MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
37.2 EUR
+0.4 (+1.09%)
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 growing strongly while it is still valued neutral. This is a good combination! These ratings would make MOL suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year MOL was profitable.
MOL had a positive operating cash flow in the past year.
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
MOL has a Return On Assets of 5.06%. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
MOL has a better Return On Equity (17.50%) than 70.00% of its industry peers.
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.
Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.39%.
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
With a Profit Margin value of 8.05%, MOL is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
MOL's Profit Margin has declined in the last couple of years.
The Operating Margin of MOL (16.23%) is better than 70.00% of its industry peers.
In the last couple of years the Operating Margin of MOL has declined.
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 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.
Compared to 1 year ago, MOL has more shares outstanding
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 2.44 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.44, 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.
MOL's Debt to FCF ratio of 4.73 is in line compared to the rest of the industry. MOL outperforms 60.00% of its industry peers.
A Debt/Equity ratio of 1.30 is on the high side and indicates that MOL has dependencies on debt financing.
MOL has a Debt to Equity ratio (1.30) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.44 |
ROIC/WACC1.37
WACC7.21%
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 better Current ratio (1.28) than 90.00% 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.
MOL has a better Quick ratio (1.28) than 90.00% 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.
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 28.30% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.91% on average over the next years. This is a very strong growth
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
A Price/Earnings ratio of 21.50 indicates a rather expensive valuation of MOL.
The rest of the industry has a similar Price/Earnings ratio as MOL.
The average S&P500 Price/Earnings ratio is at 26.34. MOL is around the same levels.
MOL is valuated correctly with a Price/Forward Earnings ratio of 13.76.
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 23.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.5 | ||
| Fwd PE | 13.76 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaper than 90.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MOL is valued a bit more expensive than 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.53 | ||
| EV/EBITDA | 9.67 |
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.
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)12.61
EPS Next 2Y36.83%
EPS Next 3Y28.3%
5. Dividend
5.1 Amount
MOL has a yearly dividend return of 0.31%, which is pretty low.
Compared to an average industry Dividend Yield of 2.75, MOL has a dividend in line with its industry peers.
With a Dividend Yield of 0.31, MOL pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.31% |
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 (12/9/2025, 5:29:40 PM)
37.2
+0.4 (+1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.97%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.49B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (58.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.31% |
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)2.9%
PT rev (3m)3.96%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)12.79%
EPS NY rev (3m)5.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)1.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.5 | ||
| Fwd PE | 13.76 | ||
| P/S | 1.87 | ||
| P/FCF | 13.53 | ||
| P/OCF | 12.15 | ||
| P/B | 4.07 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.67 |
EPS(TTM)1.73
EY4.65%
EPS(NY)2.7
Fwd EY7.27%
FCF(TTM)2.75
FCFY7.39%
OCF(TTM)3.06
OCFY8.23%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.41
PEG (5Y)12.61
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 | 2.44 |
F-Score5
WACC7.21%
ROIC/WACC1.37
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.
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 21.5 and the Price/Book (PB) ratio is 4.07.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 5 / 10.