| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 4/6 |
| Financial Health | 1/6 |
| Dividends | 2/6 |
MAB1 Stock Overview
Mortgage Advice Bureau (Holdings) PLC, together with its subsidiaries, provides mortgage advice services in the United Kingdom.
Mortgage Advice Bureau (Holdings) Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£14.30 |
| 52 Week High | UK£15.00 |
| 52 Week Low | UK£8.22 |
| Beta | 0.99 |
| 1 Month Change | 4.76% |
| 3 Month Change | 6.72% |
| 1 Year Change | 71.26% |
| 3 Year Change | 137.15% |
| 5 Year Change | 286.62% |
| Change since IPO | 780.00% |
Recent News & Updates
Here's Why I Think Mortgage Advice Bureau (Holdings) (LON:MAB1) Is An Interesting Stock
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Shareholder Returns
| MAB1 | GB Mortgage | GB Market | |
|---|---|---|---|
| 7D | -0.3% | 1.5% | -0.5% |
| 1Y | 71.3% | 28.1% | 8.7% |
Return vs Industry: MAB1 exceeded the UK Mortgage industry which returned 28.1% over the past year.
Return vs Market: MAB1 exceeded the UK Market which returned 8.7% over the past year.
Price Volatility
| MAB1 volatility | |
|---|---|
| MAB1 Average Weekly Movement | 5.1% |
| Mortgage Industry Average Movement | 2.8% |
| Market Average Movement | 5.0% |
| 10% most volatile stocks in GB Market | 10.5% |
| 10% least volatile stocks in GB Market | 2.4% |
Stable Share Price: MAB1 is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: MAB1's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2000 | 391 | Peter Christopher Brodnicki | https://www.mortgageadvicebureau.com |
Mortgage Advice Bureau (Holdings) PLC, together with its subsidiaries, provides mortgage advice services in the United Kingdom. The company provides advice on approximately 12,000 residential and buy-to-let mortgage products through mortgage intermediaries. It also offers advice on protection and general insurance products.
Mortgage Advice Bureau (Holdings) Fundamentals Summary
| MAB1 fundamental statistics | |
|---|---|
| Market Cap | UK£758.17m |
| Earnings (TTM) | UK£15.90m |
| Revenue (TTM) | UK£177.04m |
47.9x
P/E Ratio21.4x
P/B RatioIs MAB1 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| MAB1 income statement (TTM) | |
|---|---|
| Revenue | UK£177.04m |
| Cost of Revenue | UK£130.03m |
| Gross Profit | UK£47.02m |
| Expenses | UK£31.12m |
| Earnings | UK£15.90m |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.30 |
| Gross Margin | 26.56% |
| Net Profit Margin | 8.98% |
| Debt/Equity Ratio | 0% |
How did MAB1 perform over the long term?
See historical performance and comparisonDividends
2.3%
Current Dividend Yield129%
Payout RatioValuation
Is Mortgage Advice Bureau (Holdings) undervalued compared to its fair value and its price relative to the market?
47.86x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: MAB1 (£14.25) is trading above our estimate of fair value (£5.88)
Significantly Below Fair Value: MAB1 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: MAB1 is poor value based on its PE Ratio (47.7x) compared to the UK Mortgage industry average (9.1x).
PE vs Market: MAB1 is poor value based on its PE Ratio (47.7x) compared to the UK market (19.5x).
Price to Earnings Growth Ratio
PEG Ratio: MAB1 is poor value based on its PEG Ratio (2.3x)
Price to Book Ratio
PB vs Industry: MAB1 is overvalued based on its PB Ratio (21.4x) compared to the GB Mortgage industry average (1.2x).
Future Growth
How is Mortgage Advice Bureau (Holdings) forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
20.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MAB1's forecast earnings growth (20.8% per year) is above the savings rate (0.9%).
Earnings vs Market: MAB1's earnings (20.8% per year) are forecast to grow faster than the UK market (12.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: MAB1's revenue (17.6% per year) is forecast to grow faster than the UK market (4.8% per year).
High Growth Revenue: MAB1's revenue (17.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MAB1's Return on Equity is forecast to be very high in 3 years time (55%).
Past Performance
How has Mortgage Advice Bureau (Holdings) performed over the past 5 years?
4.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MAB1 has high quality earnings.
Growing Profit Margin: MAB1's current net profit margins (9%) are lower than last year (9.4%).
Past Earnings Growth Analysis
Earnings Trend: MAB1's earnings have grown by 4% per year over the past 5 years.
Accelerating Growth: MAB1's earnings growth over the past year (16.6%) exceeds its 5-year average (4% per year).
Earnings vs Industry: MAB1 earnings growth over the past year (16.6%) underperformed the Mortgage industry 16.6%.
Return on Equity
High ROE: MAB1's Return on Equity (43.9%) is considered outstanding.
Financial Health
How is Mortgage Advice Bureau (Holdings)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MAB1's Assets to Equity ratio (2.1x) is low.
Allowance for Bad Loans: Insufficient data to determine if MAB1 has a sufficient allowance for bad loans.
Low Risk Liabilities: MAB1 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if MAB1 has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: MAB1 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if MAB1 has an appropriate level of bad loans.
Dividend
What is Mortgage Advice Bureau (Holdings) current dividend yield, its reliability and sustainability?
2.28%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MAB1's dividend (2.29%) is higher than the bottom 25% of dividend payers in the UK market (1.39%).
High Dividend: MAB1's dividend (2.29%) is low compared to the top 25% of dividend payers in the UK market (4.05%).
Stability and Growth of Payments
Stable Dividend: MAB1 has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: MAB1's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (129.5%), MAB1's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: MAB1's dividends in 3 years are forecast to be covered by earnings (76.4% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.3yrs
Average management tenure
CEO
Peter Christopher Brodnicki (58 yo)
22yrs
Tenure
UK£758,000
Compensation
Mr. Peter Christopher Steven Brodnicki serves as the Chief Executive Officer of Mortgage Advice Bureau (Holdings) PLC and serves as its Executive Director.
CEO Compensation Analysis
Compensation vs Market: Peter Christopher's total compensation ($USD1.04M) is about average for companies of similar size in the UK market ($USD1.07M).
Compensation vs Earnings: Peter Christopher's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: MAB1's management team is seasoned and experienced (6.3 years average tenure).
Board Members
Experienced Board: MAB1's board of directors are considered experienced (5.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: MAB1 insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Mortgage Advice Bureau (Holdings) plc's employee growth, exchange listings and data sources
Key Information
- Name: Mortgage Advice Bureau (Holdings) plc
- Ticker: MAB1
- Exchange: AIM
- Founded: 2000
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: UK£758.166m
- Shares outstanding: 53.20m
- Website: https://www.mortgageadvicebureau.com
Number of Employees
Location
- Mortgage Advice Bureau (Holdings) plc
- Capital House
- Pride Place
- Derby
- Derbyshire
- DE24 8QR
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/17 18:55 |
| End of Day Share Price | 2022/01/17 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.