Download PDF

1. Company Snapshot

1.a. Company Description

Mortgage Advice Bureau (Holdings) plc, together with its subsidiaries, provides mortgage advice services in the United Kingdom.The company provides advice on approximately 16,000 residential and buy-to-let mortgage products through mortgage intermediaries.It also offers advice on protection and general insurance products.


Mortgage Advice Bureau (Holdings) PLC has a strategic alliance with Key Group.The company was incorporated in 2000 and is based in Derby, the United Kingdom.

Show Full description

1.b. Last Insights on MAB1

Mortgage Advice Bureau's recent performance was negatively impacted by the UK market's turbulence, amid weak trade data from China affecting global economic sentiment. High insider ownership in UK growth companies, including Mortgage Advice Bureau, signals confidence in long-term prospects. No recent earnings release data available. The company's stability and resilience are attractive in uncertain times, with investors seeking steady income and potential long-term value appreciation. (Source: Various UK market updates)

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

Card image cap

3 UK Dividend Stocks To Enhance Your Portfolio

Nov -25

Source:

Card image cap

Discover UK Growth Companies With High Insider Ownership

Nov -24

Source:

Card image cap

UK Growth Stocks With High Insider Ownership To Watch

Oct -24

Source:

Card image cap

Top UK Dividend Stocks: Alumasc Group And 2 More

Oct -23

Source:

Card image cap

Top UK Dividend Stocks For September 2025

Sep -24

Source:

Card image cap

Discover 3 UK Growth Companies With Significant Insider Ownership

Sep -17

Source:

Card image cap

UK Growth Companies With High Insider Ownership In September 2025

Sep -02

Source:

Card image cap

3 UK Growth Companies With Strong Insider Ownership

Aug -28

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (10.56%)

6. Segments

Mortgage Procuration Fees

Expected Growth: 12%

Mortgage Procuration Fees from Mortgage Advice Bureau (Holdings) plc grew 12% driven by increasing mortgage approvals, rising house prices, and expansion of the adviser network. Additionally, the company's strategic partnerships and technology investments enhanced operational efficiency, leading to higher revenue generation.

Protection and General Insurance Commission

Expected Growth: 10%

The 10% growth in Protection and General Insurance Commission from Mortgage Advice Bureau (Holdings) plc is driven by increasing demand for mortgage protection products, expansion into new distribution channels, and strategic partnerships. Additionally, regulatory changes favoring mortgage brokers and rising consumer awareness of insurance benefits contribute to this growth.

Client Fees

Expected Growth: 8%

Strong demand for mortgage advice, increasing market share, and expansion of the adviser network drive Client Fees growth. Additionally, the company's diversified revenue streams, including insurance and protection commissions, contribute to the 8% growth rate. Effective cross-selling strategies and a robust technology platform also support revenue expansion.

Other

Expected Growth: 15%

Mortgage Advice Bureau's 15% growth driven by increasing demand for mortgage advice, expansion into new markets, and strategic partnerships. Strong brand recognition, efficient operations, and a skilled advisor network also contribute to growth. Additionally, the company's diversified revenue streams, including mortgage and insurance broking, further support its growth momentum.

7. Detailed Products

Residential Mortgages

Mortgage Advice Bureau offers a range of residential mortgage products to help individuals purchase or remortgage their homes.

Buy-to-Let Mortgages

The company provides buy-to-let mortgage products for landlords and property investors.

Remortgages

Mortgage Advice Bureau offers remortgage products to help homeowners switch to a better mortgage deal or release equity from their property.

Protection Insurance

The company offers protection insurance products to help protect homeowners and their families from unforeseen events.

General Insurance

Mortgage Advice Bureau provides general insurance products to help homeowners protect their properties and contents.

Equity Release

The company offers equity release products to help homeowners release cash from their property.

8. Mortgage Advice Bureau (Holdings) plc's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Mortgage Advice Bureau (Holdings) plc is medium due to the presence of alternative financial institutions and online platforms that offer mortgage services.

Bargaining Power Of Customers

The bargaining power of customers is low as Mortgage Advice Bureau (Holdings) plc has a strong brand presence and a large customer base, making it difficult for individual customers to negotiate prices.

Bargaining Power Of Suppliers

The bargaining power of suppliers is medium as Mortgage Advice Bureau (Holdings) plc relies on a network of mortgage lenders and financial institutions, but has some flexibility to negotiate prices.

Threat Of New Entrants

The threat of new entrants is high as the mortgage advisory market is attractive and has low barriers to entry, making it easy for new companies to enter the market.

Intensity Of Rivalry

The intensity of rivalry is high as the mortgage advisory market is highly competitive, with many established players competing for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 21.46%
Debt Cost 9.61%
Equity Weight 78.54%
Equity Cost 9.61%
WACC 9.61%
Leverage 27.32%

11. Quality Control: Mortgage Advice Bureau (Holdings) plc passed 7 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
SpareBank 1 SMN

A-Score: 7.6/10

Value: 7.0

Growth: 5.6

Quality: 6.1

Yield: 8.8

Momentum: 8.0

Volatility: 10.0

1-Year Total Return ->

View Full Report
Stock-Card
Paragon Banking

A-Score: 7.4/10

Value: 8.2

Growth: 8.7

Quality: 6.6

Yield: 8.1

Momentum: 6.0

Volatility: 7.0

1-Year Total Return ->

View Full Report
Stock-Card
Sparebanken Sør

A-Score: 6.7/10

Value: 7.4

Growth: 3.0

Quality: 6.4

Yield: 9.4

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Hoist Finance

A-Score: 5.2/10

Value: 6.6

Growth: 8.2

Quality: 5.8

Yield: 1.9

Momentum: 6.5

Volatility: 2.0

1-Year Total Return ->

View Full Report
Stock-Card
Mortgage Advice Bureau

A-Score: 5.1/10

Value: 4.1

Growth: 5.9

Quality: 8.0

Yield: 5.6

Momentum: 5.0

Volatility: 2.0

1-Year Total Return ->

View Full Report
Stock-Card
pbb

A-Score: 5.0/10

Value: 8.0

Growth: 2.1

Quality: 4.0

Yield: 7.5

Momentum: 4.0

Volatility: 4.3

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

6.84$

Current Price

6.84$

Potential

-0.00%

Expected Cash-Flows