Mortgage Advice Bureau (Holdings) plc (MABHF) Fair Value & Analysis
Financial Services · US · Market cap $517M
Mortgage Advice Bureau (Holdings) plc
MABHF · US
Fair value as of: Jul 27, 2026
From 11 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $7.29 to $7.38 (+1.2%) since Jun 26, 2026.
A solid business, but screening 18% overvalued on our models.
What matters now
- Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
31‑month range $8.17 – $10.20 · fair‑value band $5.54 – $9.33 · the $8.98 price screens above the $7.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Mortgage Advice Bureau (Holdings) plc (MABHF) currently trades at $8.98, while our model-based Fair Value estimate is $7.38, implying the stock looks roughly 17.8% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Mortgage Advice Bureau (Holdings) plc generated revenue of $318M at a net margin of 4.8%. Revenue grew 19.7% year over year. It earns a return on equity of 20.3%. Net debt stands at $9.7M. Fundamentals as of Jul 27, 2026
Our scenario range runs from $5.54 (bear case) to $9.33 (bull case); at $8.98, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 7% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -18%, MABHF screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: Growth DCF ($7.36) versus Asset-Based ($0.8700). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 64 · Market factors (momentum, volatility) 53
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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 description, as reported by the company or data provider.
Revenue & earnings trend
FY2020 – FY2024 · reported fiscal years
Mortgage Advice Bureau (Holdings) plc reported revenue of $267M in FY2024 versus $148M in FY2020, a compound +15.8%/yr. Reported net income was $15.9M in FY2024, compounding +6.5%/yr from FY2020.
MABHF screens 18% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 90 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $13.90 | $27.80 | +100% |
| Rocket Companies, Inc RKT | $14.60 | $10.95 | -25% |
| Federal National Mortgage Association FNMAS | $9.55 | $1.93 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹91.33 | ₹61.48 | -33% |
| PennyMac Financial Services, Inc PFSI | $82.35 | $125.45 | +52% |
| UWM Holdings UWMC | $2.02 | $0.2200 | -89% |
| LIC Housing Finance Limited LICHSGFIN | ₹505.00 | ₹1,010 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,150 | ₹762.89 | -34% |
| Aadhar Housing Finance Limited AADHARHFC | ₹496.70 | ₹501.16 | +1% |
| Walker & Dunlop, Inc WD | $48.20 | $32.55 | -32% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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