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Company Analysis

mF International Limited MFI

A comprehensive view of key metrics, scores, and financial health for mF International Limited

Overview of mF International Limited

MFI NCM
Technology Software - Application Framework: Software & SaaS Small Cap
mF International Limited (MFI), is a Small Cap company, in the Software - Application industry, last closed at $7.95, about 91.6% overvalued vs fair value, -66.3% 1Y return, ranked 483/780 in sector.
Metrics P/E 10.7× Rev Growth 29.7% ROE 3.9% Gross Margin 29.6% Div Yield 0.00%
USD 7.95
2.58%
(Delayed)
• Vol 90d: 49.6%
52-Week Range
Market Cap
$398.90M
Enterprise Value
$369.93M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Good
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Fair
Health
Good
Efficiency
Fair
Valuation
Weak
Completeness: 94%
Confidence: 94%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.m-finance.com
HQ Wan Chai
Employees 34
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$1
$1
$1
Current: $7.95 -92% vs base

Engine Room Money Flow™

Small Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
HKD 33.8M
29.7%%
Gross Profit
HKD 10.0M
-18.6%%
Operating Income (GAAP)
-HKD 48.6M
-150.8%%
Operating Cash Flow
-HKD 15.9M
27.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
29.6%
Poor

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
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Owner's Pocket - Capital Allocation

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating mF International Limited's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
35
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • R&D Reinvestment Supports Growth R&D commitment is strong relative to peers (score 0.89).
  • Flexible Liquidity Position Liquidity position is healthy (score 0.89), supporting balance sheet resilience.

Key risks

  • Margin Compression Risk Margin quality is below peer norms (score 0.16), suggesting pricing pressure.
  • Weak Cash Conversion Cash conversion is weak (score 0.19), limiting evidence of scalable cash generation.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Weak
18
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing MFI's balance between Growth (37.1%), Profitability (14.9%), and Safety (48.0%). Growth 37% Safety 48% Profitability 15%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

57th percentile vs peers
58
Key Signals
Rev Growth YoY 29.7% 82p TSR 2.46 98p EPS Growth YoY 2.11 90p Def Rev Growth -0.1% 34p Revenue CAGR 3Y -1.1% 26p
Strengths
  • Rev Growth YoY in top 20% of peers (29.7%, 82th percentile)
  • Cash to Debt Ratio in top 20% of peers (38.46, 92th percentile)
  • Interest Coverage Ratio in top 20% of peers (264.02, 96th percentile)
  • Net Debt/EBITDA in top 20% of peers (-2.60, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

23th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

74th percentile vs peers
75
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for mF International Limited.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.67
- - -
-91.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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