MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:MOL • IT0004195308

34.25 EUR
-0.35 (-1.01%)
Last: Feb 3, 2026, 07:00 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes MOL very considerable 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.
  • MOL had positive earnings in each of the past 5 years.
  • MOL had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of MOL (5.06%) is better than 100.00% of its industry peers.
  • MOL's Return On Equity of 17.50% is fine compared to the rest of the industry. MOL outperforms 75.00% of its industry peers.
  • 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 4.67%.
  • 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 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

  • The Profit Margin of MOL (8.05%) is worse than 62.50% of its industry peers.
  • MOL's Profit Margin has declined in the last couple of years.
  • MOL has a Operating Margin of 16.23%. This is in the better half of the industry: MOL outperforms 75.00% of its industry peers.
  • In the last couple of years the Operating Margin of MOL has declined.
  • Looking at the Gross Margin, with a value of 103.20%, MOL belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • In the last couple of years the Gross Margin of MOL has remained more or less at the same level.
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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6

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.
  • Compared to 1 year ago, MOL has an improved debt to assets ratio.
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

  • MOL has an Altman-Z score of 2.38. 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 2.38. 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's Debt to FCF ratio of 4.73 is fine compared to the rest of the industry. MOL outperforms 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 62.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 4.73
Altman-Z 2.38
ROIC/WACC1.34
WACC7.38%
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

  • 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 Current ratio of 1.28. This is amongst the best in the industry. MOL outperforms 87.50% 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 amongst the best of the industry. MOL outperforms 87.50% of its industry peers.
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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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.
  • 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%.
  • MOL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.68% yearly.
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
  • MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.91% yearly.
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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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.80, which indicates a rather expensive current valuation of MOL.
  • 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.
  • When comparing the Price/Earnings ratio of MOL to the average of the S&P500 Index (28.18), we can say MOL is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 13.65, 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, MOL is valued a bit cheaper.
Industry RankSector Rank
PE 19.8
Fwd PE 13.65
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MOL indicates a rather cheap valuation: MOL is cheaper than 87.50% of the companies listed in the same industry.
  • MOL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.46
EV/EBITDA 9.19
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.
  • A more expensive valuation may be justified as MOL's earnings are expected to grow with 25.48% in the coming years.
PEG (NY)0.51
PEG (5Y)11.61
EPS Next 2Y31.82%
EPS Next 3Y25.48%

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2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.34%, MOL is not a good candidate for dividend investing.
  • In the last 3 months the price of MOL has falen by -20.53%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • MOL's Dividend Yield is comparable with the industry average which is at 1.76.
  • Compared to an average S&P500 Dividend Yield of 1.83, MOL's dividend is way lower than the S&P500 average.
Industry RankSector 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 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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MOLTIPLY GROUP SPA

BIT:MOL (2/3/2026, 7:00:00 PM)

34.25

-0.35 (-1.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)03-12
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.37B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (71.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-9.05%
EPS NY rev (3m)-5.92%
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 RankSector Rank
PE 19.8
Fwd PE 13.65
P/S 1.72
P/FCF 12.46
P/OCF 11.19
P/B 3.75
P/tB N/A
EV/EBITDA 9.19
EPS(TTM)1.73
EY5.05%
EPS(NY)2.51
Fwd EY7.33%
FCF(TTM)2.75
FCFY8.02%
OCF(TTM)3.06
OCFY8.94%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.51
PEG (5Y)11.61
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 2.38
F-Score5
WACC7.38%
ROIC/WACC1.34
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 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 38.81% in the next year.