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 16.45%
- Company's ability to service its debt is strong with a healthy EBIT to Interest (avg) ratio of 18.36
2
With a growth in Operating Profit of 42.36%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at GBP 63.82 MM
- NET SALES(Q) Highest at GBP 169.67 MM
- INTEREST COVERAGE RATIO(Q) Highest at 3,540.46
3
With ROE of 42.72%, it has a very expensive valuation with a 4.29 Price to Book Value
- Over the past year, while the stock has generated a return of -34.63%, its profits have fallen by -1.4%
4
Below par performance in long term as well as near term
- Along with generating -34.63% returns in the last 1 year, the stock has also underperformed FTSE 100 in the last 3 years, 1 year and 3 months
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
-34.63%
-0.95
36.66%
FTSE 100
17.87%
1.52
11.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.45%
EBIT Growth (5y)
8.24%
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
86.51%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
220.84%
ROE (avg)
29.70%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
4.29
EV to EBIT
12.85
EV to EBITDA
8.86
EV to Capital Employed
5.06
EV to Sales
0.96
PEG Ratio
NA
Dividend Yield
4.10%
ROCE (Latest)
39.36%
ROE (Latest)
42.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at GBP 63.82 MM
NET SALES(Q)
Highest at GBP 169.67 MM
INTEREST COVERAGE RATIO(Q)
Highest at 3,540.46
CASH AND EQV(HY)
Highest at GBP 26.62 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -11.28 %
DEBTORS TURNOVER RATIO(HY)
Highest at 98.1 times
OPERATING PROFIT(Q)
Highest at GBP 20.22 MM
-2What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 12.12% (YoY
NET PROFIT(Q)
Fallen at -27.38%
Here's what is working for Mortgage Advice Bureau (Holdings) plc
Operating Cash Flow
Highest at GBP 63.82 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)
Net Sales
Highest at GBP 169.67 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (GBP MM)
Interest Coverage Ratio
Highest at 3,540.46
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Profit
Highest at GBP 20.22 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Cash and Eqv
Highest at GBP 26.62 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debt-Equity Ratio
Lowest at -11.28 %
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 98.1 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Depreciation
Highest at GBP 6.45 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Depreciation
At GBP 6.45 MM has Grown at 52.89%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (GBP MM)
Here's what is not working for Mortgage Advice Bureau (Holdings) plc
Net Profit
Fallen at -27.38%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (GBP MM)
Raw Material Cost
Grown by 12.12% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
