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Mortgage Advice

Mortgage Advice

MAB1 · LSE · Financial Services / Mortgage Finance

395.00GBX-5.50 (-1.37%)

Price History

Full chart

Market Stats

Previous Close400.50
Open403.00
Day Range390.50 – 403.00
52-Week Range330.00 – 778.49
Volume90.67K
Market Cap191.57M
P/E (TTM)12.79
Forward P/E6.86
EPS0.26
Dividend Yield6.98%
Beta1.03
50-Day Avg462.21
200-Day Avg558.77

About

Mortgage Advice Bureau (Holdings) plc, together with its subsidiaries, provides mortgage advice, and advice on protection and general insurance products in the United Kingdom. The company provides advice on protection and various insurance products, which include term assurance, income protection, critical illness, and family protection. Mortgage Advice Bureau (Holdings) plc was incorporated in 2000 and is based in Derby, the United Kingdom.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. Peter Christopher Steven Brodnicki
  • Employees1.12K
  • HeadquartersCapital House, Derby, United Kingdom, DE24 8QR, UK
  • Websitehttps://www.mortgageadvicebureau.com

Leadership

  • Mr. Peter Christopher Steven BrodnickiFounder, CEO & Executive Director · b. 1962
  • Ms. Emilie Nadia Marcelline McCarthyCFO & Director · b. 1980

Financials

Income Statement

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue18.18M28.38M40.07M56.58M75.47M92.85M108.85M123.29M143.74M148.30M188.97M230.88M239.53M266.54M317.60M
Growth (%)-+56.07%+41.19%+41.21%+33.38%+23.03%+17.23%+13.27%+16.59%+3.17%+27.43%+22.17%+3.75%+11.27%+19.16%
Cost of Revenue12.89M20.99M29.68M42.93M57.17M70.70M82.96M94.89M107.45M109.81M139.02M171.89M169.37M184.64M237.49M
Gross Profit5.30M7.39M40.07M13.65M18.29M22.15M25.89M28.40M36.29M38.48M49.95M58.98M70.16M81.90M80.11M
Gross Margin29.13%26.04%100.00%24.12%24.24%23.85%23.78%23.03%25.24%25.95%26.43%25.55%29.29%30.73%25.22%
Operating Expense3.52M4.94M35.43M6.26M8.72M10.30M11.89M13.16M17.75M23.51M26.65M40.50M56.15M57.16M56.43M
Operating Income1.78M2.46M4.64M7.39M9.57M11.85M13.99M15.24M18.54M14.97M23.30M18.48M14.01M24.75M23.68M
Operating Margin9.77%8.65%11.57%13.06%12.68%12.76%12.86%12.36%12.89%10.10%12.33%8.01%5.85%9.28%7.46%
EBITDA1.85M2.36M4.73M7.52M9.72M14.83M14.25M15.57M18.35M16.42M23.66M21.25M24.31M32.34M34.35M
EBITDA Margin10.15%8.33%11.81%13.29%12.88%15.97%13.09%12.63%12.76%11.07%12.52%9.21%10.15%12.13%10.82%
Net Income1.32M2.08M4.14M5.39M8.66M12.92M12.04M13.19M14.50M12.38M18.72M12.24M13.47M15.90M15.07M
Net Income Margin7.23%7.34%10.34%9.53%11.47%13.91%11.06%10.70%10.09%8.35%9.91%5.30%5.62%5.96%4.75%
Interest Expense08.73K00000086.00K234.00K160.00K1.24M2.61M1.89M1.14M
Interest Expense % of Total Revenue0.00%0.03%0.00%0.00%0.00%0.00%0.00%0.00%0.06%0.16%0.08%0.54%1.09%0.71%0.36%

Balance Sheet

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets5.62M12.09M17.64M16.81M24.29M29.89M36.10M42.31M58.73M69.02M82.28M169.79M158.38M160.83M181.43M
Total Liabilities3.14M4.91M1.04M1.33M1.48M1.83M2.05M2.28M31.54M31.58M41.30M94.35M83.97M85.73M105.53M
Total Equity2.48M7.18M10.68M7.62M12.90M15.17M18.17M20.67M25.59M35.54M38.78M67.90M70.20M73.66M74.14M
Cash3.52M4.74M9.39M9.27M13.96M18.71M22.55M25.59M20.87M32.98M34.41M25.46M21.94M4.19M26.19M
Total Debt--------5.62M2.69M2.63M27.35M20.99M18.06M18.25M
Net Debt-3.52M-4.74M-9.39M-9.27M-13.96M-18.71M-22.55M-25.59M-15.24M-30.29M-31.78M1.89M-954.00K13.87M-7.93M

Cash Flow

Currency: GBP2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow872.17K1.39M4.95M8.36M10.96M13.36M14.46M14.87M20.40M17.82M26.91M24.34M23.74M30.03M33.31M
Investing Cash Flow-6.55K206.34K83.82K-139.00K-2.89M2.20M-466.00K-898.00K-14.08M-2.65M-7.38M-54.21M-2.52M-5.04M-11.02M
Financing Cash Flow-299.07K-373.90K-386.69K-8.34M-3.38M-10.80M-10.15M-10.93M-11.05M-3.05M-18.10M20.92M-24.74M-23.26M-19.77M
Capital Expenditure76.40K110.46K112.54K139.00K2.55M292.00K129.00K175.00K187.00K307.00K205.00K3.84M2.05M3.04M1.23M
Free Cash Flow795.77K1.28M4.84M8.22M8.41M13.06M14.33M14.70M20.22M17.51M26.71M20.50M21.68M26.99M32.08M
Dividends Paid330.45K383.00K640.78K3.96M3.48M10.87M10.71M11.50M12.24M6.71M17.34M16.02M16.04M16.17M12.75M
FCF to OCF91.24%92.06%97.73%98.34%76.74%97.81%99.11%98.82%99.08%98.28%99.24%84.21%91.35%89.88%96.31%
Dividend Paid to FCF41.53%29.91%13.25%48.14%41.41%83.23%74.77%78.25%60.52%38.33%64.92%78.17%73.96%59.90%39.74%

Earnings

Report DateApr 18, 2016Sep 28, 2016Mar 28, 2017Sep 26, 2017Mar 20, 2018Sep 25, 2018Mar 19, 2019Sep 24, 2019Mar 24, 2020Sep 29, 2020Apr 19, 2021Sep 28, 2021Mar 28, 2022Sep 27, 2022Mar 28, 2023Apr 1, 2025Sep 23, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.00-----0.190.00
EPS Actual0.100.090.170.100.130.110.140.120.160.100.140.160.190.140.080.210.18
Surprise---------------9.95%-
Timing-Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-market-Pre-market-Pre-marketAfter-hoursPre-marketPre-market--

Key Statistics & Ratios

Market Cap191.57M
Enterprise Value233.72M
Trailing P/E12.79
Forward P/E6.86
PEG Ratio0.00
Price / Sales0.58
Price / Book3.20
EPS0.26
Book Value1.28
Revenue (TTM)330.34M
Gross Profit (TTM)97.13M
Profit Margin3.60%
Operating Margin5.64%
Return on Equity17.31%
Return on Assets6.89%
Shares Outstanding57.61M
Shares Float38.06M
Beta1.03
Dividend Yield6.98%
Dividend Rate0.23
Payout Ratio85.27%

Dividends

20261×
0.15Apr 23, 2026
20252×
0.07Oct 2, 20250.15Apr 24, 2025
20242×
0.13Oct 3, 20240.15Apr 25, 2024
20232×
0.13Oct 5, 20230.15Apr 27, 2023
20222×
0.13Oct 6, 20220.15Apr 28, 2022
20212×
0.13Sep 30, 20210.19Apr 29, 2021
20202×
0.06Nov 26, 20200.06Apr 30, 2020
20192×
0.11Oct 3, 20190.13Apr 25, 2019
20182×
0.11Oct 4, 20180.12Apr 26, 2018
20173×
0.10Oct 5, 20170.10May 4, 20170.01Feb 9, 2017
20163×
0.08Oct 6, 20160.04Aug 11, 20160.10May 5, 2016
20151×
0.05Oct 1, 2015