Generally, if you only need a small basic car and do 10k miles or less, pcp deals are half the cost of mobility….and obviously some really great deals on the market at the moment with the glut of cars sitting in warehouses.
If your needs are such that you need a bigger suv or a more luxurious car maker and do more than 10k miles a year then mobility is always a winner. Not forgetting the insurance and servicing is also included.