Mortgage Advice Bureau (Holdings)
Mortgage Advice Bureau (Holdings) plc, through its subsidiaries, provides mortgage advice in the United Kingdom. The last earnings update was 35 days ago. More info.
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MAB1 Share Price and Events
7 Day Returns
1 Year Returns
MAB1 Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| Mortgage Advice Bureau (Holdings) (MAB1) | 2.7% | 1.9% | -1.7% | -8.7% | 43.2% | - |
| GB Mortgage | -0.2% | 7.4% | 8.7% | 3.6% | 37.4% | 22.4% |
| GB Market | 0.5% | 3.6% | 7.6% | 0.8% | 15.9% | 6.2% |
1 Year Return vs Industry and Market
- MAB1 underperformed the Mortgage industry which returned 3.6% over the past year.
- MAB1 underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 0.8% over the past year.
MAB1 Value
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
Mortgage Advice Bureau (Holdings)
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Mortgage Advice Bureau (Holdings).
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity = £0.31 * 80.7% |
£0.25 |
| Book Value of Equity per Share | Median Book Value from the past 5 years. | £0.31 |
| Discount Rate (Cost of Equity) | See below | 7.4% |
| Perpetual Growth Rate | 10-Year GB Government Bond Rate | 1.2% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year GB Govt Bond Rate | 1.2% |
| Equity Risk Premium | S&P Global | 6.7% |
| Mortgage Unlevered Beta | Simply Wall St/ S&P Global | 0.9 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.899 (1 + (1- 19%) (0%)) |
0.932 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
0.93 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.932 * 6.65%) |
7.43% |
Discounted Cash Flow Calculation for AIM:MAB1 using Excess Returns Model Model
The calculations below outline how an intrinsic value for Mortgage Advice Bureau (Holdings) is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (80.7% – 7.43%) * £0.31) |
£0.23 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= £0.23 / (7.43% - 1.23%) |
£3.67 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= £0.31 + £3.67 |
£3.98 |
| Calculation | Result | |
|---|---|---|
| Value per share (GBP) | From above. | £3.98 |
| Current discount | Discount to share price of
£5.80
= -1 x (£5.80 - £3.98) / £3.98 |
-45.9% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
- The current share price of Mortgage Advice Bureau (Holdings) is above its future cash flow value.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for Mortgage Advice Bureau (Holdings)'s earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
Mortgage Advice Bureau (Holdings)'s earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2018-12-31) in GBP | £0.26 |
| AIM:MAB1 Share Price ** | AIM (2019-04-23) in GBP | £5.8 |
| United Kingdom of Great Britain and Northern Ireland Mortgage Industry PE Ratio | Median Figure of 6 Publicly-Listed Mortgage Companies | 8.09x |
| United Kingdom of Great Britain and Northern Ireland Market PE Ratio | Median Figure of 797 Publicly-Listed Companies | 16.29x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of Mortgage Advice Bureau (Holdings).
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = AIM:MAB1 Share Price ÷ EPS (both in GBP) = 5.8 ÷ 0.26 |
22.44x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Mortgage Advice Bureau (Holdings) is overvalued based on earnings compared to the GB Mortgage industry average.
- Mortgage Advice Bureau (Holdings) is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does
Mortgage Advice Bureau (Holdings)'s expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | 22.44x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts |
14.8%per year |
| Europe Mortgage Industry PEG Ratio | Median Figure of 6 Publicly-Listed Mortgage Companies | 0.99x |
| United Kingdom of Great Britain and Northern Ireland Market PEG Ratio | Median Figure of 564 Publicly-Listed Companies | 1.48x |
*Line of best fit is calculated by linear regression .
| Calculation | Outcome | |
|---|---|---|
| PEG Ratio | = PE Ratio ÷ Net Income Annual Growth Rate = 22.44x ÷ 14.8% |
1.52x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Mortgage Advice Bureau (Holdings) is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on
Mortgage Advice Bureau (Holdings)'s
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2018-12-31) in GBP | £0.40 |
| AIM:MAB1 Share Price * | AIM (2019-04-23) in GBP | £5.8 |
| United Kingdom of Great Britain and Northern Ireland Mortgage Industry PB Ratio | Median Figure of 7 Publicly-Listed Mortgage Companies | 1.1x |
| United Kingdom of Great Britain and Northern Ireland Market PB Ratio | Median Figure of 1,367 Publicly-Listed Companies | 1.51x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = AIM:MAB1 Share Price ÷ Book Value per Share (both in GBP) = 5.8 ÷ 0.40 |
14.34x |
* Primary Listing of Mortgage Advice Bureau (Holdings).
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Mortgage Advice Bureau (Holdings) is overvalued based on assets compared to the GB Mortgage industry average.
Value checks
We assess Mortgage Advice Bureau (Holdings)'s value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check) Mortgage Advice Bureau (Holdings) has a total score of 0/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
MAB1 Future Performance
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- Mortgage Advice Bureau (Holdings)'s earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
- Mortgage Advice Bureau (Holdings)'s earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
- Mortgage Advice Bureau (Holdings)'s revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| AIM:MAB1 Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts | 14.8% |
| AIM:MAB1 Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts | 14.3% |
| United Kingdom of Great Britain and Northern Ireland Mortgage Industry Earnings Growth Rate | Market Cap Weighted Average | 15.8% |
| United Kingdom of Great Britain and Northern Ireland Mortgage Industry Revenue Growth Rate | Market Cap Weighted Average | 11.2% |
| United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate | Market Cap Weighted Average | 11% |
| United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate | Market Cap Weighted Average | 4.8% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 1 Analyst Estimates (S&P Global) | See Below |
| Date (Data in GBP Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2021-12-31 | 189 | 21 | 1 | |
| 2020-12-31 | 161 | 18 | 1 | |
| 2019-12-31 | 139 | 15 | 1 |
| Date (Data in GBP Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2018-12-31 | 123 | 15 | 13 |
| 2018-09-30 | 120 | 15 | 13 |
| 2018-06-30 | 117 | 15 | 13 |
| 2018-03-31 | 113 | 15 | 12 |
| 2017-12-31 | 109 | 14 | 12 |
| 2017-09-30 | 104 | 13 | 13 |
| 2017-06-30 | 99 | 12 | 14 |
| 2017-03-31 | 96 | 13 | 13 |
| 2016-12-31 | 93 | 13 | 13 |
| 2016-09-30 | 90 | 14 | 11 |
| 2016-06-30 | 87 | 15 | 10 |
| 2016-03-31 | 81 | 13 | 9 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (3 months ago) | See Below |
| Future Estimates | Average of up to 1 Analyst Estimates (S&P Global) | See Below |
All data from Mortgage Advice Bureau (Holdings) Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in GBP Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2021-12-31 | 0.38 | 0.38 | 0.38 | 1.00 |
| 2020-12-31 | 0.33 | 0.33 | 0.33 | 1.00 |
| 2019-12-31 | 0.28 | 0.28 | 0.28 | 1.00 |
| Date (Data in GBP Millions) | EPS * |
|---|---|
| 2018-12-31 | 0.26 |
| 2018-09-30 | 0.25 |
| 2018-06-30 | 0.25 |
| 2018-03-31 | 0.24 |
| 2017-12-31 | 0.24 |
| 2017-09-30 | 0.26 |
| 2017-06-30 | 0.28 |
| 2017-03-31 | 0.27 |
| 2016-12-31 | 0.26 |
| 2016-09-30 | 0.22 |
| 2016-06-30 | 0.19 |
| 2016-03-31 | 0.18 |
*GAAP earnings excluding extraordinary items.
Performance in 3 years
In the same way as past performance we look at the future estimated return
(profit) compared to the available
funds. We do this looking forward 3 years.
- Mortgage Advice Bureau (Holdings) is expected to make outstanding use of shareholders’ funds in the future (Return on Equity greater than 40%).
Future performance checks
We assess Mortgage Advice Bureau (Holdings)'s future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Mortgage Advice Bureau (Holdings) has a total score of 4/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
MAB1 Past Performance
How has Mortgage Advice Bureau (Holdings) performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- Mortgage Advice Bureau (Holdings) has delivered over 20% year on year earnings growth in the past 5 years.
- Mortgage Advice Bureau (Holdings)'s 1-year earnings growth is less than its 5-year average (9.5% vs 22.6%)
- Mortgage Advice Bureau (Holdings)'s earnings growth has exceeded the GB Mortgage industry average in the past year (9.5% vs 9.4%).
Earnings and Revenue History
All data from Mortgage Advice Bureau (Holdings) Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in GBP Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2018-12-31 | 123.29 | 13.19 | 13.20 | |
| 2018-09-30 | 120.20 | 12.93 | 12.74 | |
| 2018-06-30 | 117.11 | 12.66 | 12.28 | |
| 2018-03-31 | 112.98 | 12.35 | 12.09 | |
| 2017-12-31 | 108.85 | 12.04 | 11.91 | |
| 2017-09-30 | 104.11 | 12.99 | 11.54 | |
| 2017-06-30 | 99.37 | 13.93 | 11.18 | |
| 2017-03-31 | 96.11 | 13.42 | 10.74 | |
| 2016-12-31 | 92.85 | 12.92 | 10.30 | |
| 2016-09-30 | 90.08 | 11.31 | 10.00 | |
| 2016-06-30 | 87.32 | 9.70 | 9.71 | |
| 2016-03-31 | 81.39 | 9.18 | 9.22 | |
| 2015-12-31 | 75.47 | 8.66 | 8.72 | |
| 2015-09-30 | 69.56 | 7.48 | 8.07 | |
| 2015-06-30 | 63.66 | 6.30 | 7.42 | |
| 2015-03-31 | 60.12 | 5.84 | 6.84 | |
| 2014-12-31 | 56.58 | 5.39 | 6.26 | |
| 2014-09-30 | 52.38 | 5.17 | 6.35 | |
| 2014-06-30 | 48.19 | 4.95 | 6.45 | |
| 2014-03-31 | 44.13 | 4.55 | 6.10 | |
| 2013-12-31 | 40.07 | 4.14 | 5.75 | |
| 2012-12-31 | 28.37 | 2.08 | 4.91 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- Mortgage Advice Bureau (Holdings) made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%).
- Mortgage Advice Bureau (Holdings) used its assets more efficiently than the GB Mortgage industry average last year based on Return on Assets.
- Unable to establish if Mortgage Advice Bureau (Holdings) improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Past performance checks
We assess Mortgage Advice Bureau (Holdings)'s performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
Mortgage Advice Bureau (Holdings) has a total score of 4/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
MAB1 Health
This company is a bank or financial institution.Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Balance sheet
Assets
Liabilities and shares
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from Mortgage Advice Bureau (Holdings) Company Filings, last reported 3 months ago.
| Date (Data in GBP Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2018-12-31 | 20.67 | 0.00 | 25.59 |
| 2018-09-30 | 20.67 | 0.00 | 25.59 |
| 2018-06-30 | 19.10 | 0.00 | 22.84 |
| 2018-03-31 | 19.10 | 0.00 | 22.84 |
| 2017-12-31 | 18.17 | 0.00 | 22.55 |
| 2017-09-30 | 18.17 | 0.00 | 22.55 |
| 2017-06-30 | 15.69 | 0.00 | 19.00 |
| 2017-03-31 | 15.69 | 0.00 | 19.00 |
| 2016-12-31 | 15.17 | 0.00 | 18.71 |
| 2016-09-30 | 15.17 | 0.00 | 18.71 |
| 2016-06-30 | 14.69 | 0.00 | 16.30 |
| 2016-03-31 | 14.69 | 0.00 | 16.30 |
| 2015-12-31 | 12.91 | 0.00 | 13.96 |
| 2015-09-30 | 12.91 | 0.00 | 13.96 |
| 2015-06-30 | 9.93 | 0.00 | 11.53 |
| 2015-03-31 | 9.93 | 0.00 | 11.53 |
| 2014-12-31 | 7.62 | 0.00 | 9.27 |
| 2014-09-30 | 7.62 | 0.00 | 9.27 |
| 2014-06-30 | 6.41 | 0.00 | 6.31 |
| 2014-03-31 | 6.41 | 0.00 | 6.31 |
| 2013-12-31 | 10.68 | 0.00 | 9.39 |
| 2012-12-31 | 7.18 | 0.00 | 4.74 |
BANK ANALYSIS
This company is a bank or financial institution, which is analysed accordingly below.
- Unable to establish if Mortgage Advice Bureau (Holdings) has an acceptable proportion of non-loan assets without balance sheet data.
- Unable to establish if Mortgage Advice Bureau (Holdings)'s liabilities are primarily made up of low risk funding sources without deposits or liabilities data.
- Mortgage Advice Bureau (Holdings) reports no customer deposits, loans are made up entirely of borrowed funds.
- Mortgage Advice Bureau (Holdings)'s level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- Unable to establish if Mortgage Advice Bureau (Holdings) has a sufficient allowance for bad loans without relevant financial data.
- Unable to establish if Mortgage Advice Bureau (Holdings) has an acceptable level of bad loans without bad loans data.
Financial health checks
We assess Mortgage Advice Bureau (Holdings)'s financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Mortgage Advice Bureau (Holdings) has a total score of 1/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
MAB1 Dividends
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
£2,000 of
Mortgage Advice Bureau (Holdings)
shares you are expected to receive
£80
in your first year as a dividend.
Dividend Amount
- Mortgage Advice Bureau (Holdings)'s pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
- Mortgage Advice Bureau (Holdings)'s dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Upcoming dividend payment
Purchase Mortgage Advice Bureau (Holdings) before the 'Buy Limit' to receive their next dividend payment.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 1 Analyst Estimates (S&P Global) | See Below |
| United Kingdom of Great Britain and Northern Ireland Mortgage Industry Average Dividend Yield | Market Cap Weighted Average of 7 Stocks | 4.6% |
| United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield | Market Cap Weighted Average of 705 Stocks | 4.2% |
| United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield | 10th Percentile | 1% |
| United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield | 25th Percentile | 2% |
| United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield | 75th Percentile | 5.2% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in £) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2021-12-31 | 0.35 | 1.00 |
| 2020-12-31 | 0.30 | 1.00 |
| 2019-12-31 | 0.26 | 1.00 |
| Date (Data in £) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-03-19 | 0.233 | 4.115 |
| 2018-03-20 | 0.214 | 3.617 |
| 2018-03-19 | 0.214 | 3.535 |
| 2017-05-24 | 0.183 | 3.658 |
| 2016-05-26 | 0.190 | 5.751 |
| 2015-09-24 | 0.098 | 2.961 |
| 2015-03-27 | 0.020 | 0.824 |
| 2014-11-12 | 0.060 | 3.380 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Mortgage Advice Bureau (Holdings) has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
- Dividend payments have increased, but Mortgage Advice Bureau (Holdings) only paid a dividend in the past 4 years.
Income/ dividend checks
We assess Mortgage Advice Bureau (Holdings)'s dividend by checking for:- Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can Mortgage Advice Bureau (Holdings) afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) Mortgage Advice Bureau (Holdings) has a total score of 1/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
MAB1 Management
CEO
| COMPENSATION | £598,738 |
| AGE | 55 |
CEO Bio
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
- Peter Christopher's compensation has been consistent with company performance over the past year.
- Peter Christopher's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure
Average tenure and age of the Mortgage Advice Bureau (Holdings) management team in years:
- The tenure for the Mortgage Advice Bureau (Holdings) management team is about average.
Management Team
Peter Christopher Brodnicki
Founder
£599K
55
Haythorn Tilley
Finance Director
£308K
46
3.9 yrs
David Preece
COO & Executive Director
£393K
57
15.3 yrs
Sharon Trinder
Compliance Director
3.3 yrs
Gemma Bacon
Head of Marketing
3.5 yrs
Ben Thompson
MD & Director
49
0.8 yrs
Don MacPherson
Chief Commercial Officer
Board of Directors Tenure
Average tenure and age of the Mortgage Advice Bureau (Holdings) board of directors in years:
- The average tenure for the Mortgage Advice Bureau (Holdings) board of directors is less than 3 years, this suggests a new board.
Board of Directors
Robin Ker
Non-Executive Chairman
£72K
58
4.5 yrs
Peter Christopher Brodnicki
Founder
£599K
55
Haythorn Tilley
Finance Director
£308K
46
3.9 yrs
David Preece
COO & Executive Director
£393K
57
Ben Thompson
MD & Director
49
0.8 yrs
Nathan James Imlach
Senior Independent Non-Executive Director
£37K
49
Stephen Charles Smith
Independent Non-Executive Director
60
1.3 yrs
Who owns this company?
Recent Insider Trading
- More shares have been bought than sold by Mortgage Advice Bureau (Holdings) insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price (£) | Value (£) | |
|---|---|---|---|---|---|---|---|---|---|---|
| 16. Apr 19 | Buy | Lucy Tilley | Individual | 15. Apr 19 | 15. Apr 19 | 52 | £5.78 | £301 | ||
| 14. Mar 19 | Buy | Lucy Tilley | Individual | 14. Mar 19 | 14. Mar 19 | 50 | £5.96 | £298 | ||
| 31. Jan 19 | Buy | Nathan James Imlach | Individual | 31. Jan 19 | 31. Jan 19 | 260 | £5.80 | £1,508 | ||
| 31. Dec 18 | Buy | Nathan James Imlach | Individual | 31. Dec 18 | 31. Dec 18 | 282 | £5.15 | £1,452 | ||
| 17. Dec 18 | Buy | Lucy Tilley | Individual | 14. Dec 18 | 14. Dec 18 | 58 | £5.18 | £300 | ||
| 30. Nov 18 | Buy | Nathan James Imlach | Individual | 30. Nov 18 | 30. Nov 18 | 271 | £5.36 | £1,453 | ||
| 14. Nov 18 | Buy | Lucy Tilley | Individual | 14. Nov 18 | 14. Nov 18 | 54 | £5.56 | £300 | ||
| 31. Oct 18 | Buy | Nathan James Imlach | Individual | 31. Oct 18 | 31. Oct 18 | 251 | £5.80 | £1,456 | ||
| 28. Sep 18 | Buy | Nathan James Imlach | Individual | 28. Sep 18 | 28. Sep 18 | 238 | £6.10 | £1,452 | ||
| 31. Aug 18 | Buy | Nathan James Imlach | Individual | 31. Aug 18 | 31. Aug 18 | 217 | £6.68 | £1,450 | ||
| 14. Aug 18 | Buy | Donna Brenchley | Individual | 14. Aug 18 | 14. Aug 18 | 48 | £6.45 | £310 | ||
| 14. Aug 18 | Buy | Lucy Tilley | Individual | 14. Aug 18 | 14. Aug 18 | 48 | £6.45 | £310 | ||
| 31. Jul 18 | Buy | Nathan James Imlach | Individual | 31. Jul 18 | 31. Jul 18 | 216 | £6.76 | £1,460 | ||
| 29. Jun 18 | Buy | Nathan James Imlach | Individual | 29. Jun 18 | 29. Jun 18 | 226 | £6.40 | £1,446 | ||
| 14. Jun 18 | Buy | Donna Brenchley | Individual | 14. Jun 18 | 14. Jun 18 | 48 | £6.25 | £300 | ||
| 14. Jun 18 | Buy | Lucy Tilley | Individual | 14. Jun 18 | 14. Jun 18 | 48 | £6.25 | £300 | ||
| 31. May 18 | Buy | Richard Verdin | Individual | 31. May 18 | 31. May 18 | 114 | £6.12 | £698 | ||
| 31. May 18 | Buy | Nathan James Imlach | Individual | 31. May 18 | 31. May 18 | 236 | £6.12 | £1,444 | ||
| 15. May 18 | Buy | Donna Brenchley | Individual | 10. May 18 | 10. May 18 | 48 | £6.14 | £295 | ||
| 15. May 18 | Buy | Lucy Tilley | Individual | 14. May 18 | 14. May 18 | 48 | £6.14 | £295 | ||
| 30. Apr 18 | Buy | Richard Verdin | Individual | 30. Apr 18 | 30. Apr 18 | 200 | £6.34 | £1,268 | ||
| 30. Apr 18 | Buy | Nathan James Imlach | Individual | 30. Apr 18 | 30. Apr 18 | 229 | £6.34 | £1,452 | ||
Management checks
We assess Mortgage Advice Bureau (Holdings)'s management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) Mortgage Advice Bureau (Holdings) has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
MAB1 News
Simply Wall St News
Mortgage Advice Bureau (Holdings) PLC (LON:MAB1): Ex-Dividend Is In 2 Days
To qualify for the dividend check of UK£0.13 per share, investors must have owned the shares prior to 25 April 2019, which is the last day the company's management will finalize their list of shareholders to which they will send dividend payments. … Is this future income stream a compelling catalyst for dividend investors to think about the stock as an investment today? … Let's take a look at Mortgage Advice Bureau (Holdings)'s most recent financial data to examine its dividend characteristics in more detail.
Simply Wall St - – Full articleWhat Do Analysts Think About Mortgage Advice Bureau (Holdings) PLC's (LON:MAB1) Earnings Outlook?
In December 2018, Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) announced its most recent earnings update, whicha
Simply Wall St - – Full articleHow Do Analysts See Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) Performing Over The Next Year?
As Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) announced its earnings release on 31 December 2018, … as a 14% rise in profits is expected in the upcoming year, … the higher past 5-year average growth rate of 23%.
Simply Wall St - – Full articleDoes Mortgage Advice Bureau (Holdings) PLC's (LON:MAB1) CEO Salary Reflect Performance?
The CEO of Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) is Peter Christopher Brodnicki. … How Does Peter Christopher Brodnicki's Compensation Compare With Similar Sized Companies. … Our data indicates that Mortgage Advice Bureau (Holdings) PLC is worth UK£279m, and total annual CEO compensation is UK£599k.
Simply Wall St - – Full articleHow Does Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) Affect Your Portfolio Volatility?
Modern finance theory considers volatility to be a measure of risk, and there are two main types of price volatility. … Beta is a widely used metric to measure a stock's exposure to market risk (volatility). … Before we go on, it's worth noting that Warren Buffett pointed out in his 2014 letter to shareholders that 'volatility is far from synonymous with risk.' Having said that, beta can still be rather useful.
Simply Wall St - – Full articleWhen Should You Buy Mortgage Advice Bureau (Holdings) PLC (LON:MAB1)?
Mortgage Advice Bureau (Holdings) PLC (LON:MAB1), operating in the financial services industry based in United Kingdom,. … As a small cap stock, hardly covered by any analysts, there is generally more of an opportunity for mispricing as there is less activity to push the stock closer to fair value? … Let’s take a look at Mortgage Advice Bureau (Holdings)’s outlook and value based on the most recent financial data to see if the opportunity still exists
Simply Wall St - – Full articleHere's What Mortgage Advice Bureau (Holdings) PLC's (LON:MAB1) P/E Is Telling Us
This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … We'll look at Mortgage Advice Bureau (Holdings) PLC's (LON:MAB1) P/E ratio and reflect on what it tells us about the company's share price. … Mortgage Advice Bureau (Holdings) has a price to earnings ratio of 21.77, based on the last twelve months.
Simply Wall St - – Full articleIs Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) A Strong Dividend Stock?
In the last few years Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) has paid a dividend to shareholders. … Does Mortgage Advice Bureau (Holdings) tick all the boxes of a great dividend stock? … See our latest analysis for Mortgage Advice Bureau (Holdings)
Simply Wall St - – Full articleHow Many Insiders Sold Mortgage Advice Bureau (Holdings) PLC (LON:MAB1) Shares?
So before you buy or sell Mortgage Advice Bureau (Holdings) PLC (LON:MAB1), you may well want to know whether insiders have been buying or selling. … Mortgage Advice Bureau (Holdings) Insider Transactions Over The Last Year. … In total, Mortgage Advice Bureau (Holdings) insiders sold more than they bought over the last year.
Simply Wall St - – Full articleWhat You Must Know About Mortgage Advice Bureau (Holdings) PLC's (LON:MAB1) Beta Value
In finance, Beta is a measure of volatility. … Modern finance theory considers volatility to be a measure of risk, and there are two main types of price volatility. … Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility).
Simply Wall St - – Full articleMAB1 Company Info
Description
Mortgage Advice Bureau (Holdings) plc, through its subsidiaries, provides mortgage advice in the United Kingdom. It provides advice on approximately 12,000 residential and buy-to-let mortgage products through mortgage intermediaries. The company offers its services over the phone and face to face for customers. It also provides advice on protection and general insurance products. The company was incorporated in 2000 and is based in Derby, the United Kingdom.
Details
| Name: | Mortgage Advice Bureau (Holdings) PLC |
| MAB1 | |
| Exchange: | AIM |
| Founded: | 2000 |
| £296,413,106 | |
| 51,105,708 | |
| Website: | http://www.mortgageadvicebureau.com |
| Address: |
Mortgage Advice Bureau (Holdings) PLC Capital House, Pride Place, Derby, Derbyshire, DE24 8QR, United Kingdom |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| AIM | MAB1 | Ordinary Shares | London Stock Exchange AIM Market | GB | GBP | 12. Nov 2014 | |
| OTCPK | MABH.F | Ordinary Shares | Pink Sheets LLC | US | USD | 12. Nov 2014 |
Number of employees
Current staff
Industry
| Thrifts and Mortgage Finance | |
| Banks |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/04/23 22:03 |
| End of day share price update: | 2019/04/23 00:00 |
| Last estimates confirmation: | 2019/03/29 |
| Last earnings filing: | 2019/03/19 |
| Last earnings reported: | 2018/12/31 |
| Last annual earnings reported: | 2018/12/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
