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

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Thrifts & Mortgage Finance. Price 497p, market value 286 millionp.

## Valuation
- **P/E (trailing): 19.1×** (5-yr avg 3001.4×, 3-yr avg 2821.8×). Mortgage Advice Bureau (Holdings) plc trades at 19.1× trailing earnings, well below its own five-year average of 3001.4×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.9×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.5×**. Each dollar of revenue is priced at 0.5×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 3.9×**. The shares trade at 3.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 4.3×**. Enterprise value is 4.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 21.6%** (5-yr avg 0.1%). Free cash flow equals 21.6% of the market value, above its five-year average of 0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.2%**. The inverse of the P/E: 5.2% of the price is earned each year.

## Profitability
- **Gross margin: 46.4%**. Mortgage Advice Bureau (Holdings) plc keeps 46.4% of revenue after the direct cost of what it sells.
- **Operating margin: 8.2%**. 8.2% of revenue is left after running the business.
- **Net margin: 4.7%**. 4.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 20.3%**. 20.3% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 50.6%**. Return on all capital, debt included, is 50.6%: comfortably above what that capital costs.
- **Return on assets: 17.1%**. Each dollar of assets produces 17.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 19.2%** (3-yr 11.2%/yr, 5-yr 16.5%/yr). Revenue grew 19.2% over the last year, against 16.5% a year compounded over five years.
- **EPS growth (1 yr): -3.7%** (3-yr 5.7%/yr, 5-yr 1.6%/yr). Earnings per share fell 3.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 16.1%/yr**. Free cash flow has compounded at 16.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 27 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.54%** (0p per share, trailing). Mortgage Advice Bureau (Holdings) plc yields 4.54%, an income-level yield.
- **Payout ratio: 85%** (47% of free cash flow). 85% of earnings goes out as dividends, leaving a thin cushion.
- **Dividend growth (5 yr): 11.4%/yr** (1-yr -21.7%). The dividend has compounded at 11.4% a year over five years, doubling roughly every 6 years at that pace.
- **Shareholder yield: 4.5%**. Dividends plus net buybacks return 4.5% of the market value a year.

## Price and momentum
- **Total return (1 yr): -26.9%** (YTD -26.4%, 3-mo -2.7%). The shares are down 26.9% over twelve months including dividends.
- **From 52-week high: -39.2%** (2.7% above the low). Trading 39% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 1.00** (volatility 36%). Beta of 1.00 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MAB1.L · Page: https://foliofundamentals.com/stocks/mab1.l

Not investment advice.