MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
40.5 EUR
-0.7 (-1.7%)
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 10 industry peers in the Consumer Finance industry. MOL has an excellent profitability rating, but there are some minor concerns on its financial health. MOL is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings would make MOL suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year MOL was profitable.
MOL had a positive operating cash flow in the past year.
In the past 5 years MOL has always been profitable.
In the past 5 years MOL always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.06%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Return On Equity of MOL (17.50%) is better than 80.00% of its industry peers.
MOL has a better Return On Invested Capital (9.87%) than 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 4.43%.
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
MOL has a worse Profit Margin (8.05%) than 60.00% of its industry peers.
MOL's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 16.23%, MOL is doing good in the industry, outperforming 70.00% 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 100.00% of the companies in the same industry.
MOL's Gross Margin has been stable in the last couple of years.
| 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
MOL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, MOL has more 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.
2.2 Solvency
MOL has an Altman-Z score of 2.56. 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.
The Altman-Z score of MOL (2.56) is better than 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.
Looking at the Debt to FCF ratio, with a value of 4.73, MOL is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
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 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.56 |
ROIC/WACC1.28
WACC7.7%
2.3 Liquidity
MOL has a Current 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.
MOL has a better Current ratio (1.28) than 80.00% of its industry peers.
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.
MOL's Quick ratio of 1.28 is fine compared to the rest of the industry. MOL outperforms 80.00% 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.
MOL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.71% yearly.
Looking at the last year, MOL shows a very strong growth in Revenue. The Revenue has grown by 24.76%.
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 24.54% on average over the next years. This is a very strong growth
Based on estimates for the next years, MOL will show a very strong growth in Revenue. The Revenue will grow by 20.95% on average per year.
EPS Next Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
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 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 23.41.
Based on the Price/Earnings ratio, MOL is valued a bit cheaper than 70.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of MOL to the average of the S&P500 Index (25.89), we can say MOL is valued inline with the index average.
With a Price/Forward Earnings ratio of 16.52, MOL is valued correctly.
MOL's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of MOL to the average of the S&P500 Index (34.59), we can say MOL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.41 | ||
| Fwd PE | 16.52 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaper than 90.00% of the companies in the same industry.
MOL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.74 | ||
| EV/EBITDA | 10.63 |
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.
A more expensive valuation may be justified as MOL's earnings are expected to grow with 24.54% in the coming years.
PEG (NY)0.66
PEG (5Y)13.73
EPS Next 2Y30.29%
EPS Next 3Y24.54%
5. Dividend
5.1 Amount
MOL has a yearly dividend return of 0.29%, which is pretty low.
MOL's Dividend Yield is comparable with the industry average which is at 2.85.
Compared to an average S&P500 Dividend Yield of 2.44, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.29% |
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
MOL pays out 7.02% of its income as dividend. This is a sustainable payout ratio.
DP7.02%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
BIT:MOL (11/17/2025, 5:29:38 PM)
40.5
-0.7 (-1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.39%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.62B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target57.2 (41.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.29% |
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)1.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.29%
EPS NY rev (3m)14.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.84%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.41 | ||
| Fwd PE | 16.52 | ||
| P/S | 2.04 | ||
| P/FCF | 14.74 | ||
| P/OCF | 13.23 | ||
| P/B | 4.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.63 |
EPS(TTM)1.73
EY4.27%
EPS(NY)2.45
Fwd EY6.05%
FCF(TTM)2.75
FCFY6.79%
OCF(TTM)3.06
OCFY7.56%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.66
PEG (5Y)13.73
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 | 2.56 |
F-Score5
WACC7.7%
ROIC/WACC1.28
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 Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
Revenue Next 5YN/A
EBIT growth 1Y40.65%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year142.36%
EBIT Next 3Y45.03%
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.
Can you provide the valuation status for MOLTIPLY GROUP SPA?
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 are the PE and PB ratios of MOLTIPLY GROUP SPA (MOL.MI) stock?
The Price/Earnings (PE) ratio for MOLTIPLY GROUP SPA (MOL.MI) is 23.41 and the Price/Book (PB) ratio is 4.43.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.