MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis

BIT:MOL • IT0004195308

31.55 EUR
-0.25 (-0.79%)
Last: Feb 16, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

MOL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 10 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes MOL very considerable for growth investing!


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year MOL was profitable.
  • 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.
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

  • With an excellent Return On Assets value of 5.06%, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • The Return On Equity of MOL (17.50%) is better than 80.00% 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 3.98%.
  • 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 has a worse Profit Margin (8.05%) than 60.00% of its industry peers.
  • 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 80.00% of the companies in the same industry.
  • MOL's Operating Margin has declined in the last couple of years.
  • MOL's Gross Margin of 103.20% is amongst the best of the industry. MOL outperforms 90.00% 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 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • 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.
  • MOL has a better debt/assets ratio than last year.
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 2.31. 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 better Altman-Z score (2.31) 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 Debt to FCF ratio value of 4.73, MOL perfoms like the industry average, outperforming 60.00% 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.
  • Looking at the Debt to Equity ratio, with a value of 1.30, MOL is in line with its industry, outperforming 60.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.3
Debt/FCF 4.73
Altman-Z 2.31
ROIC/WACC1.26
WACC7.82%
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

  • 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.
  • With a decent Current ratio value of 1.28, MOL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • 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.
  • MOL has a Quick ratio of 1.28. This is in the better half of the industry: MOL outperforms 80.00% 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

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

8

3. Growth

3.1 Past

  • MOL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.68%, which is quite good.
  • 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

  • Based on estimates for the next years, MOL will show a very strong growth in Earnings Per Share. The EPS will grow by 25.48% on average per year.
  • 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 Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
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.
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
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

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 18.24, 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.
  • Compared to an average S&P500 Price/Earnings ratio of 27.19, MOL is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 12.57 indicates a correct valuation of MOL.
  • MOL's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of MOL to the average of the S&P500 Index (28.06), we can say MOL is valued rather cheaply.
Industry RankSector Rank
PE 18.24
Fwd PE 12.57
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MOL indicates a rather cheap valuation: MOL is cheaper than 90.00% of the companies listed in the same industry.
  • MOL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.48
EV/EBITDA 8.57
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.
  • The decent profitability rating of MOL may justify a higher PE ratio.
  • A more expensive valuation may be justified as MOL's earnings are expected to grow with 25.48% in the coming years.
PEG (NY)0.47
PEG (5Y)10.69
EPS Next 2Y31.82%
EPS Next 3Y25.48%

More info and screens

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

2

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.38%, MOL is not a good candidate for dividend investing.
  • In the last 3 months the price of MOL has falen by -22.10%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 1.57, MOL has a dividend in line with its industry peers.
  • 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 0.38%

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 2Y31.82%
EPS Next 3Y25.48%
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

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MOLTIPLY GROUP SPA

BIT:MOL (2/16/2026, 7:00:00 PM)

31.55

-0.25 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)03-16
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.26B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (86.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.38%
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)2.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.21%
Valuation
Industry RankSector Rank
PE 18.24
Fwd PE 12.57
P/S 1.59
P/FCF 11.48
P/OCF 10.31
P/B 3.45
P/tB N/A
EV/EBITDA 8.57
EPS(TTM)1.73
EY5.48%
EPS(NY)2.51
Fwd EY7.96%
FCF(TTM)2.75
FCFY8.71%
OCF(TTM)3.06
OCFY9.7%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.47
PEG (5Y)10.69
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 2.31
F-Score5
WACC7.82%
ROIC/WACC1.26
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 Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
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 6 / 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 5 / 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 38.81% in the next year.