ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Mortgage Advice Bureau (Holdings)'s annualizedNet Income for the quarter that ended in Dec. 2025 was £16.5 Mil.
Mortgage Advice Bureau (Holdings)'s average Total Assets over the quarter that ended in Dec. 2025 was £174.6 Mil. Therefore, Mortgage Advice Bureau (Holdings)'s annualized ROA % for the quarter that ended in Dec. 2025 was 9.46%.
LSE:MAB1'
s ROA % Range Over the Past 10 Years
Min: 8.21 Med: 22.07 Max: 47.69
Current: 8.87
During the past 13 years, Mortgage Advice Bureau (Holdings)'s highest ROA % was 47.69%. The lowest was 8.21%. And the median was 22.07%.
LSE:MAB1's ROA % is ranked better than 99.22% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs LSE:MAB1: 8.87
Mortgage Advice Bureau (Holdings) (LSE:MAB1) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Mortgage Advice Bureau (Holdings) ROA % Related Terms
Mortgage Advice Bureau (Holdings) ROA % Historical Data
* 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.
For the Mortgage Finance subindustry, Mortgage Advice Bureau (Holdings)'s ROA %, along with its competitors' market caps and ROA % 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) ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Advice Bureau (Holdings)'s ROA % distribution charts can be found below:
* The bar in red indicates where Mortgage Advice Bureau (Holdings)'s ROA % falls into.
* 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Mortgage Advice Bureau (Holdings) (LSE:MAB1) has a ROA % of 9.46% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. This is 57% below median its historical median of 22.07. Over the past decade, Mortgage Advice Bureau (Holdings)'s ROA % has ranged from 8.21 to 47.69. According to the industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #12 out of 1532 companies in the Banks industry, placing it in the top 0.8%.
Is Mortgage Advice Bureau (Holdings)'s ROA % too high?
Mortgage Advice Bureau (Holdings)'s current ROA % of 9.46% is 57% below median its 10-year median of 22.07. Over the past 10 years, this metric has ranged from a low of 8.21 to a high of 47.69. The Banks industry median ROA % is 0.98. Mortgage Advice Bureau (Holdings)'s value of 9.46% is 865.3% above this industry median. Based on the distribution chart, Mortgage Advice Bureau (Holdings) ranks #12 out of 1532 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 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mortgage Advice Bureau (Holdings)'s ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #12 out of 1532 companies for ROA %. This places Mortgage Advice Bureau (Holdings) in the top 1% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Mortgage Advice Bureau (Holdings)'s value of 9.46% is 865.3% above this benchmark. Historically, Mortgage Advice Bureau (Holdings)'s own ROA % has ranged from 8.21 to 47.69 over the past decade. While the company's 10-year median is 22.07 vs. the industry median of 0.98, Mortgage Advice Bureau (Holdings) has consistently been above 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mortgage Advice Bureau (Holdings)'s current ROA % of 9.46% is 865.3% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Mortgage Advice Bureau (Holdings) and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mortgage Advice Bureau (Holdings)'s current ROA % is 9.46%, which is 57% below median its own 10-year median of 22.07. 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 ROA % is 9.46%, which is 57% below median its 10-year median of 22.07 and 865.3% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Mortgage Advice Bureau (Holdings) (LSE:MAB1), the current ROA % is 9.46% 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:
ROA %: 9.46% (57% below median its 10-year median of 22.07)
GF Value™: £9.56 vs. price of £5.14 (46.2% below fair value)
Industry Position: 865.3% above the Banks median (#12 of 1532)
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
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
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