MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
45.425 EUR
+1.13 (+2.54%)
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 has a great profitability rating, 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
MOL had positive earnings in the past year.
In the past year MOL had a positive cash flow from operations.
MOL had positive earnings in each of the past 5 years.
Each year in the past 5 years MOL had a positive operating cash flow.
1.2 Ratios
MOL has a Return On Assets of 5.06%. This is amongst the best in the industry. MOL outperforms 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.
Looking at the Return On Invested Capital, with a value of 9.87%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.35%.
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 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.
With a decent Operating Margin value of 16.23%, MOL is doing good in the industry, outperforming 62.50% of the companies in the same industry.
MOL's Operating Margin has declined in the last couple of years.
MOL has a better Gross Margin (103.20%) than 100.00% of its industry peers.
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MOL is creating some value.
MOL has more shares outstanding than it did 1 year ago.
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 2.64. 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's Altman-Z score of 2.64 is amongst the best of the industry. MOL outperforms 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 87.50% 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.
With a decent Debt to Equity ratio value of 1.30, MOL is doing good in the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.64 |
ROIC/WACC1.35
WACC7.33%
2.3 Liquidity
A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
The Current ratio of MOL (1.28) is better than 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.
Looking at the Quick ratio, with a value of 1.28, MOL is in the better half of 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
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
The Earnings Per Share is expected to grow by 25.73% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.38% on average over the next years. This is a very strong growth
EPS Next Y47.55%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue Next Year46.51%
Revenue Next 2Y28.87%
Revenue Next 3Y20.38%
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
A Price/Earnings ratio of 26.26 indicates a quite expensive valuation of MOL.
MOL's Price/Earnings ratio is in line with the industry average.
MOL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.08.
MOL is valuated rather expensively with a Price/Forward Earnings ratio of 17.85.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL indicates a somewhat cheap valuation: MOL is cheaper than 62.50% of the companies listed in the same industry.
MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.26 | ||
| Fwd PE | 17.85 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MOL indicates a slightly more expensive valuation: MOL is more expensive than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.53 | ||
| EV/EBITDA | 11.31 |
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.
MOL has a very decent profitability rating, which 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)15.4
EPS Next 2Y32.75%
EPS Next 3Y25.73%
5. Dividend
5.1 Amount
MOL has a yearly dividend return of 0.27%, which is pretty low.
MOL's Dividend Yield is comparable with the industry average which is at 2.88.
With a Dividend Yield of 0.27, MOL pays less dividend than the S&P500 average, which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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 (10/27/2025, 5:29:01 PM)
45.425
+1.13 (+2.54%)
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 Cap1.82B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts82.5
Price Target57.2 (25.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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)1.04%
PT rev (3m)1.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)24.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)3.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.26 | ||
| Fwd PE | 17.85 | ||
| P/S | 2.29 | ||
| P/FCF | 16.53 | ||
| P/OCF | 14.84 | ||
| P/B | 4.97 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.31 |
EPS(TTM)1.73
EY3.81%
EPS(NY)2.55
Fwd EY5.6%
FCF(TTM)2.75
FCFY6.05%
OCF(TTM)3.06
OCFY6.74%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.55
PEG (5Y)15.4
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 | 2.64 |
F-Score5
WACC7.33%
ROIC/WACC1.35
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 Y47.55%
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 Year46.51%
Revenue Next 2Y28.87%
Revenue Next 3Y20.38%
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 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 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 26.26 and the Price/Book (PB) ratio is 4.97.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.