Mortgage Advice Bureau (Holdings)

MAB1 · Main Market · Financial Services · mcap £190m · 334.0p

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Financials · LTM to 30 Jun 26

Source: results 22 Sep 26 ↗

Revenue: £332m
Operating profit: £21.3m
Net income: £11.9m
Free cash flow: £21.2m
Net cash: £3.6m
Market cap: £194m
EV / EBIT: 8.8×
FCF yield: +10.9%
Price / book: 2.9×

Latest half-year · H1 26 vs H1 25 results 22 Sep 26 ↗

Revenue: £161m
Operating profit: £7.7m
Net income: £3.6m
Cash from operations: £8.5m

Extracted automatically from the company's results announcements; check the source before relying on a figure. Not investment advice.

Income statement Cash flow Balance sheet

Annual Half-yearly

Latest report: H1 26 (six months to 30 Jun 26), published 22 Sep 26 · read the results ↗

£m unless stated · newest first · italic = calculated (LTM, H2 = FY − H1) · hover a value for its source

	LTM Jun 26	FY 25	FY 24
Revenue	331.5	318.8	266.5
Gross profit	98.3	91.9	77.0
Adjusted EBITDA	41.2	40.4	35.1
Operating profit	21.3	24.6	24.7
Depreciation (owned assets)	1.2	1.1	1.1
Depreciation (right-of-use)	1.3	1.0	0.7
Amortisation	10.1	8.6	5.7
Share-based payments	3.2	4.4	2.6
Fair value gains / losses	–	(0.1)	0.0
Finance costs	(1.2)	(1.1)	(1.3)
Profit before tax	18.7	22.1	22.9
Tax	(6.4)	(6.7)	(6.8)
Net income (owners)	11.9	15.1	15.9
EPS basic	20.5p	26.0p	27.6p
EPS diluted	20.3p	25.8p	27.4p

	H1 26	vs H1 25	H2 25	H1 25
Revenue	161.0	+9%	170.6	148.2
Gross profit	47.4	+16%	51.0	41.0
Adjusted EBITDA	17.3	+5%	24.0	16.4
Exceptional / adjusting items	(2.2)	n/m	–	0.0
Operating profit	7.7	−30%	13.6	10.9
Depreciation (owned assets)	0.6	+12%	0.6	0.5
Depreciation (right-of-use)	0.8	+93%	0.6	0.4
Amortisation	4.8	+47%	5.3	3.3
Share-based payments	0.5	−70%	2.6	1.8
Finance costs	(0.6)	+11%	(0.6)	(0.6)
Profit before tax	6.2	−36%	12.5	9.6
Tax	(2.5)	−12%	(4.0)	(2.8)
Net income (owners)	3.6	−47%	8.3	6.8
EPS basic	6.3p	–	14.2p	11.8p
EPS diluted	6.2p	–	14.1p	11.7p
Dividend per share	7.9p	–	–	7.2p

	LTM Jun 26	FY 25	FY 24
Cash from operations	29.0	34.4	30.0
Interest paid	(1.4)	(1.3)	(1.4)
Tax paid	(8.5)	(8.1)	(6.6)
Capex (PP&E)	(1.2)	(1.2)	(0.4)
Capex (intangibles)	(5.2)	(5.0)	(2.6)
Lease principal paid	(1.3)	(1.1)	(0.9)
Dividends paid	(13.0)	(12.8)	(16.2)

	H1 26	vs H1 25	H2 25	H1 25
Cash from operations	8.5	−39%	20.5	13.8
Interest paid	(0.8)	+19%	(0.7)	(0.6)
Tax paid	(4.4)	+10%	(4.1)	(4.0)
Capex (PP&E)	(0.3)	+7%	(0.9)	(0.3)
Capex (intangibles)	(2.6)	+9%	(2.7)	(2.3)
Lease principal paid	(0.7)	+64%	(0.6)	(0.4)
Dividends paid	(8.8)	+3%	(4.2)	(8.6)
Share buybacks	(2.8)	n/m	–	0.0

	Latest Jun 26	FY 25	FY 24
Goodwill	72.8	70.2	53.9
Other intangibles	53.7	53.9	48.4
Property, plant & equipment	5.3	5.6	5.0
Associates & JVs	5.1	5.0	14.8
Trade receivables	16.0	13.9	9.8
Cash	25.5	26.2	23.7
Current assets	43.1	40.5	33.4
Total assets	187.6	182.6	160.8
Trade payables	48.9	44.6	36.5
Borrowings, current	22.0	11.4	5.1
Lease liabilities, current	1.4	1.2	0.8
Current liabilities	88.0	72.6	55.2
Borrowings, non-current	–	0.0	8.7
Lease liabilities, non-current	5.5	5.6	3.4
Total liabilities	119.9	106.7	85.7
Non-controlling interests	1.5	1.8	1.4
Total equity	67.7	75.9	75.1
Net cash / (debt) ex leases	(15.1)	–	–
Net cash / (debt) incl. leases	–	(3.3)	(9.7)
Treasury shares	-2.4m	0.0m	–

	H1 26	H2 25	H1 25	H2 24
Goodwill	72.8	70.2	–	53.9
Other intangibles	53.7	53.9	–	48.4
Property, plant & equipment	5.3	5.6	–	5.0
Associates & JVs	5.1	5.0	–	14.8
Trade receivables	16.0	13.9	–	9.8
Cash	25.5	26.2	–	23.7
Current assets	43.1	40.5	–	33.4
Total assets	187.6	182.6	–	160.8
Trade payables	48.9	44.6	–	36.5
Borrowings, current	22.0	11.4	–	5.1
Lease liabilities, current	1.4	1.2	–	0.8
Current liabilities	88.0	72.6	–	55.2
Borrowings, non-current	–	0.0	–	8.7
Lease liabilities, non-current	5.5	5.6	–	3.4
Total liabilities	119.9	106.7	–	85.7
Non-controlling interests	1.5	1.8	–	1.4
Total equity	67.7	75.9	–	75.1
Net cash / (debt) ex leases	(15.1)	–	(11.7)	–
Net cash / (debt) incl. leases	–	(3.3)	–	(9.7)
Treasury shares	-2.4m	0.0m	–	–

Line items extracted automatically from each results announcement; when a later report restates a period, the later figure is shown. LTM and H2 are calculated from reported periods. Check the source before relying on a figure.

Company filings. Not investment advice.