Mortgage Choice (MOC.AX) Stock Price
Mortgage Choice Price
Revenue has compounded at 7.8% per year over the past 19 years to 175.38 M AUD. Earnings per share have grown at 2.8% per year over the last 18 years. Mortgage Choice's net margin stands at 5.4%, down from 9.9% several years earlier. The payout ratio is around 125% of earnings.
Mortgage Choice stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Mortgage Choice over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Mortgage Choice stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Mortgage Choice's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Mortgage Choice Price |
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Mortgage Choice Revenue, Net Income
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Mortgage Choice Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM AUD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM AUD |
| NET INCOMEM AUD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.AUD |
| SHARESM |
| 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021e | 2022e | 2023e | 2024e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 192.00 | 170.00 | 169.00 | 157.00 | 156.00 | 178.00 | 184.00 | 197.00 | 199.00 | 217.00 | 177.00 | 175.00 | 199.00 | 204.00 | 217.00 | 236.00 |
| 20.00 | -11.46 | -0.59 | -7.10 | -0.64 | 14.10 | 3.37 | 7.07 | 1.02 | 9.05 | -18.43 | -1.13 | 13.71 | 2.51 | 6.37 | 8.76 |
| 37.50 | 39.41 | 43.20 | 29.30 | 30.77 | 34.83 | 35.33 | 32.99 | 34.17 | 18.43 | 27.68 | 26.29 | 26.29 | 26.29 | 26.29 | 26.29 |
| 72.00 | 67.00 | 73.00 | 46.00 | 48.00 | 62.00 | 65.00 | 65.00 | 68.00 | 40.00 | 49.00 | 46.00 | 52.31 | 53.62 | 57.04 | 62.03 |
| 26.00 | 23.00 | 27.00 | 18.00 | 18.00 | 19.00 | 18.00 | 19.00 | 22.00 | 4.00 | 13.00 | 9.00 | – | – | – | – |
| 36.84 | -11.54 | 17.39 | -33.33 | – | 5.56 | -5.26 | 5.56 | 15.79 | -81.82 | 225.00 | -30.77 | – | – | – | – |
| – | – | – | – | – | – | – | – | – | – | – | – | 0.09 | – | – | – |
| 119.00 | 120.60 | 120.80 | 121.10 | 123.00 | 123.70 | 124.10 | 124.41 | 125.12 | 125.20 | 125.40 | 126.49 | 126.49 | 126.49 | 126.49 | 126.49 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Mortgage Choice generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Mortgage Choice retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Mortgage Choice's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Mortgage Choice has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Mortgage Choice's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Mortgage Choice stock margins
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Mortgage Choice Revenue per Share, Earnings per Share
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Mortgage Choice business model & stock analysis
Mortgage Choice SWOT Analysis
Strengths
Mortgage Choice Ltd possesses several strengths that contribute to its success in the market. These strengths include:
- A diverse range of mortgage products and services, catering to varied customer needs.
- Strong brand recognition and reputation within the financial industry.
- Established network of affiliated brokers, providing extensive coverage and access to potential customers.
- Robust technology infrastructure enabling efficient and convenient mortgage processing.
- Strong relationships with lenders, ensuring competitive loan rates and terms for clients.
Weaknesses
Despite Mortgage Choice Ltd's success, it also faces certain weaknesses that need to be addressed to maintain a competitive edge:
- Reliance on external factors such as interest rates and housing market conditions, which can impact business volume.
- Dependency on a network of brokers, requiring ongoing management and potential risks associated with inconsistent performance.
- Limited control over lending policies and guidelines set by lenders, affecting the ability to fully customize loan offerings.
Opportunities
Mortgage Choice Ltd can capitalize on several opportunities to drive growth and expand its market share:
- Growing demand for mortgage services due to population growth, increased homebuying, and renovation activities.
- Expansion into emerging markets with underserved populations seeking mortgage and financial solutions.
- Offering additional services such as financial planning and insurance to diversify revenue streams.
- Utilizing digital platforms and online applications to reach a wider customer base and enhance convenience.
Threats
Several threats may hinder Mortgage Choice Ltd's progress and require proactive strategies to mitigate risks:
- Intense competition from other mortgage providers, potentially leading to price wars and reduced profit margins.
- Economic downturns impacting consumer confidence and reducing demand for mortgages and related services.
- Regulatory changes and compliance requirements, affecting operations and increasing administrative burden.
- Changing customer preferences and technological advancements may disrupt traditional mortgage brokering models.
Mortgage Choice Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Mortgage Choice historical P/E ratio, EBIT multiple, and P/S ratio
Mortgage Choice annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Mortgage Choice shares outstanding
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Mortgage Choice Dividend History
17 years of dividend payments
Mortgage Choice dividend payout ratio
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Frequently asked questions about Mortgage Choice
The business model of Mortgage Choice Ltd revolves around providing mortgage broking and financial planning services to customers in Australia. As a leading Australian mortgage broker, Mortgage Choice Ltd assists individuals and businesses in selecting and managing home loans from a wide range of lenders. Additionally, the company offers personalized financial planning advice to aid customers in achieving their financial goals. With a strong emphasis on customer satisfaction, Mortgage Choice Ltd strives to provide professional and unbiased advice while ensuring a smooth and hassle-free loan application process.
Mortgage Choice stock
Mortgage Choice Peer Group
Mortgage Choice FIGI
All fundamentals and in-depth analysis of Mortgage Choice
Our stock analysis for Mortgage Choice stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Mortgage Choice. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.