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Mortgage Advice Bureau (MAB1) investor relations material
Mortgage Advice Bureau H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary23 Sep, 2025
Executive summary
Revenue grew 20% year-over-year to £148.2m, driven by organic growth, increased adviser productivity, and network expansion, outpacing the UK gross mortgage lending market's 6% growth.
Adjusted profit before tax increased 18.4% to £14.5m, with adjusted diluted EPS up 23% to 18.2p and statutory PBT up 54.8% to £9.6m.
Adviser headcount rose 5.2% to 2,041, with revenue per adviser up 14.2% to £74.6k.
Market share in new mortgage lending rose to 8.3%, and product transfer share increased to 3.0%.
Strategic investments in technology, data, and AI underpin medium-term growth ambitions.
Financial highlights
Gross profit rose 15.4% to £43.5m, with a gross margin of 29.4%.
Administrative expenses increased 15% to £29.3m, reflecting investment in growth.
Adjusted cash conversion remained strong at 116%, supporting ongoing debt reduction and dividends.
Net debt reduced to £11.7m, with leverage at 0.3x.
Interim dividend proposed at 7.2p per share, reflecting new capital allocation policy.
Outlook and guidance
Trading momentum continued post-period, with applications up 17% year-over-year in July and August.
Anticipated increase in refinancing volumes in H2 2025 and 2026, supported by strong lender appetite.
Planned move to the Main Market of the London Stock Exchange in 2026.
Group continues to trade in line with Board expectations for 2025.
Impact of new capital allocation framework
Timeline for gross profit margin normalisation?
MAB's strategy to capitalize on FCA reforms?
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Next Mortgage Advice Bureau earnings date
H2 202530 Mar, 2026
Next Mortgage Advice Bureau earnings date
H2 202530 Mar, 2026
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