%
EBIT to Interest (avg)
18.36
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
31.54%
Dividend Payout Ratio
102.21%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
220.84%
ROE (avg)
29.70%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
5.82
EV to EBIT
15.84
EV to EBITDA
12.12
EV to Capital Employed
6.33
EV to Sales
1.43
PEG Ratio
0.21
Dividend Yield
4.82%
ROCE (Latest)
39.95%
ROE (Latest)
41.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Mortgage Advice Bureau (Holdings) plc
Operating Cash Flow
Highest at GBP 54.55 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Interest Coverage Ratio
Highest at 3,413.18
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at GBP 142.6 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 20.21 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Operating Profit Margin
Highest at 14.17 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at GBP 15.72 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Pre-Tax Profit
At GBP 15.72 MM has Grown at 83.57%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 12.2 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
Net Profit
At GBP 12.2 MM has Grown at 61.8%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 0.21
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Debt-Equity Ratio
Lowest at -7.63 %
in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Debtors Turnover Ratio
Highest at 92.84%
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by -11.84% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at GBP 3.85 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Here's what is not working for Mortgage Advice Bureau (Holdings) plc
Dividend Payout Ratio
Lowest at 70.31%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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