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Mortgage Advice Bureau (Holdings) plc (MAB1.L)

GBp532.00 -2.00 (-0.37%)
GB LSE Financial Services Financial - Mortgages
Address Capital House DE24 8QR
Derby, GB
CEO Peter Christopher Steven Brodnicki
IPO 2014-11-12
ISIN GB00BQSBH502

Explore sections of this company profile

Description

Mortgage Advice Bureau (Holdings) plc, along with its group entities, specializes in delivering mortgage advisory services across the United Kingdom. The firm provides expert guidance on an extensive array of approximately 16,000 residential and buy-to-let mortgage products, facilitated through its network of mortgage intermediaries. Beyond mortgages, their offerings also encompass advice on protection and general insurance policies. This company maintains a strategic alliance with Key Group. Established in 2000, its headquarters are situated in Derby, UK.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp532.00 -2.00 (-0.37%)
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Volume Profile
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Liquidity & share structure
Average Volume
378.1K
Beta
1.04
Float Shares
38.34M
Free Float %
66.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.75% -0.74% +0.56% -16.93% -26.10% -22.24% -34.44% -26.51% -55.69% +54.07% +234.38%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
532.00
DCF (Unlevered) 1,307.81 +145.8%
DCF (Levered) 1,419.92 +166.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
5.79
Safe zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +19.2% Q4'25: +41.3% (vs Q4'23)
  • EPS growth Financial - Mortgages: +18.3%
    -3.7% Q4'25: +16.7% (vs Q4'23)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    +8.8% Q4'25: +11.3% (vs Q4'23)
  • EBIT margin Financial - Mortgages: +34.8%
    +7.5% Q4'25: +8.1% (vs Q4'23)
  • ROIC Financial - Mortgages: +4.9%
    +24.4% Q4'25: +55.6% (vs Q4'23)
  • Share dilution Financial - Mortgages: 0.0%
    +0.9% Q4'25: +1.8% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    0.53× Q4'25: 0.23× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.04) × ERP
WACC = 94% × Ke + 6% × Kd (6.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,307.81 Current price: 532.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
2 EPS Ana.
Dec 2027
2 Rev. Ana.
2 EPS Ana.
Dec 2028
2 Rev. Ana.
2 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
56.58M
est: 57.85M (-2.2%)
75.47M
est: 75.00M (+0.6%)
92.85M
est: 92.00M (+0.9%)
108.85M
est: 108.60M (+0.2%)
123.29M
est: 123.00M (+0.2%)
143.74M
est: 143.00M (+0.5%)
148.30M
est: 148.02M (+0.2%)
188.97M
est: 190.10M (-0.6%)
230.88M
est: 230.17M (+0.3%)
239.53M
est: 243.31M (-1.6%)
266.54M
est: 266.00M (+0.2%)
317.60M
est: 318.00M (-0.1%)
356.70M
353.74M – 359.66M
+12.2% YoY
396.87M
395.56M – 398.17M
+11.3% YoY
438.54M
436.57M – 440.51M
+10.5% YoY
492.32M
489.53M – 495.10M
+12.3% YoY
533.13M
530.12M – 536.15M
+8.3% YoY
EBITDA
7.52M
est: 6.37M (+18.0%)
846.0K
est: 9.38M (-91.0%)
14.83M
est: 13.16M (+12.7%)
14.25M
est: 18.29M (-22.1%)
15.57M
est: 16.56M (-5.9%)
18.35M
est: 18.87M (-2.8%)
16.42M
est: 14.59M (+12.5%)
23.66M
est: 20.04M (+18.0%)
21.25M
est: 24.08M (-11.7%)
24.31M
est: 26.68M (-8.9%)
32.34M
est: 29.17M (+10.9%)
34.35M
est: 34.87M (-1.5%)
39.11M
38.78M – 39.43M
+12.2% YoY
43.51M
43.37M – 43.66M
+11.3% YoY
48.08M
47.87M – 48.30M
+10.5% YoY
53.98M
53.67M – 54.28M
+12.3% YoY
58.45M
58.12M – 58.78M
+8.3% YoY
EBIT
7.39M
est: 5.29M (+39.6%)
9.57M
est: 6.88M (+39.0%)
11.85M
est: 12.63M (-6.1%)
13.99M
est: 17.87M (-21.7%)
15.68M
est: 16.22M (-3.3%)
17.78M
est: 18.38M (-3.2%)
15.09M
est: 14.09M (+7.1%)
22.33M
est: 19.35M (+15.4%)
17.23M
est: 23.25M (-25.9%)
16.76M
est: 20.94M (-20.0%)
24.78M
est: 39.55M (-37.3%)
23.68M
est: 27.37M (-13.5%)
30.70M
30.44M – 30.95M
+12.2% YoY
34.15M
34.04M – 34.27M
+11.3% YoY
37.74M
37.57M – 37.91M
+10.5% YoY
42.37M
42.13M – 42.61M
+12.3% YoY
45.88M
45.62M – 46.14M
+8.3% YoY
Net Income
5.39M
est: 7.20M (-25.2%)
8.66M
est: 9.24M (-6.3%)
12.92M
est: 10.64M (+21.4%)
12.04M
est: 15.23M (-21.0%)
13.19M
est: 13.48M (-2.1%)
14.50M
est: 15.54M (-6.7%)
12.38M
est: 11.58M (+6.9%)
18.72M
est: 15.91M (+17.7%)
12.24M
est: 10.96M (+11.6%)
13.47M
est: 10.99M (+22.5%)
15.90M
est: 23.09M (-31.1%)
15.07M
est: 25.79M (-41.6%)
31.17M
30.32M – 32.02M
+20.8% YoY
37.00M
36.65M – 37.35M
+18.7% YoY
42.89M
41.75M – 44.03M
+15.9% YoY
50.16M
49.79M – 50.53M
+16.9% YoY
56.83M
56.42M – 57.25M
+13.3% YoY
SGA
6.26M
est: 8.36M (-25.2%)
8.72M
est: 10.88M (-19.8%)
10.28M
est: 10.72M (-4.1%)
11.90M
est: 12.14M (-2.0%)
13.16M
est: 13.33M (-1.3%)
18.26M
est: 15.55M (+17.4%)
22.74M
est: 14.29M (+59.1%)
27.84M
est: 19.63M (+41.9%)
36.41M
est: 23.58M (+54.4%)
46.67M
est: 27.70M (+68.5%)
18.50M
est: 40.11M (-53.9%)
est: 36.21M (-100.0%)
40.61M
40.28M – 40.95M
+12.2% YoY
45.19M
45.04M – 45.34M
+11.3% YoY
49.93M
49.71M – 50.16M
+10.5% YoY
56.06M
55.74M – 56.37M
+12.3% YoY
60.70M
60.36M – 61.05M
+8.3% YoY
EPS
0.10
est: 0.12 (-22.5%)
0.17
est: 0.16 (+7.3%)
0.26
est: 0.20 (+31.5%)
0.24
est: 0.23 (+4.5%)
0.26
est: 0.25 (+4.4%)
0.28
est: 0.29 (-2.1%)
0.24
est: 0.26 (-9.3%)
0.35
est: 0.38 (-7.2%)
0.22
est: 0.35 (-37.2%)
0.24
est: 0.19 (+27.8%)
0.28
est: 0.39 (-29.0%)
0.26
est: 0.44 (-41.4%)
0.53
0.52 – 0.55
+19.5% YoY
0.63
0.63 – 0.64
+19.2% YoY
0.73
0.71 – 0.75
+16.0% YoY
0.86
0.85 – 0.86
+16.9% YoY
0.97
0.96 – 0.98
+13.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-28 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-27 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-26 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-22 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-21 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-20 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-19 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-18 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-15 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-14 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-13 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-12 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-11 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-08 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-07 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-06 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-05 A- 4/5 5/5 5/5 5/5 3/5 1/5 1/5
2026-05-01 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-30 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-29 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-28 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-27 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-24 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-23 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-22 B+ 3/5 5/5 5/5 5/5 2/5 1/5 1/5
2026-04-21 A- 4/5 5/5 5/5 5/5 2/5 2/5 1/5
2026-04-20 A- 4/5 5/5 5/5 5/5 2/5 2/5 1/5
2026-04-17 A- 4/5 5/5 5/5 5/5 2/5 2/5 1/5
2026-04-16 A- 4/5 5/5 5/5 5/5 2/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
67.62M
OE per share TTM
1.16
Owner's Yield
21.78%
Maintenance CapEx ratio
10.31%
Maint CapEx / Avg PPE
3.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 10 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L 0.22% 23.5K 0.29%
2 WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE 0.10% 91.6K 0.38%
3 WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L 0.10% 91.6K 0.38%
4 WisdomTree Dynamic International SmallCap Equity ETF DDLS 0.04% 169.2K 0.48%
5 WisdomTree International SmallCap Dividend Fund DLS 0.04% 393.2K 0.58%
6 State Street SPDR FTSE UK All Share UCITS ETF (Dist) FTAD.L 0.01% 91.4K 0.20%
7 State Street SPDR FTSE UK All Share UCITS ETF (Acc) FTAL.L 0.01% 91.4K 0.20%
8 Avantis International Small Cap Equity ETF AVDS 0.01% 25.2K 0.30%
9 Dimensional - International Small Cap ETF DFIS 0.00% 253.3K 0.39%
10 Avantis International Equity ETF AVDE 0.00% 321.2K 0.23%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
25.3K
Shares Outstanding
57.54M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Peter Christopher Steven Brodnicki Founder, Chief Executive Officer & Executive Director 918.0K male
Emilie Nadia Marcelline McCarthy Chief Financial Officer & Director 640.0K female
Paul Gill Chief Risk Officer & Director 451.0K male
Rory Gissane Company Secretary male
Yaiza Patricia Luengo Morales COO & Director female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits