MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
37.45 EUR
+1.4 (+3.88%)
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 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 not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings could make MOL a good candidate for growth investing.
1. Profitability
1.1 Basic Checks
- MOL had positive earnings in the past year.
- 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
- MOL's Return On Assets of 5.06% is amongst the best of the industry. MOL outperforms 100.00% of its industry peers.
- With a decent Return On Equity value of 17.50%, MOL is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- 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 4.52%.
- 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.
- MOL's Profit Margin has declined in the last couple of years.
- MOL's Operating Margin of 16.23% is fine compared to the rest of the industry. MOL outperforms 62.50% 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 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.
- 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 2.42. 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 has a Altman-Z score of 2.42. This is amongst the best in the industry. MOL outperforms 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.
- Looking at the Debt to FCF ratio, with a value of 4.73, MOL is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
- MOL has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of MOL (1.30) is better than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.42 |
ROIC/WACC1.39
WACC7.1%
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 amongst the best in the industry. MOL outperforms 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 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.
- The Earnings Per Share has been growing slightly by 1.71% on average over the past years.
- 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
- The Earnings Per Share is expected to grow by 28.30% on average over the next years. This is a very strong growth
- Based on estimates for the next years, MOL will show a very strong growth in Revenue. The Revenue will grow by 20.91% on average per year.
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
- 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
- The Price/Earnings ratio is 21.65, which indicates a rather expensive current valuation of MOL.
- Based on the Price/Earnings ratio, MOL is valued a bit cheaper than 62.50% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.33. MOL is valued slightly cheaper when compared to this.
- MOL is valuated correctly with a Price/Forward Earnings ratio of 13.85.
- MOL's Price/Forward Earnings ratio is in line with the industry average.
- MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.65 | ||
| Fwd PE | 13.85 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MOL indicates a rather cheap valuation: MOL is cheaper than 87.50% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, MOL is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.63 | ||
| EV/EBITDA | 9.5 |
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.
- MOL's earnings are expected to grow with 28.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)12.69
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 slightly below the industry average, which is at 1.85.
- Compared to an average S&P500 Dividend Yield of 1.91, MOL's dividend is way lower than the S&P500 average.
| 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 (1/14/2026, 5:35:30 PM)
37.45
+1.4 (+3.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-12 2026-03-12/amc
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.50B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (57.14%)
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%
PT rev (3m)2.9%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.44%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.65 | ||
| Fwd PE | 13.85 | ||
| P/S | 1.88 | ||
| P/FCF | 13.63 | ||
| P/OCF | 12.23 | ||
| P/B | 4.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.5 |
EPS(TTM)1.73
EY4.62%
EPS(NY)2.7
Fwd EY7.22%
FCF(TTM)2.75
FCFY7.34%
OCF(TTM)3.06
OCFY8.18%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.41
PEG (5Y)12.69
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 | 2.42 |
F-Score5
WACC7.1%
ROIC/WACC1.39
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 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 52.62% in the next year.