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MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis

BIT:MOL - Euronext Milan - IT0004195308 - Common Stock - Currency: EUR

35.15  +0.65 (+1.88%)

Fundamental Rating

5

Overall MOL gets a fundamental rating of 5 out of 10. We evaluated MOL against 8 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. While showing a medium growth rate, MOL is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years MOL has been profitable.
In the past 5 years MOL always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M 100M

1.2 Ratios

MOL's Return On Assets of 6.15% is amongst the best of the industry. MOL outperforms 100.00% of its industry peers.
MOL has a better Return On Equity (18.38%) than 71.43% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.88%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 5.13%.
The last Return On Invested Capital (9.88%) for MOL is above the 3 year average (7.69%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 6.15%
ROE 18.38%
ROIC 9.88%
ROA(3y)3.86%
ROA(5y)8.87%
ROE(3y)11.37%
ROE(5y)25%
ROIC(3y)7.69%
ROIC(5y)9.89%
MOL.MI Yearly ROA, ROE, ROICMOL.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40 50

1.3 Margins

MOL's Profit Margin of 9.07% is fine compared to the rest of the industry. MOL outperforms 71.43% of its industry peers.
MOL's Profit Margin has declined in the last couple of years.
MOL has a Operating Margin of 14.40%. This is comparable to the rest of the industry: MOL outperforms 57.14% of its industry peers.
In the last couple of years the Operating Margin of MOL has declined.
MOL has a better Gross Margin (103.16%) than 100.00% of its industry peers.
In the last couple of years the Gross Margin of MOL has remained more or less at the same level.
Industry RankSector Rank
OM 14.4%
PM (TTM) 9.07%
GM 103.16%
OM growth 3Y-13.97%
OM growth 5Y-8.95%
PM growth 3Y-44.39%
PM growth 5Y-14.01%
GM growth 3Y0.55%
GM growth 5Y0.49%
MOL.MI Yearly Profit, Operating, Gross MarginsMOL.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60 80 100

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6

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MOL is still creating some value.
Compared to 1 year ago, MOL has less shares outstanding
MOL has less shares outstanding than it did 5 years ago.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
MOL.MI Yearly Total Debt VS Total AssetsMOL.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

An Altman-Z score of 2.86 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
MOL has a Altman-Z score of 2.86. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
The Debt to FCF ratio of MOL is 5.15, which is a neutral value as it means it would take MOL, 5.15 years of fcf income to pay off all of its debts.
MOL's Debt to FCF ratio of 5.15 is fine compared to the rest of the industry. MOL outperforms 71.43% of its industry peers.
A Debt/Equity ratio of 0.89 indicates that MOL is somewhat dependend on debt financing.
MOL has a better Debt to Equity ratio (0.89) than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF 5.15
Altman-Z 2.86
ROIC/WACC1.41
WACC7.02%
MOL.MI Yearly LT Debt VS Equity VS FCFMOL.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.11 indicates that MOL should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.11, MOL is in line with its industry, outperforming 42.86% of the companies in the same industry.
A Quick Ratio of 1.11 indicates that MOL should not have too much problems paying its short term obligations.
MOL has a Quick ratio (1.11) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
MOL.MI Yearly Current Assets VS Current LiabilitesMOL.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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5

3. Growth

3.1 Past

MOL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.93%.
The Earnings Per Share has been growing slightly by 1.84% on average over the past years.
The Revenue has grown by 16.94% in the past year. This is quite good.
The Revenue has been growing by 16.95% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.93%
EPS 3Y-34.28%
EPS 5Y1.84%
EPS Q2Q%-18.07%
Revenue 1Y (TTM)16.94%
Revenue growth 3Y16.24%
Revenue growth 5Y16.95%
Sales Q2Q%13.01%

3.2 Future

The Earnings Per Share is expected to grow by 16.37% on average over the next years. This is quite good.
MOL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.84% yearly.
EPS Next Y19.13%
EPS Next 2Y18.49%
EPS Next 3Y16.37%
EPS Next 5YN/A
Revenue Next Year12.94%
Revenue Next 2Y10.99%
Revenue Next 3Y8.84%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MOL.MI Yearly Revenue VS EstimatesMOL.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 100M 200M 300M 400M 500M
MOL.MI Yearly EPS VS EstimatesMOL.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 23.59, which indicates a rather expensive current valuation of MOL.
Compared to the rest of the industry, the Price/Earnings ratio of MOL is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 29.35. MOL is around the same levels.
A Price/Forward Earnings ratio of 18.78 indicates a rather expensive valuation of MOL.
71.43% of the companies in the same industry are cheaper than MOL, based on the Price/Forward Earnings ratio.
MOL is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 23.59
Fwd PE 18.78
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 cheaper than 85.71% of the companies in the same industry.
71.43% of the companies in the same industry are cheaper than MOL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 19.62
EV/EBITDA 11.41
MOL.MI Per share dataMOL.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
MOL has a very decent profitability rating, which may justify a higher PE ratio.
MOL's earnings are expected to grow with 16.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.23
PEG (5Y)12.81
EPS Next 2Y18.49%
EPS Next 3Y16.37%

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2

5. Dividend

5.1 Amount

With a yearly dividend of 0.35%, MOL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.24, MOL is paying slightly less dividend.
With a Dividend Yield of 0.35, MOL pays less dividend than the S&P500 average, which is at 2.33.
Industry RankSector Rank
Dividend Yield 0.35%

5.2 History

The dividend of MOL decreases each year by -18.27%.
Dividend Growth(5Y)-18.27%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

7.77% of the earnings are spent on dividend by MOL. This is a low number and sustainable payout ratio.
DP7.77%
EPS Next 2Y18.49%
EPS Next 3Y16.37%
MOL.MI Yearly Income VS Free CF VS DividendMOL.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 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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MOLTIPLY GROUP SPA

BIT:MOL (3/7/2025, 7:00:00 PM)

35.15

+0.65 (+1.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-14 2024-11-14
Earnings (Next)03-12 2025-03-12/amc
Inst Owners17.74%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.41B
Analysts82.5
Price Target46.08 (31.1%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.35%
Yearly Dividend0.12
Dividend Growth(5Y)-18.27%
DP7.77%
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)4.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)9.97%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.51%
Revenue NY rev (3m)2.3%
Valuation
Industry RankSector Rank
PE 23.59
Fwd PE 18.78
P/S 2.21
P/FCF 19.62
P/OCF 18.35
P/B 4.47
P/tB N/A
EV/EBITDA 11.41
EPS(TTM)1.49
EY4.24%
EPS(NY)1.87
Fwd EY5.33%
FCF(TTM)1.79
FCFY5.1%
OCF(TTM)1.92
OCFY5.45%
SpS15.93
BVpS7.86
TBVpS-3.58
PEG (NY)1.23
PEG (5Y)12.81
Profitability
Industry RankSector Rank
ROA 6.15%
ROE 18.38%
ROCE 13.95%
ROIC 9.88%
ROICexc 12.23%
ROICexgc 83.61%
OM 14.4%
PM (TTM) 9.07%
GM 103.16%
FCFM 11.25%
ROA(3y)3.86%
ROA(5y)8.87%
ROE(3y)11.37%
ROE(5y)25%
ROIC(3y)7.69%
ROIC(5y)9.89%
ROICexc(3y)11.3%
ROICexc(5y)13.61%
ROICexgc(3y)35.22%
ROICexgc(5y)40.9%
ROCE(3y)10.85%
ROCE(5y)13.94%
ROICexcg growth 3Y-19.46%
ROICexcg growth 5Y-37.27%
ROICexc growth 3Y-22.86%
ROICexc growth 5Y-23.94%
OM growth 3Y-13.97%
OM growth 5Y-8.95%
PM growth 3Y-44.39%
PM growth 5Y-14.01%
GM growth 3Y0.55%
GM growth 5Y0.49%
F-Score8
Asset Turnover0.68
Health
Industry RankSector Rank
Debt/Equity 0.89
Debt/FCF 5.15
Debt/EBITDA 1.96
Cap/Depr 9.64%
Cap/Sales 0.78%
Interest Coverage 6.36
Cash Conversion 53.54%
Profit Quality 124.06%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 2.86
F-Score8
WACC7.02%
ROIC/WACC1.41
Cap/Depr(3y)11.42%
Cap/Depr(5y)13.21%
Cap/Sales(3y)0.92%
Cap/Sales(5y)0.91%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.93%
EPS 3Y-34.28%
EPS 5Y1.84%
EPS Q2Q%-18.07%
EPS Next Y19.13%
EPS Next 2Y18.49%
EPS Next 3Y16.37%
EPS Next 5YN/A
Revenue 1Y (TTM)16.94%
Revenue growth 3Y16.24%
Revenue growth 5Y16.95%
Sales Q2Q%13.01%
Revenue Next Year12.94%
Revenue Next 2Y10.99%
Revenue Next 3Y8.84%
Revenue Next 5YN/A
EBIT growth 1Y-5.31%
EBIT growth 3Y0%
EBIT growth 5Y6.48%
EBIT Next Year64.55%
EBIT Next 3Y26.86%
EBIT Next 5YN/A
FCF growth 1Y44.08%
FCF growth 3Y-5.72%
FCF growth 5Y19.5%
OCF growth 1Y48.79%
OCF growth 3Y-4.39%
OCF growth 5Y18.53%