MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:MOL • IT0004195308
34.6 EUR
-0.2 (-0.57%)
Last: Feb 2, 2026, 07:00 PM
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 has a great profitability rating, 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! This makes MOL very considerable 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.
- 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.
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.
- 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 has a Return On Invested Capital of 9.87%. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.67%.
- The 3 year average ROIC (7.14%) for MOL is below the current ROIC(9.87%), indicating increased profibility in the last year.
| 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.
- Looking at the Operating Margin, with a value of 16.23%, MOL is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- 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.
- 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.
- The number of shares outstanding for MOL has been increased compared to 1 year ago.
- Compared to 5 years ago, MOL has less shares outstanding
- MOL has a better debt/assets ratio than last year.
2.2 Solvency
- MOL has an Altman-Z score of 2.39. 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 2.39, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- 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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.39 |
ROIC/WACC1.34
WACC7.38%
2.3 Liquidity
- A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.28, MOL belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
- A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
- With an excellent Quick ratio value of 1.28, MOL belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
| 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.
- MOL shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.76%.
- Measured over the past years, MOL shows a quite strong growth in Revenue. The Revenue has been growing by 15.68% on average per year.
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
- MOL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.48% yearly.
- The Revenue is expected to grow by 20.91% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 20.00, MOL is valued on the expensive side.
- Based on the Price/Earnings ratio, MOL is valued a bit cheaper than 62.50% of the companies in the same industry.
- When comparing the Price/Earnings ratio of MOL to the average of the S&P500 Index (28.41), we can say MOL is valued slightly cheaper.
- MOL is valuated correctly with a Price/Forward Earnings ratio of 13.79.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL is on the same level as its industry peers.
- MOL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 25.64, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20 | ||
| Fwd PE | 13.79 |
4.2 Price Multiples
- MOL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MOL is cheaper than 87.50% of the companies in the same industry.
- 62.50% of the companies in the same industry are cheaper than MOL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.59 | ||
| EV/EBITDA | 9.23 |
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.
- MOL's earnings are expected to grow with 25.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)11.73
EPS Next 2Y31.82%
EPS Next 3Y25.48%
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 1.76.
- With a Dividend Yield of 0.34, MOL pays less dividend than the S&P500 average, which is at 1.83.
| 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 2Y31.82%
EPS Next 3Y25.48%
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 5 / 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.