MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis

BIT:MOL • IT0004195308

31.8 EUR
-0.1 (-0.31%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Taking everything into account, MOL scores 6 out of 10 in our fundamental rating. MOL was compared to 10 industry peers in the Consumer Finance industry. While MOL belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. MOL is not overvalued while it is showing excellent growth. This is an interesting combination. These ratings could make MOL a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year MOL was profitable.
  • In the past year MOL had a positive cash flow from operations.
  • In the past 5 years MOL has always been profitable.
  • Each year in the past 5 years MOL had a positive operating cash flow.
MOL.MI Yearly Net Income VS EBIT VS OCF VS FCFMOL.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

1.2 Ratios

  • MOL's Return On Assets of 5.06% is amongst the best of the industry. MOL outperforms 100.00% of its industry peers.
  • With a decent Return On Equity value of 17.50%, MOL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • The Return On Invested Capital of MOL (9.87%) is better than 100.00% of its industry peers.
  • MOL had an Average Return On Invested Capital over the past 3 years of 7.14%. This is above the industry average of 3.98%.
  • The 3 year average ROIC (7.14%) for MOL is below the current ROIC(9.87%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.06%
ROE 17.5%
ROIC 9.87%
ROA(3y)4.45%
ROA(5y)7.31%
ROE(3y)14.08%
ROE(5y)20.7%
ROIC(3y)7.14%
ROIC(5y)8.71%
MOL.MI Yearly ROA, ROE, ROICMOL.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • MOL has a Profit Margin of 8.05%. This is in the lower half of the industry: MOL underperforms 60.00% of its industry peers.
  • MOL's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 16.23%, MOL is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of MOL has declined.
  • With an excellent Gross Margin value of 103.20%, MOL belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
  • MOL's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 16.23%
PM (TTM) 8.05%
GM 103.2%
OM growth 3Y-11.12%
OM growth 5Y-6.93%
PM growth 3Y20.52%
PM growth 5Y-12.96%
GM growth 3Y0.57%
GM growth 5Y0.45%
MOL.MI Yearly Profit, Operating, Gross MarginsMOL.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MOL is creating some value.
  • MOL has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, MOL has less shares outstanding
  • The debt/assets ratio for MOL has been reduced compared to a year ago.
MOL.MI Yearly Shares OutstandingMOL.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
MOL.MI Yearly Total Debt VS Total AssetsMOL.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • An Altman-Z score of 2.31 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • MOL's Altman-Z score of 2.31 is amongst the best of the industry. MOL outperforms 100.00% of its industry peers.
  • The Debt to FCF ratio of MOL is 4.73, which is a neutral value as it means it would take MOL, 4.73 years of fcf income to pay off all of its debts.
  • MOL has a Debt to FCF ratio of 4.73. This is comparable to the rest of the industry: MOL outperforms 60.00% of its industry peers.
  • MOL has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
  • MOL has a Debt to Equity ratio of 1.30. This is comparable to the rest of the industry: MOL outperforms 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 4.73
Altman-Z 2.31
ROIC/WACC1.21
WACC8.14%
MOL.MI Yearly LT Debt VS Equity VS FCFMOL.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
  • MOL has a better Current ratio (1.28) than 80.00% of its industry peers.
  • A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.28, MOL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.28
Quick Ratio 1.28
MOL.MI Yearly Current Assets VS Current LiabilitesMOL.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • MOL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.68%, which is quite good.
  • Measured over the past 5 years, MOL shows a small growth in Earnings Per Share. The EPS has been growing by 1.71% on average per year.
  • The Revenue has grown by 24.76% in the past year. This is a very strong growth!
  • The Revenue has been growing by 15.68% on average over the past years. This is quite good.
EPS 1Y (TTM)11.68%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.63%
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%

3.2 Future

  • The Earnings Per Share is expected to grow by 25.48% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 20.91% on average over the next years. This is a very strong growth
EPS Next Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
EPS Next 5YN/A
Revenue Next Year48.05%
Revenue Next 2Y29.77%
Revenue Next 3Y20.91%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
MOL.MI Yearly Revenue VS EstimatesMOL.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
MOL.MI Yearly EPS VS EstimatesMOL.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.38 indicates a rather expensive valuation of MOL.
  • MOL's Price/Earnings ratio is in line with the industry average.
  • MOL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.68.
  • The Price/Forward Earnings ratio is 12.67, which indicates a correct valuation of MOL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. MOL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 18.38
Fwd PE 12.67
MOL.MI Price Earnings VS Forward Price EarningsMOL.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
  • MOL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.57
EV/EBITDA 8.57
MOL.MI Per share dataMOL.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of MOL may justify a higher PE ratio.
  • MOL's earnings are expected to grow with 25.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)10.78
EPS Next 2Y31.82%
EPS Next 3Y25.48%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. Dividend

5.1 Amount

  • MOL has a yearly dividend return of 0.38%, which is pretty low.
  • In the last 3 months the price of MOL has falen by -22.82%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 1.57, MOL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, MOL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.38%

5.2 History

  • The dividend of MOL decreases each year by -16.71%.
Dividend Growth(5Y)-16.71%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 7.02% of the earnings are spent on dividend by MOL. This is a low number and sustainable payout ratio.
DP7.02%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
MOL.MI Yearly Income VS Free CF VS DividendMOL.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M
MOL.MI Dividend Payout.MOL.MI Dividend Payout, showing the Payout Ratio.MOL.MI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

MOLTIPLY GROUP SPA

BIT:MOL (2/13/2026, 7:00:00 PM)

31.8

-0.1 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)03-16
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.27B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (85.06%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.38%
Yearly Dividend0.12
Dividend Growth(5Y)-16.71%
DP7.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.9%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)2.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 18.38
Fwd PE 12.67
P/S 1.6
P/FCF 11.57
P/OCF 10.39
P/B 3.48
P/tB N/A
EV/EBITDA 8.57
EPS(TTM)1.73
EY5.44%
EPS(NY)2.51
Fwd EY7.89%
FCF(TTM)2.75
FCFY8.64%
OCF(TTM)3.06
OCFY9.63%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.47
PEG (5Y)10.78
Graham Number18.87
Profitability
Industry RankSector Rank
ROA 5.06%
ROE 17.5%
ROCE 13.74%
ROIC 9.87%
ROICexc 12.31%
ROICexgc 94.23%
OM 16.23%
PM (TTM) 8.05%
GM 103.2%
FCFM 13.83%
ROA(3y)4.45%
ROA(5y)7.31%
ROE(3y)14.08%
ROE(5y)20.7%
ROIC(3y)7.14%
ROIC(5y)8.71%
ROICexc(3y)9.85%
ROICexc(5y)12.45%
ROICexgc(3y)453.17%
ROICexgc(5y)292.84%
ROCE(3y)9.91%
ROCE(5y)12.13%
ROICexgc growth 3Y217.43%
ROICexgc growth 5Y105.06%
ROICexc growth 3Y-11.28%
ROICexc growth 5Y-8.93%
OM growth 3Y-11.12%
OM growth 5Y-6.93%
PM growth 3Y20.52%
PM growth 5Y-12.96%
GM growth 3Y0.57%
GM growth 5Y0.45%
F-Score5
Asset Turnover0.63
Health
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 4.73
Debt/EBITDA 2.6
Cap/Depr 23.17%
Cap/Sales 1.58%
Interest Coverage 6.55
Cash Conversion 66.89%
Profit Quality 171.77%
Current Ratio 1.28
Quick Ratio 1.28
Altman-Z 2.31
F-Score5
WACC8.14%
ROIC/WACC1.21
Cap/Depr(3y)11.46%
Cap/Depr(5y)10.68%
Cap/Sales(3y)1.05%
Cap/Sales(5y)0.85%
Profit Quality(3y)204.47%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.68%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.63%
EPS Next Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year48.05%
Revenue Next 2Y29.77%
Revenue Next 3Y20.91%
Revenue Next 5YN/A
EBIT growth 1Y40.65%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year148.87%
EBIT Next 3Y46%
EBIT Next 5YN/A
FCF growth 1Y49.27%
FCF growth 3YN/A
FCF growth 5Y20.18%
OCF growth 1Y56.1%
OCF growth 3Y317.74%
OCF growth 5Y19.53%

MOLTIPLY GROUP SPA / MOL.MI FAQ

Can you provide the ChartMill fundamental rating for MOLTIPLY GROUP SPA?

ChartMill assigns a fundamental rating of 6 / 10 to MOL.MI.


What is the valuation status for MOL stock?

ChartMill assigns a valuation rating of 6 / 10 to MOLTIPLY GROUP SPA (MOL.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for MOLTIPLY GROUP SPA?

MOLTIPLY GROUP SPA (MOL.MI) has a profitability rating of 7 / 10.


What is the financial health of MOLTIPLY GROUP SPA (MOL.MI) stock?

The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 5 / 10.


What is the expected EPS growth for MOLTIPLY GROUP SPA (MOL.MI) stock?

The Earnings per Share (EPS) of MOLTIPLY GROUP SPA (MOL.MI) is expected to grow by 38.81% in the next year.