MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
34.45 EUR
-0.2 (-0.58%)
Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL against 7 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! With these ratings, MOL could be worth investigating further 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.
In the past 5 years MOL has always been profitable.
Each year in the past 5 years MOL had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 5.06%, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.50%, MOL belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
MOL has a better Return On Invested Capital (9.87%) 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 4.51%.
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 perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
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 71.43% of its industry peers.
MOL's Operating Margin has declined in the last couple of years.
MOL has a better Gross Margin (103.20%) than 85.71% of its industry peers.
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
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 more shares outstanding
The number of shares outstanding for MOL has been reduced compared to 5 years ago.
Compared to 1 year ago, MOL has an improved debt to assets ratio.
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.
With an excellent Altman-Z score value of 2.38, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 4.73, MOL is in the better half of the industry, outperforming 71.43% 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.
With a decent Debt to Equity ratio value of 1.30, MOL is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.38 |
ROIC/WACC1.4
WACC7.03%
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 85.71% of its industry peers.
A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
MOL has a better Quick ratio (1.28) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.28 | ||
| Quick Ratio | 1.28 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 11.68% over the past year.
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.
MOL shows a strong growth in Revenue. In the last year, 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
Based on estimates for the next years, MOL will show a very strong growth in Earnings Per Share. The EPS will grow by 28.30% on average per year.
The Revenue is expected to grow by 20.91% on average over the next years. This is a very strong growth
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
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 19.91.
Based on the Price/Earnings ratio, MOL is valued a bit cheaper than 71.43% of the companies in the same industry.
MOL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
The Price/Forward Earnings ratio is 12.74, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, MOL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.91 | ||
| Fwd PE | 12.74 |
4.2 Price Multiples
85.71% of the companies in the same industry are more expensive than MOL, based on the Enterprise Value to EBITDA ratio.
MOL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.53 | ||
| EV/EBITDA | 9.15 |
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 28.30% in the coming years.
PEG (NY)0.38
PEG (5Y)11.68
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.
MOL's Dividend Yield is comparable with the industry average which is at 1.97.
With a Dividend Yield of 0.34, MOL pays less dividend than the S&P500 average, which is at 2.00.
| 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 (12/30/2025, 5:29:27 PM)
34.45
-0.2 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.97%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.38B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (70.83%)
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)0.65%
PT rev (3m)3.96%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)12.79%
EPS NY rev (3m)3.44%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.91 | ||
| Fwd PE | 12.74 | ||
| P/S | 1.73 | ||
| P/FCF | 12.53 | ||
| P/OCF | 11.25 | ||
| P/B | 3.77 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.15 |
EPS(TTM)1.73
EY5.02%
EPS(NY)2.7
Fwd EY7.85%
FCF(TTM)2.75
FCFY7.98%
OCF(TTM)3.06
OCFY8.89%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.38
PEG (5Y)11.68
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 | 2.38 |
F-Score5
WACC7.03%
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.