Mobilityone Share Discussion Threads

[mattjos] 04/2/2021 08:32

Absolutely i remember CHNS ... i did travel to China to see the company & met with the CEO ... more than any other investor or even the Nomad had done.

[kaos3] 04/2/2021 06:38

Adam Smith wrote, it can be “great fun if you leave the party early.”

[kaos3] 04/2/2021 05:59

matt - how about a value trap? for years - why now is different?

because few discovered it and buy into it?

causing it to rise - and giving a high five - to them selfs?

I agree with all you post on MBO - but I have just one Q - why this time (but newcomers crowd buying and promoting)is different?

I ll be a keen observer for the confirmed break out and I ll be back - if it is for real. Hope you are right - and good luck to you - as always

I got my fair share of profits out of MBO and I am happy to fill you out of my loose and weak hands as you describe me. that is why the friends are for

I wish you all the best

Remember China Shoto (or similar) and how it all ended - same discussions more or less - value, prospects, taking profits or not, weak vs strong, name calling

[mattjos] 04/2/2021 00:49

& this is further very interesting article from The Edge Malaysia magazine, 18th Jan 2021:

"SHARES in ACE Market-listed TFP Solutions Bhd have been gaining traction among investors, with their price doubling within a month — from 12.5 sen on Dec 3, 2020, to a peak of 25 sen on Jan 4 this year — along with a significant rise in trading volume.

Group managing director Datuk Hussian @ Rizal A Rahman believes TFP Solutions is back on investors’ radar, following a series of business transformation initiatives, which saw the loss-making group shift its focus to financial technology (fintech) and digital services.

“Unlike most businesses involved in digital services, we are focusing on the unbanked population — people without bank accounts in the country. We see a huge untapped potential in this market, especially in view of the current Covid-19 situation that leads to restrictions on people’s movements,” he tells The Edge in an interview...……………………..

Open to M&A
Hussian says TFP Solutions is open to mergers and acquisitions if the targeted company can add value to the group’s existing businesses. “When the time is right, we will pursue M&A. For now, the key is really about gaining market share in our target markets.”

Hussian, 58, is a major shareholder of TFP Solutions, with an equity interest of 27.41% as at Sept 22, 2020. He was appointed to the board in 2013 and redesignated as managing director in 2018. He is also executive director and a major shareholder of MobilityOne Ltd, which is listed on the Alternative Investment Market of the London Stock Exchange. MobilityOne is an e-commerce infrastructure payment solutions and platform provider that works closely with most of the telecommunications companies and financial institutions in Malaysia."


Well worth reading the entire article but, majority shareholder in two listed entities. One on AIM and on ACE in Malaysia with the Malaysian entity advising it is 'Open to M&A'. The AIM listing is lingering at ridiculously cheap price.
Link below:

[mattjos] 03/2/2021 23:56

& MBO is also now getting picked up on Reddit:

[mattjos] 03/2/2021 23:55

& this really caught my eyes:

[mattjos] 03/2/2021 23:53

& this is how Maybank customers reload their mobile phones using the MBO ecosystem:

[mattjos] 03/2/2021 23:46

So, just how embedded is MBO in some of these organisations? This from April 2018:

"VISIONARY A DECADE AHEAD

First starting in the prepaid reload business, Hussian soon saw a bigger vision. “We were doing system integrations, but it is not a long-term business. I saw the opportunity in eCommerce and took it,” he says.

Not everyone shared the same vision, however. “15 years ago, not many people had that vision, because a lot of things had to be done in the country, especially in telecommunications coverage, mobile adoption, as well as networks.”

Fast forward to the present day, he is reaping the benefits of starting early and staying ahead. MobilityOne has since expanded into enabling various payment services, including virtual transactions from card terminals, mobile payment apps and internet banking services. MobilityOne is also one of Bank Negara Malaysia’s (BNM) third-party acquirers in Malaysia.

Partnering with both banks and merchants, MobilityOne can ensure an expansive and stable network for distributing its system. In fact, it is now connected to most banks, including Maybank, RHB Bank and BSN (Bank Simpanan Nasional). On the merchant side, the company is working with Happy Mart, Felda, Speedmart, Aeon, just to name a few.

“We are providing services and convenience to people by transforming physical transaction to digital transaction,” he explains...…….."






This is the "Digital Products & Services: Page of the Maybank website:

[mattjos] 03/2/2021 23:31

twitter is proving a veritable goldmine of information :-)

eg as you can see below this is Maybank Twitter Header:



see the operational hours being cut due to Covid as per the rest of society then, further down the feed we get customers asking about how to top up their mobile phones and the banks is formally directing the customers to MBO:



Must say the volume of twitter postings by people over in that part of the world is incredible. They seem to be glued to their phones 24x7 … & most people use Mobile Topups to pay rather than contracts.

Little wonder MBO Revs are growing like topsy

[mattjos] 03/2/2021 13:40

very sensible conclusion … lurkers probably waiting for a pullback. good luck because i'm after plenty more

[mattjos] 03/2/2021 13:24

well said markth126 … ridiculously cheap valuation still.
12.5p was the July 2007 IPO Price so, expect a bit of resistance but, I cant see it lasting long. Other than crazy spike last year (on a mis-understood RNS which was corrected the following day), this is now effectively breaking out to ATH's .. & rightly so, imo.
I think folk need to see it that way and realise that this is a significant milestone achievement for the share price right on front of your eyes today

[markth126] 03/2/2021 13:09

I said the other day I dont know how this is valued at 10p a share given the cash and ebit from the last accounts. Valuing coming through but a long way to go and they are not having my 200k shares anytime soon!

[mattjos] 03/2/2021 12:52

They found 1,400 shares. Bravo

[mattjos] 03/2/2021 12:47

M&M's having to move up to try and tease out any other weak hands but, surely cant be many down here

[mattjos] 03/2/2021 12:44

I think you were probably the only source of loose stock kaos3

[mattjos] 02/2/2021 15:11

cheers for the liquidity :-)

[kaos3] 02/2/2021 12:21

sold for a solid profit. good luck to value

[mattjos] 02/2/2021 12:01

Yes, every dog has its day but, this is no dog, imo. It's taken a long time but, a very attractive business has finally emerged & shouldn't take much analysis to see this.

[wapper] 02/2/2021 09:48

Every dog has it's day and in this market anything is possible. With yesterday's big move up and another 15% today I for one am very happy and looking forward to any positive news too. It's looking OK to me for now though

[mattjos] 02/2/2021 09:32

Blimey :-) there are actually some other shareholders here.

[wapper] 02/2/2021 08:59

Looking like this might break soon and have a decent run up. Hoping so as I am a LTH.

[mattjos] 01/2/2021 17:50

If H2 sees a repeat of H1 & therefore Fully Diluted EPS for the year of 1.8p, at today's closing price of 11.75p, that would be a trailing P/E of circa 6.5
I appreciate this is a tiddler on AIM but, fgsake, that is far too stingy when you see Revs growing at over 50% per year and Profits before Tax growing at over 200%.
Yes, they have a bit of debt but, as the Interest Paid figure shows, that is clearly already fast reducing & no harm in some additional leverage beyond that inherent in the business model, afaic.

Continued pro-rata growth in 2021 ie. 2.4p EPS for the year with a forward p/e of just 15 and you get to share price of 36p but, the new Year-end Alipay link-up may very well quickly see 2021 Revs & Profits blow that forecast clean away.
A much more commonly seen P/E in the 20 - 25x range would give 48p - 60p & a racier 40x would give 96p.

I guess it all depends on what investors are willing to pay for this sort of uncommon profitable growth but, in my experience, once a small company finally & very clearly crosses such a definitive inflexion point & then inks deals with the likes of Alipay & also advises "The Company's wholly-owned subsidiary in the United Kingdom, M-One Tech Limited, is in the midst of preparing the necessary application to the Financial Conduct Authority to seek its approval for the Group to commence businesses such as payment aggregation, electronic payments and e-remittance services in the United Kingdom" .. well, market participants, can quite understandably, get very carried away with such things.

Why aren't Allenby trumpeting this one? They've no coverage that I can find & no one seems brave enough to make any sort of forecast other than myself but, below 20p this seems quite absurdly cheap for seemingly no good reason other than the searchlight has missed it & simply needs a few others to see the dramatic potential here.
Anyway, am delighted to see there a few stale & probably rather myopic sellers about to oblige.

A 'significantly ahead' statement, ahead of the FY20 Results, would not surprise me .. not that anyone is likely to have any clue as to what the expectations actually are, simply because none seem to have been made public.

[mattjos] 01/2/2021 10:29

For a tech company showing this sort of growth rate, you'd more commonly see it on a forward p/e nearer 20-25x.
You might argue that the growth in H1 was as a consequence of Covid & in which case, entirely reasonable to assume it both carried through & grew throughout the entirety of H2 for same reasons.
That would be a whole year of new customers accustomed to using the MBO ecosystem & I suspect that will prove 'sticky' ie. they wont stop/reduce their use of the ecosystem if/as/when the Covid vaccination programme enables a gradual return to more 'normal' life. Folk are always keen to embrace time-savings. Users will have become accustomed to paying bills & topping up their phones through the MBO ecosystem and most unlikely to go back to the 'old way'.

Costs in this sort of business are more fixed than variable so, once you climb over the breakeven point and grow Revs from there onwards (as occurred in 2018), the inherent leverage in the business model should see a higher contribution to profits & cash, as Revs continue to grow …. & Revs are growing like topsy with cash generation to delight a drunken sailor.