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Mineral & Financial Investments Limited (MAFL) Fair Value & Analysis

Financial Services · GB · Market cap 16.1M GBX

MF Mineral & Financial Investments Limited MAFL · LSE
Price£0.4150
Fair Value£0.4900
Upside+18.1%
Quality50/100
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Mixed Growth
Highly profitable · 81.5% net margin
Low debt · negative free cash flow
Ranks above peers (8/12)
Wide moat 86/100
Evidence: Medium Range £0.3700 – £0.6200 Share as image

Fair value as of: Jul 20, 2026

From 6 valuation models · updated 21 days ago

Share price +10.8% over the past month.

A solid business, screening 18% undervalued on our models.

What matters now

  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
  • Our model range runs from £0.3700 (bear) to £0.6200 (bull), base £0.4900. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 50/100 (solid quality) with medium evidence: read the verdict with care.
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Price vs Fair Value (5 years)

£0.4962 £0.0771 Fair Value £0.4900 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.

How to read this chart

60‑month range £0.0771 – £0.4962 · fair‑value band £0.3700 – £0.6200 · the £0.4150 price screens below the £0.4900 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.

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Analysis

Mineral & Financial Investments Limited (MAFL) currently trades at £0.4150, while our model-based Fair Value estimate is £0.4900, implying the stock looks roughly 18.1% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.

Over the trailing twelve months, Mineral & Financial Investments Limited generated revenue of £4.3M at a net margin of 81.5%. Revenue grew 91.6% year over year. It earns a return on equity of 24.2%. The stock trades on a trailing P/E of 6.0. Fundamentals as of Jul 20, 2026

Our scenario range runs from £0.3700 (bear case) to £0.6200 (bull case); at £0.4150, 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. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 18%, MAFL 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.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
P/E Multiple £0.5500 £0.7300 £0.9100 63
Residual Income £0.3200 £0.3900 £0.7900 61
P/B Multiple £0.3700 £0.4900 £0.6200 55
All 6 models by family
Earnings-Based
Graham-Dodd £0.3800 £2.65 £3.72 54
Lynch FV £1.37 £1.96 £2.54 50
Multiples
P/E Multiple £0.5500 £0.7300 £0.9100 63
P/B Multiple £0.3700 £0.4900 £0.6200 55
Asset-Based
NCAV (Graham) £0.1800 £0.2400 £0.3500 50
Economic Profit
Residual Income £0.3200 £0.3900 £0.7900 61

Widest divergence: Earnings-Based (£1.96) versus Asset-Based (£0.2400). Highest evidence: P/E Multiple (63).

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Key figures & financial health

Revenue (TTM) 4.3M GBX
Revenue growth (YoY) +91.6%
Net margin 81.5%
Return on equity 24.2%
Free cash flow −653K GBX FY2025
P/E ratio 5.2
More key figures
Operating margin 87.3%
EPS (TTM) £0.0800
EPS growth (YoY) +96.8%
Net cash 193K GBX FY2025

Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 46 · Market factors (momentum, volatility) 64

Profitability 53
Margins and returns on capital today
Quality Growth 67
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 54
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 62
Price trend over the last 3–12 months (market factor)
52W Momentum 84
Distance to the 52-week high (market factor)
Net Issuance 28
Buybacks instead of dilution

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

Mineral & Financial Investments Limited, an investment company, invests in natural resources, minerals, metals, and oil and gas projects in the Cayman Islands. The company is based in Grand Cayman, the Cayman Islands.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Mineral & Financial Investments Limited reported revenue of £1.4M in FY2025 versus £99.0K in FY2021, a compound +93.4%/yr. Reported net income was £2.2M in FY2025, compounding +22.5%/yr from FY2021.

Growth Quality 57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
£1.4M
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+121.2%
Avg. growth/yr (19Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+0.0%
Revenue +93.4%/yr
FY21 £99.0K
FY22 £128K
FY23 £119K
FY24 −£219K
FY25 £1.4M
Net income +22.5%/yr
FY21 £964K
FY22 £899K
FY23 £1.6M
FY24 £2.0M
FY25 £2.2M

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Cite: Fair Value Calculator (2026). "Mineral & Financial Investments Limited Fair Value". https://www.fairvalue-calculator.com/stock/MAFL

Peer Group

Asset Management · 971 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.

Quality Score 48 · Bottom 25%
Fair Value upside +18% · Above median
Return on equity (TTM) 24% · Top 25%
Return on assets 15% · Top 25%
Net margin (TTM) 81% · Top 25%
Operating margin (TTM) 87% · Above median
Revenue growth 92% · Top 25%
Debt / equity 0.00× · Lower than 75% of peers

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 5.2× · Cheaper than 75% of peers
P/B 1.59× · Pricier than 75% of peers
P/S (TTM) 5.03× · Pricier than median
EV/EBITDA 9.3× · Pricier than median

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.

VALUE 57 · sector 37
FUTURE 100 · sector 6
PAST 97 · sector 26
HEALTH 100 · sector 95
DIVIDEND 0 · sector 69

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,136 $465.75 -59%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 423.70 kr 847.40 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Mineral & Financial Investments Limited (MAFL) overvalued or undervalued?
As of Jul 20, 2026, our model estimates a fair value of £0.4900 versus a price of £0.4150, about +18% (undervalued).
What is the fair value of MAFL?
Our model-based fair value for Mineral & Financial Investments Limited is £0.4900 (as of Jul 20, 2026), built from audited fundamentals. The current price is £0.4150.
What is the quality score of MAFL?
Mineral & Financial Investments Limited has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Mineral & Financial Investments Limited (MAFL)?
Mineral & Financial Investments Limited reported trailing-twelve-month revenue of about £4.3M (latest available figure, as of Jul 20, 2026).
What is the net profit margin of MAFL?
The net profit margin of Mineral & Financial Investments Limited is about 81.5%, meaning it keeps roughly 81.5% of revenue as net income. Based on the latest reported figures.

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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