MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
36.8 EUR
+0.75 (+2.08%)
MOL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals 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. MOL is growing strongly while it is still valued neutral. This is a good combination! These ratings could make MOL a good candidate for growth investing.
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.
- Each year in the past 5 years MOL had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of MOL (5.06%) is better than 100.00% of its industry peers.
- With a decent Return On Equity value of 17.50%, MOL is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- MOL's Return On Invested Capital of 9.87% is amongst the best of the industry. MOL outperforms 100.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.52%.
- The last Return On Invested Capital (9.87%) for MOL is above the 3 year average (7.14%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 8.05%, MOL is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of MOL has declined.
- MOL has a Operating Margin of 16.23%. This is in the better half of the industry: MOL outperforms 62.50% of its industry peers.
- MOL's Operating Margin has declined in the last couple of years.
- MOL's Gross Margin of 103.20% is amongst the best of the industry. MOL outperforms 87.50% 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 Rank | Sector 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%
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.
- The number of shares outstanding for MOL has been increased compared to 1 year ago.
- The number of shares outstanding for MOL has been reduced compared to 5 years ago.
- MOL has a better debt/assets ratio than last year.
2.2 Solvency
- MOL has an Altman-Z score of 2.42. This is not the best score and indicates that MOL is in the grey zone with still only limited risk for bankruptcy at the moment.
- MOL has a Altman-Z score of 2.42. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
- MOL has a debt to FCF ratio of 4.73. This is a neutral value as MOL would need 4.73 years to pay back of all of its debts.
- MOL has a better Debt to FCF ratio (4.73) than 62.50% of its industry peers.
- A Debt/Equity ratio of 1.30 is on the high side and indicates that MOL has dependencies on debt financing.
- MOL has a Debt to Equity ratio of 1.30. This is in the better half of the industry: MOL outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.42 |
ROIC/WACC1.4
WACC7.07%
2.3 Liquidity
- A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
- With an excellent Current ratio value of 1.28, MOL belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
- MOL has a Quick Ratio of 1.28. This is a normal value and indicates that MOL is financially healthy and should not expect problems in meeting its short term obligations.
- The Quick ratio of MOL (1.28) is better than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.28 | ||
| Quick Ratio | 1.28 |
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.
- The Earnings Per Share has been growing slightly by 1.71% on average over the past years.
- 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 28.30% on average over the next years. This is a very strong growth
- MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.91% yearly.
EPS Next Y52.62%
EPS Next 2Y36.83%
EPS Next 3Y28.3%
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.
4. Valuation
4.1 Price/Earnings Ratio
- MOL is valuated rather expensively with a Price/Earnings ratio of 21.27.
- Based on the Price/Earnings ratio, MOL is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.30, MOL is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 13.61, the valuation of MOL can be described as correct.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of MOL to the average of the S&P500 Index (24.04), we can say MOL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.27 | ||
| Fwd PE | 13.61 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
- MOL's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. MOL is more expensive than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.39 | ||
| EV/EBITDA | 9.5 |
4.3 Compensation for Growth
- MOL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- MOL has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as MOL's earnings are expected to grow with 28.30% in the coming years.
PEG (NY)0.4
PEG (5Y)12.47
EPS Next 2Y36.83%
EPS Next 3Y28.3%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.34%, MOL is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 1.85, MOL is paying slightly less dividend.
- With a Dividend Yield of 0.34, MOL pays less dividend than the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.34% |
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 2Y36.83%
EPS Next 3Y28.3%
BIT:MOL (1/14/2026, 12:02:08 PM)
36.8
+0.75 (+2.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-12 2026-03-12/amc
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.47B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (59.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.34% |
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)3.44%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.27 | ||
| Fwd PE | 13.61 | ||
| P/S | 1.85 | ||
| P/FCF | 13.39 | ||
| P/OCF | 12.02 | ||
| P/B | 4.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.5 |
EPS(TTM)1.73
EY4.7%
EPS(NY)2.7
Fwd EY7.35%
FCF(TTM)2.75
FCFY7.47%
OCF(TTM)3.06
OCFY8.32%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.4
PEG (5Y)12.47
Graham Number18.87
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.42 |
F-Score5
WACC7.07%
ROIC/WACC1.4
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 Y52.62%
EPS Next 2Y36.83%
EPS Next 3Y28.3%
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 6 / 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 52.62% in the next year.