MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
36.75 EUR
+1.4 (+3.96%)
MOL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 9 industry peers in the Consumer Finance industry. MOL has an excellent profitability rating, 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! 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.
In the past 5 years MOL has always been profitable.
In the past 5 years MOL always reported a positive cash flow from operatings.
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 has a better Return On Equity (17.50%) than 66.67% 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.
MOL had an Average Return On Invested Capital over the past 3 years of 7.14%. This is above the industry average of 4.39%.
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's Profit Margin of 8.05% is on the low side compared to the rest of the industry. MOL is outperformed by 66.67% of its industry peers.
MOL's Profit Margin has declined in the last couple of years.
The Operating Margin of MOL (16.23%) is better than 66.67% of its industry peers.
In the last couple of years the Operating Margin of MOL has declined.
Looking at the Gross Margin, with a value of 103.20%, MOL belongs to the top of the industry, outperforming 88.89% 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
MOL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
2.2 Solvency
MOL has an Altman-Z score of 2.40. 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 2.40, 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.
The Debt to FCF ratio of MOL (4.73) is comparable to the rest of the 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 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.4 |
ROIC/WACC1.39
WACC7.08%
2.3 Liquidity
A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
MOL has a Current ratio of 1.28. This is amongst the best in the industry. MOL outperforms 88.89% of its industry peers.
MOL has a Quick 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.
With an excellent Quick ratio value of 1.28, MOL belongs to the best of the industry, outperforming 88.89% 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.
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!
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
Based on estimates for the next years, MOL will show a very strong growth in Earnings Per Share. The EPS will grow by 28.30% on average per year.
MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.91% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 21.24, the valuation of MOL can be described as rather expensive.
Compared to the rest of the industry, the Price/Earnings ratio of MOL is on the same level as its industry peers.
MOL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.19.
A Price/Forward Earnings ratio of 13.59 indicates a correct valuation of MOL.
The rest of the industry has a similar Price/Forward Earnings ratio as MOL.
MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.24 | ||
| Fwd PE | 13.59 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as MOL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.37 | ||
| EV/EBITDA | 9.35 |
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.
MOL's earnings are expected to grow with 28.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)12.46
EPS Next 2Y36.83%
EPS Next 3Y28.3%
5. Dividend
5.1 Amount
With a yearly dividend of 0.35%, MOL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 1.76, MOL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.35% |
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 2Y36.83%
EPS Next 3Y28.3%
BIT:MOL (1/9/2026, 7:00:00 PM)
36.75
+1.4 (+3.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.47B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (60.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.35% |
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)0.65%
PT rev (3m)3.96%
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)1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.24 | ||
| Fwd PE | 13.59 | ||
| P/S | 1.85 | ||
| P/FCF | 13.37 | ||
| P/OCF | 12 | ||
| P/B | 4.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.35 |
EPS(TTM)1.73
EY4.71%
EPS(NY)2.7
Fwd EY7.36%
FCF(TTM)2.75
FCFY7.48%
OCF(TTM)3.06
OCFY8.33%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.4
PEG (5Y)12.46
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 | 2.4 |
F-Score5
WACC7.08%
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.