Mortgage Advice Bureau (Holdings) (LSE:MAB1) OCF Margin %: 12.04% (As of Dec. 2025) — Near Median


LSE:MAB1 Mortgage Advice Bureau (Holdings) PLC LSE:MAB1
82 GF Score
Price £5.14
GF Value £9.56
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Mortgage Advice Bureau (Holdings) OCF Margin %?

Mortgage Advice Bureau (Holdings) LSE:MAB1 -0.77% 82 OCF Margin % is 12.04% as of Dec. 2025, which is at its 10-year median of 12.04. GuruFocus rates LSE:MAB1 with a GF Score™ of 82/100 and a GF Value™ of £9.56 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Mortgage Advice Bureau (Holdings) ranks worse than 69.97% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Mortgage Advice Bureau (Holdings)'s Cash Flow from Operations for the six months ended in Dec. 2025 was £20.5 Mil. Mortgage Advice Bureau (Holdings)'s Revenue for the six months ended in Dec. 2025 was £170.6 Mil. Therefore, Mortgage Advice Bureau (Holdings)'s OCF Margin % for the quarter that ended in Dec. 2025 was 12.04%.

As of today, Mortgage Advice Bureau (Holdings)'s current OCF Yield % is 11.62%.

The historical rank and industry rank for Mortgage Advice Bureau (Holdings)'s OCF Margin % or its related term are showing as below:

LSE:MAB1' s OCF Margin % Range Over the Past 10 Years
Min: 9.91   Med: 12.04   Max: 14.39
Current: 10.78


During the past 13 years, the highest OCF Margin % of Mortgage Advice Bureau (Holdings) was 14.39%. The lowest was 9.91%. And the median was 12.04%.

LSE:MAB1's OCF Margin % is ranked worse than
69.97% of 1505 companies
in the Banks industry
Industry Median: 29.44 vs LSE:MAB1: 10.78


Mortgage Advice Bureau (Holdings) OCF Margin % Related Terms


Mortgage Advice Bureau (Holdings) OCF Margin % Historical Data

* Premium members only.

The historical data trend for Mortgage Advice Bureau (Holdings)'s OCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Mortgage Advice Bureau (Holdings) OCF Margin % Chart

Mortgage Advice Bureau (Holdings) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.24 10.55 9.91 11.27 10.78

Mortgage Advice Bureau (Holdings) Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.39 7.79 14.29 9.34 12.04

LSE:MAB1 vs RKT, FNMA, PFSI: OCF Margin % Comparison

For the Mortgage Finance subindustry, Mortgage Advice Bureau (Holdings)'s OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Mortgage Advice Bureau (Holdings) OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Mortgage Advice Bureau (Holdings)'s OCF Margin % distribution charts can be found below:

* The bar in red indicates where Mortgage Advice Bureau (Holdings)'s OCF Margin % falls into.


LSE:MAB1
82GF Score
Mortgage Advice Bureau (Holdings) PLC LSE:MAB1
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Mortgage Advice Bureau (Holdings) OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Mortgage Advice Bureau (Holdings)'s OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=34.374/318.765
=10.78 %

Mortgage Advice Bureau (Holdings)'s OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=20.53/170.57
=12.04 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 12.04% mean?
Mortgage Advice Bureau (Holdings) (LSE:MAB1) has a OCF Margin % of 12.04% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. This is near median its historical median of 12.04. Over the past decade, Mortgage Advice Bureau (Holdings)'s OCF Margin % has ranged from 9.91 to 14.39. According to the industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #1053 out of 1505 companies in the Banks industry, placing it in the top 70%.
Is Mortgage Advice Bureau (Holdings)'s OCF Margin % too high?
Mortgage Advice Bureau (Holdings)'s current OCF Margin % of 12.04% is near median its 10-year median of 12.04. Over the past 10 years, this metric has ranged from a low of 9.91 to a high of 14.39. The Banks industry median OCF Margin % is 29.44. Mortgage Advice Bureau (Holdings)'s value of 12.04% is 59.1% below this industry median. Based on the distribution chart, Mortgage Advice Bureau (Holdings) ranks #1053 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Mortgage Advice Bureau (Holdings) has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mortgage Advice Bureau (Holdings)'s OCF Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #1053 out of 1505 companies for OCF Margin %. This places Mortgage Advice Bureau (Holdings) in the lower half of its industry. The industry median OCF Margin % is 29.44. Mortgage Advice Bureau (Holdings)'s value of 12.04% is 59.1% below this benchmark. Historically, Mortgage Advice Bureau (Holdings)'s own OCF Margin % has ranged from 9.91 to 14.39 over the past decade. While the company's 10-year median is 12.04 vs. the industry median of 29.44, Mortgage Advice Bureau (Holdings) has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Advice Bureau (Holdings)'s current OCF Margin % of 12.04% is 59.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Advice Bureau (Holdings)'s current OCF Margin % is 12.04%, which is near median its own 10-year median of 12.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mortgage Advice Bureau (Holdings) stock overvalued right now?
Based on GuruFocus' analysis, Mortgage Advice Bureau (Holdings) (LSE:MAB1) is currently considered Significantly Undervalued. The stock's GF Value™ is £9.56, compared to a current price of £5.14 — trading 46.2% below its estimated fair value. The current OCF Margin % is 12.04%, which is near median its 10-year median of 12.04 and 59.1% below the Banks industry median of 29.44. Mortgage Advice Bureau (Holdings)'s overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Mortgage Advice Bureau (Holdings) (LSE:MAB1), the current OCF Margin % is 12.04% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Mortgage Advice Bureau (Holdings) (LSE:MAB1) Overvalued in 2026?

Based on GuruFocus' analysis, Mortgage Advice Bureau (Holdings) stock appears to be undervalued. The current stock price of £5.14 is trading 46.2% below its estimated GF Value™ of £9.56. GuruFocus considers Mortgage Advice Bureau (Holdings) to be Significantly Undervalued.

Key valuation signals for LSE:MAB1:

  • OCF Margin %: 12.04% (near median its 10-year median of 12.04)
  • GF Value™: £9.56 vs. price of £5.14 (46.2% below fair value)
  • GF Score™: 82/100 with 2 warning signs
  • Industry Position: 59.1% below the Banks median (#1053 of 1505)

No single metric tells the full story. See the LSE:MAB1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mortgage Advice Bureau (Holdings) Business Description

Other Exchanges MAB1l:UK
Address Capital House, Pride Place, Pride Park, Derby, GBR, DE24 8QR
Mortgage Advice Bureau (Holdings) PLC provides mortgage advice and also advice on protection and general insurance products. The group offers advice on residential and buy-to-let mortgage products. The company has developed customized support services for intermediary firms that operate in estate agencies, new build, buy-to-let, mortgage shops and telephone-based mortgage services. The company derives its revenues from mortgage procuration fees, insurance commissions, and client fees. Mortgage procuration fees generate the majority of the revenues.
82GF Score

Get the complete analysis for LSE:MAB1

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£5.14
Price
£9.56
GF Value