MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
41.2 EUR
+0.7 (+1.73%)
Taking everything into account, MOL scores 6 out of 10 in our fundamental rating. MOL was compared to 9 industry peers in the Consumer Finance industry. While MOL belongs to the best of the industry regarding profitability, 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.
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
The Return On Assets of MOL (5.06%) is better than 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 17.50%, MOL is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
The Return On Invested Capital of MOL (9.87%) is better than 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.43%.
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
The Profit Margin of MOL (8.05%) is worse than 66.67% of its industry peers.
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 66.67% 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 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.
The number of shares outstanding for MOL has been increased compared to 1 year ago.
MOL has less shares outstanding than it did 5 years ago.
MOL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.54 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 (2.54) 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.
The Debt to FCF ratio of MOL (4.73) is better than 66.67% 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 has a better Debt to Equity ratio (1.30) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.54 |
ROIC/WACC1.38
WACC7.16%
2.3 Liquidity
A Current Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.28, MOL belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
MOL has a Quick ratio of 1.28. This is amongst the best in the industry. MOL outperforms 88.89% 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%.
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
MOL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.54% yearly.
MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.95% yearly.
EPS Next Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
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
Based on the Price/Earnings ratio of 23.82, 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 similar valuation than the S&P500 average which is at 25.65.
With a Price/Forward Earnings ratio of 16.80, MOL is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as MOL.
MOL is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.45, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.82 | ||
| Fwd PE | 16.8 |
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 88.89% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, MOL is valued a bit more expensive than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.99 | ||
| EV/EBITDA | 10.48 |
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 24.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)13.96
EPS Next 2Y30.29%
EPS Next 3Y24.54%
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 2.91, 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 2.41.
| 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
7.02% of the earnings are spent on dividend by MOL. This is a low number and sustainable payout ratio.
DP7.02%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
BIT:MOL (11/24/2025, 7:00:00 PM)
41.2
+0.7 (+1.73%)
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 Cap1.65B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.47 (41.92%)
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)2.23%
PT rev (3m)3.29%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.29%
EPS NY rev (3m)14.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.84%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.82 | ||
| Fwd PE | 16.8 | ||
| P/S | 2.07 | ||
| P/FCF | 14.99 | ||
| P/OCF | 13.46 | ||
| P/B | 4.51 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.48 |
EPS(TTM)1.73
EY4.2%
EPS(NY)2.45
Fwd EY5.95%
FCF(TTM)2.75
FCFY6.67%
OCF(TTM)3.06
OCFY7.43%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.67
PEG (5Y)13.96
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 | 2.54 |
F-Score5
WACC7.16%
ROIC/WACC1.38
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 Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
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 23.82 and the Price/Book (PB) ratio is 4.51.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.