MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
43.25 EUR
-0.7 (-1.59%)
Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL 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 overvalued while it is showing excellent growth. This is an interesting combination. 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.
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
MOL has a better Return On Assets (5.06%) than 100.00% of its industry peers.
With an excellent Return On Equity value of 17.50%, MOL belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
With an excellent Return On Invested Capital value of 9.87%, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.43%.
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
MOL has a Profit Margin (8.05%) which is comparable to the rest of the industry.
MOL's Profit Margin has declined in the last couple of years.
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.
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.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MOL is still creating some value.
MOL has more shares outstanding than it did 1 year ago.
MOL has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MOL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.63 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
MOL has a better Altman-Z score (2.63) 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.
The Debt to FCF ratio of MOL (4.73) is better than 75.00% of its industry peers.
MOL has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
MOL's Debt to Equity ratio of 1.30 is fine compared to the rest 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 | 2.63 |
ROIC/WACC1.36
WACC7.25%
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 in the better half of the industry: MOL outperforms 75.00% of its industry peers.
A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.28, MOL is doing good in the industry, outperforming 75.00% 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.
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
MOL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.73% yearly.
The Revenue is expected to grow by 20.15% on average over the next years. This is a very strong growth
EPS Next Y45.28%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue Next Year45.3%
Revenue Next 2Y28.36%
Revenue Next 3Y20.15%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
MOL is valuated quite expensively with a Price/Earnings ratio of 25.00.
Compared to the rest of the industry, the Price/Earnings ratio of MOL is on the same level as its industry peers.
When comparing the Price/Earnings ratio of MOL to the average of the S&P500 Index (27.38), we can say MOL is valued inline with the index average.
With a Price/Forward Earnings ratio of 16.99, MOL is valued correctly.
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 (22.86), we can say MOL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 16.99 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as MOL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.74 | ||
| EV/EBITDA | 11.23 |
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.
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 25.73% in the coming years.
PEG (NY)0.55
PEG (5Y)14.66
EPS Next 2Y32.75%
EPS Next 3Y25.73%
5. Dividend
5.1 Amount
With a yearly dividend of 0.29%, MOL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.00, MOL has a dividend in line with its industry peers.
With a Dividend Yield of 0.29, MOL pays less dividend than the S&P500 average, which is at 2.38.
| 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 2Y32.75%
EPS Next 3Y25.73%
BIT:MOL (9/19/2025, 7:00:00 PM)
43.25
-0.7 (-1.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.81%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.73B
Analysts82.5
Price Target56.61 (30.89%)
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)22.93%
EPS NY rev (3m)22.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)2.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25 | ||
| Fwd PE | 16.99 | ||
| P/S | 2.18 | ||
| P/FCF | 15.74 | ||
| P/OCF | 14.13 | ||
| P/B | 4.73 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.23 |
EPS(TTM)1.73
EY4%
EPS(NY)2.55
Fwd EY5.88%
FCF(TTM)2.75
FCFY6.35%
OCF(TTM)3.06
OCFY7.08%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.55
PEG (5Y)14.66
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%
ROICexcg growth 3Y217.43%
ROICexcg 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 | 2.63 |
F-Score5
WACC7.25%
ROIC/WACC1.36
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 Y45.28%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year45.3%
Revenue Next 2Y28.36%
Revenue Next 3Y20.15%
Revenue Next 5YN/A
EBIT growth 1Y40.65%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year138.21%
EBIT Next 3Y43.63%
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%