MABHF (Mortgage Advice Bureau (Holdings)) Return-on-Tangible-Equity: Negative Tangible Equity% (As of Dec. 2025)


MABHF Mortgage Advice Bureau (Holdings) PLC MABHF
82 GF Score
Price $8.98
GF Value $16.11
! 2 Warning Signs
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What is Mortgage Advice Bureau (Holdings) Return-on-Tangible-Equity?

Mortgage Advice Bureau (Holdings) MABHF 82 Return-on-Tangible-Equity is Negative Tangible Equity% as of Dec. 2025. GuruFocus rates MABHF with a GF Score™ of 82/100 and a GF Value™ of $16.11. The stock has 2 warning signs investors should review. Among 1,522 Banks companies, Mortgage Advice Bureau (Holdings) ranks better than 99.93% on this metric.

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Mortgage Advice Bureau (Holdings)'s annualized net income for the quarter that ended in Dec. 2025 was $22.1 Mil. Mortgage Advice Bureau (Holdings)'s average shareholder tangible equity for the quarter that ended in Dec. 2025 was $-55.9 Mil. Therefore, Mortgage Advice Bureau (Holdings)'s annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was Negative Tangible Equity%.

The historical rank and industry rank for Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity or its related term are showing as below:

MABHF' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 88.33   Med: 101.44   Max: 130.4
Current: Negative Tangible Equity

During the past 13 years, Mortgage Advice Bureau (Holdings)'s highest Return-on-Tangible-Equity was 130.40%. The lowest was 88.33%. And the median was 101.44%.

MABHF's Return-on-Tangible-Equity is ranked better than
99.93% of 1522 companies
in the Banks industry
Industry Median: 11.19 vs MABHF: Negative Tangible Equity

Mortgage Advice Bureau (Holdings)  (OTCPK:MABHF) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Mortgage Advice Bureau (Holdings) Return-on-Tangible-Equity Related Terms


Mortgage Advice Bureau (Holdings) Return-on-Tangible-Equity Historical Data

* Premium members only.

The historical data trend for Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity 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) Return-on-Tangible-Equity Chart

Mortgage Advice Bureau (Holdings) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 97.94 Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity

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
Return-on-Tangible-Equity 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 Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity Negative Tangible Equity

MABHF vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison

For the Mortgage Finance subindustry, Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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) Return-on-Tangible-Equity vs Banks Industry

For the Banks industry and Financial Services sector, Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity falls into.


MABHF
82GF Score
Mortgage Advice Bureau (Holdings) PLC MABHF
Return-on-Tangible-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mortgage Advice Bureau (Holdings) Return-on-Tangible-Equity Calculation

Mortgage Advice Bureau (Holdings)'s annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=20.179/( (-36.162+-66.225 )/ 2 )
=20.179/-51.1935
=Negative Tangible Equity %

Mortgage Advice Bureau (Holdings)'s annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=22.108/( (-45.498+-66.225)/ 2 )
=22.108/-55.8615
=Negative Tangible Equity %

* 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.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is two times the semi-annual (Dec. 2025) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.

What does a Return-on-Tangible-Equity of Negative Tangible Equity% mean?
Mortgage Advice Bureau (Holdings) (MABHF) has a Return-on-Tangible-Equity of Negative Tangible Equity% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. Over the past decade, Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity has ranged from 88.33 to 130.40. According to the industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #1 out of 1522 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity too high?
Mortgage Advice Bureau (Holdings)'s current Return-on-Tangible-Equity is Negative Tangible Equity%. Over the past 10 years, this metric has ranged from a low of 88.33 to a high of 130.40. Based on the distribution chart, Mortgage Advice Bureau (Holdings) ranks #1 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mortgage Advice Bureau (Holdings) has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Mortgage Advice Bureau (Holdings)'s Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #1 out of 1522 companies for Return-on-Tangible-Equity. This places Mortgage Advice Bureau (Holdings) in the top 0% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Historically, Mortgage Advice Bureau (Holdings)'s own Return-on-Tangible-Equity has ranged from 88.33 to 130.40 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Advice Bureau (Holdings)'s current Return-on-Tangible-Equity is Negative Tangible Equity%. 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?
Mortgage Advice Bureau (Holdings) (MABHF) has a current Return-on-Tangible-Equity of Negative Tangible Equity%. The stock's GF Value™ is $16.11, compared to a current price of $8.98 — trading 44.3% below its estimated fair value. The current Return-on-Tangible-Equity is Negative Tangible Equity%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Mortgage Advice Bureau (Holdings) (MABHF), the current Return-on-Tangible-Equity is Negative Tangible Equity% 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) (MABHF) Overvalued in 2026?

Based on GuruFocus' analysis, Mortgage Advice Bureau (Holdings) stock appears to be undervalued. The current stock price of $8.98 is trading 44.3% below its estimated GF Value™ of $16.11.

Key valuation signals for MABHF:

  • Return-on-Tangible-Equity: Negative Tangible Equity%
  • GF Value™: $16.11 vs. price of $8.98 (44.3% below fair value)
  • GF Score™: 82/100 with 2 warning signs

No single metric tells the full story. See the MABHF 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:UKMAB1: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 MABHF

Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.98
Price
$16.11
GF Value