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Company price
406.5 GBX 2.00 ( 0.49%)
Last update at 2026-10-27T16:37:00Z
VOLUME
939301
Market Cap
336.53M
P/E
22.31

Momentum Score

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Mortgage Advice Bureau (Holdings) plc, together with its subsidiaries, provides mortgage advice services in the United Kingdom. The company provides advice on buying property, remortgaging, and buy-to-let mortgage products. It also offers business consultancy, technology, adviser recruitment, compliance, training, and marketing services. In addition, the company provides advice on protection and various insurance products, which includes life insurance, income protection, critical illness cover, buildings and contents insurance, and mortgage payment and mover protection services. Mortgage Advice Bureau (Holdings) plc was incorporated in 2000 and is based in Derby, the United Kingdom.

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Day Price Range
400.00
Low
409.50
High
52 Week Price Range
500.00
Low
916.87
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
404.50
Dividend Yield
3.87%
Revenue TTM
317.62M
Revenue Per Share
5.48
Gross Profit TTM
90.80M
Debt / Equity
0.25
ROE
20.34%
Net Debt
-7.93M
ROCE
18.93%
Diluted EPS TTM
0.26

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 22.10M 22.89M 16.18M 17.35M 23.18M
Minority interest - -0.19M 1.01M -0.54M -0.55M
Net income 15.07M 15.90M 13.47M 12.24M 18.72M
Selling general administrative - 18.50M 46.67M 36.00M 29.18M
Selling and marketing expenses - - 0.41M - -
Gross profit 80.11M 81.90M 70.16M 62.95M 52.16M
Reconciled depreciation - 7.56M 7.55M 4.02M 1.33M
Ebit 23.68M 24.78M 16.76M 18.48M 23.30M
Ebitda 34.35M 32.34M 24.31M 26.56M 24.17M
Depreciation and amortization 10.67M 7.56M 7.55M 8.08M 0.87M
Operating income 23.68M 24.75M 14.01M 18.48M 23.30M
Other operating expenses 293.92M 241.79M 225.52M 206.46M 166.88M
Interest expense 1.14M 1.89M 2.61M 0.59M 0.16M
Tax provision - 6.80M 3.72M 4.57M 3.91M
Interest income - 0.58M 0.29M 0.11M 0.04M
Net interest income - -1.31M -2.32M -3.13M -0.12M
Income tax expense 6.74M 6.80M 3.72M 4.57M 3.91M
Total revenue 317.60M 266.54M 239.53M 230.82M 188.66M
Total operating expenses 56.43M 57.16M 56.15M 38.58M 30.37M
Cost of revenue 237.49M 184.64M 169.37M 167.87M 136.51M
Total other income expense net -1.58M -1.86M 2.17M -1.13M -0.12M
Net income from continuing ops - 16.08M 12.46M 12.78M 19.27M
Net income applicable to common shares - - - 12.24M 18.72M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 181.43M 160.83M 158.38M 169.79M 82.28M
Intangible assets 53.87M 48.38M 51.47M 55.82M 2.70M
Other current assets 9.85M 22.58M 6.64M 7.02M 23.35M
Total liab 105.53M 85.73M 83.97M 94.35M 41.30M
Total stockholder equity 74.14M 73.66M 70.20M 67.90M 38.78M
Other current liab 43.68M 12.59M 9.40M 0.45M 2.21M
Common stock 0.06M 0.06M 0.06M 0.06M 0.05M
Capital stock - 0.06M 0.06M 0.06M 0.05M
Retained earnings 11.56M 14.11M 15.92M 15.15M 25.41M
Other liab - - - 32.13M 6.47M
Good will 69.74M 53.88M 53.88M 53.88M 15.15M
Other assets - - -9.32M 2.32M 2.43M
Cash 26.19M 4.19M 21.94M 7.22M 17.55M
Total current liabilities 56.32M 55.22M 52.70M 42.59M 32.59M
Current deferred revenue - - 17.48M - 6.86M
Net debt -7.93M 13.87M -0.95M 20.14M -14.95M
Short term debt 12.64M 5.95M 7.69M 7.74M 0.39M
Short long term debt - 5.10M 5.82M 6.81M -
Short long term debt total 18.25M 18.06M 20.99M 27.35M 2.60M
Other stockholder equity 55.16M 55.16M 48.16M 52.69M 13.32M
Property plant equipment - - - 10.00M 5.12M
Total current assets 39.88M 33.44M 31.26M 35.75M 40.89M
Net tangible assets - - - -41.81M 20.92M
Short term investments 0.43M - -0.30M - -
Net receivables 3.41M 6.67M 2.68M 2.03M 2.03M
Long term debt - 8.73M 12.43M 16.60M -
Accounts payable - 36.50M 35.23M 34.40M 23.12M
Accumulated other comprehensive income 7.36M 4.33M 6.07M - -
Non currrent assets other 0.69M 1.09M 0.35M 12.54M 16.53M
Non current assets total 141.56M 127.39M 127.12M 134.04M 41.39M
Capital lease obligations - 4.22M 2.74M 3.95M 2.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -5.04M -2.52M -54.21M -7.18M
Change to liabilities - - - 0.83M 6.05M
Total cashflows from investing activities -11.02M -5.04M -2.52M -54.21M -7.38M
Net borrowings - -4.35M -5.35M 20.87M -0.35M
Total cash from financing activities -19.77M -23.26M -24.74M 20.92M -18.10M
Change to operating activities - - - 0.07M -0.34M
Net income 15.07M 22.89M 13.47M 17.35M 23.18M
Change in cash 2.51M 1.74M -3.52M -8.95M 1.43M
Begin period cash flow 23.68M 21.94M 25.46M 34.41M 32.98M
End period cash flow 26.19M 23.68M 21.94M 25.46M 34.41M
Total cash from operating activities 33.31M 30.03M 23.74M 24.34M 26.91M
Issuance of capital stock - - 0.00M 40.00M 0.00M
Depreciation 10.67M 7.56M 7.55M 4.02M 1.33M
Other cashflows from investing activities - -2.61M -1.12M - -7.18M
Dividends paid 12.75M 16.17M 16.04M 16.02M 17.34M
Change to account receivables -2.55M -1.18M 1.43M - -
Other cashflows from financing activities -4.72M -2.74M -2.44M 20.34M -0.76M
Change to netincome - - - 7.18M 1.15M
Capital expenditures 1.23M 3.04M 2.05M 3.84M 0.20M
Change in working capital 2.57M 4.25M 3.44M 0.90M 5.72M
Stock based compensation - 2.55M 4.43M 2.98M 1.21M
Other non cash items 5.00M -7.21M -5.15M -0.92M 0.12M
Free cash flow 32.08M 26.99M 21.68M 20.50M 26.71M

Peer Comparison*

Sector: Financial Services Industry: Mortgage Finance

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
MAB1
Mortgage Advice
2.00
0.49%
406.50 22.31 10.87 1.06 4.45 1.07 9.69
OSB
OneSavings Bank PLC
1.40
0.29%
487.20 7.30 6.60 2.90 0.79 5.69 -
PAG
Paragon Banking Group PLC
10.00
1.40%
726.50 8.84 6.69 2.84 0.96 3.81 -
LINV
Lendinvest PLC
-
-%
28.50 27.00 9.68 0.79 0.52 8.46 26.75

Profile*

Mortgage Advice

Mortgage Advice Bureau (Holdings) plc, together with its subsidiaries, provides mortgage advice services in the United Kingdom. The company provides advice on buying property, remortgaging, and buy-to-let mortgage products. It also offers business consultancy, technology, adviser recruitment, compliance, training, and marketing services. In addition, the company provides advice on protection and various insurance products, which includes life insurance, income protection, critical illness cover, buildings and contents insurance, and mortgage payment and mover protection services. Mortgage Advice Bureau (Holdings) plc was incorporated in 2000 and is based in Derby, the United Kingdom.

Capital House, Derby, United Kingdom, DE24 8QR

44 808 2711687

1121

Name Title Year Born
Mr. Peter Christopher Steven Brodnicki Founder, CEO & Exec. Director 1963
Ms. Lucy Claire Tilley CFO & Exec. Director 1972
Mr. Benjamin David Thompson Deputy CEO & Director 1969
Mr. Fabien Holler Company Sec. NA
Mr. Peter Christopher Steven Brodnicki Founder, CEO & Executive Director 1962
Ms. Emilie Nadia Marcelline McCarthy CFO & Director NA
Ms. Yaiza Patricia Luengo Morales COO & Director 1981
Mr. Paul Gill Chief Risk Officer & Director 1971
Mr. Rory Gissane Company Secretary NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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