MOLTIPLY GROUP SPA (MOL.MI) Fundamental Analysis & Valuation

BIT:MOL • IT0004195308

32.35 EUR
-0.15 (-0.46%)
Last: Mar 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This MOL.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL against 8 industry peers in the Consumer Finance industry. MOL scores excellent on profitability, but there are some minor concerns on its financial health. MOL is growing strongly while it is still valued neutral. This is a good combination! With these ratings, MOL could be worth investigating further for growth investing!.


Dividend Valuation Growth Profitability Health

7

1. MOL.MI Profitability Analysis

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.
  • 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.
  • The Average Return On Invested Capital over the past 3 years for MOL is in line with the industry average of 6.36%.
  • The 3 year average ROIC (7.14%) for MOL is below the current ROIC(9.87%), indicating increased profibility in the last year.
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

  • MOL's Profit Margin of 8.05% is on the low side compared to the rest of the industry. MOL is outperformed by 75.00% of its industry peers.
  • In the last couple of years the Profit Margin of MOL has declined.
  • The Operating Margin of MOL (16.23%) is better than 62.50% of its industry peers.
  • MOL's Operating Margin has declined in the last couple of years.
  • The Gross Margin of MOL (103.20%) is better than 87.50% 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 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. MOL.MI Health Analysis

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
  • The debt/assets ratio for MOL has been reduced compared to a year ago.
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 2.33. 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.
  • The Altman-Z score of MOL (2.33) is better than 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.
  • With a decent Debt to FCF ratio value of 4.73, MOL is doing good in the industry, outperforming 75.00% 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 62.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 4.73
Altman-Z 2.33
ROIC/WACC1.35
WACC7.29%
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

  • 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 87.50% 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'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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. MOL.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.68% over the past year.
  • 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!
  • 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

  • The Earnings Per Share is expected to grow by 26.07% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 21.47% on average over the next years. This is a very strong growth
EPS Next Y39.69%
EPS Next 2Y32.55%
EPS Next 3Y26.07%
EPS Next 5YN/A
Revenue Next Year48.78%
Revenue Next 2Y30.44%
Revenue Next 3Y21.47%
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.
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 800M
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

More info and screens

Find the best growth stocksShow best growing peers

5

4. MOL.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.70, MOL is valued on the expensive side.
  • 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.
  • MOL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 12.75 indicates a correct valuation of MOL.
  • MOL's Price/Forward Earnings is on the same level as the industry average.
  • MOL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.7
Fwd PE 12.75
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

  • 75.00% 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 RankSector Rank
P/FCF 11.77
EV/EBITDA 8.73
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

  • 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.
  • A more expensive valuation may be justified as MOL's earnings are expected to grow with 26.07% in the coming years.
PEG (NY)0.47
PEG (5Y)10.96
EPS Next 2Y32.55%
EPS Next 3Y26.07%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. MOL.MI Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.36%, MOL is not a good candidate for dividend investing.
  • MOL's Dividend Yield is comparable with the industry average which is at 1.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, MOL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.36%

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 2Y32.55%
EPS Next 3Y26.07%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

MOL.MI Fundamentals: All Metrics, Ratios and Statistics

MOLTIPLY GROUP SPA

BIT:MOL (3/13/2026, 7:00:00 PM)

32.35

-0.15 (-0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)03-16
Inst Owners19.86%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.29B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target59.36 (83.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.36%
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)0.87%
PT rev (3m)0.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.63%
EPS NY rev (3m)-8.48%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE 18.7
Fwd PE 12.75
P/S 1.63
P/FCF 11.77
P/OCF 10.57
P/B 3.54
P/tB N/A
EV/EBITDA 8.73
EPS(TTM)1.73
EY5.35%
EPS(NY)2.54
Fwd EY7.84%
FCF(TTM)2.75
FCFY8.5%
OCF(TTM)3.06
OCFY9.46%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.47
PEG (5Y)10.96
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 2.33
F-Score5
WACC7.29%
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 Y39.69%
EPS Next 2Y32.55%
EPS Next 3Y26.07%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year48.78%
Revenue Next 2Y30.44%
Revenue Next 3Y21.47%
Revenue Next 5YN/A
EBIT growth 1Y40.65%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year149.96%
EBIT Next 3Y46.68%
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 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 39.69% in the next year.