MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
40.05 EUR
-0.55 (-1.35%)
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! 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 has a better Return On Assets (5.06%) 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.
MOL's Return On Invested Capital of 9.87% is amongst the best of the industry. MOL outperforms 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 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.
MOL has a Operating Margin of 16.23%. This is in the better half of the industry: MOL outperforms 66.67% of its industry peers.
In the last couple of years the Operating Margin of MOL has declined.
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.
MOL has more shares outstanding than it did 1 year ago.
MOL has less shares outstanding than it did 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 2.54. 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 (2.54) 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.
MOL's Debt to FCF ratio of 4.73 is fine compared to the rest of the industry. MOL outperforms 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
WACC7.15%
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.
A Quick Ratio of 1.28 indicates that MOL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.28, MOL belongs to the top 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
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.
MOL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.71% yearly.
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
The Earnings Per Share is expected to grow by 24.54% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.95% on average over the next years. This is a very strong growth
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 23.15, which indicates a rather expensive current valuation of MOL.
MOL's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of MOL to the average of the S&P500 Index (25.98), we can say MOL is valued inline with the index average.
A Price/Forward Earnings ratio of 16.34 indicates a correct valuation of MOL.
MOL's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.79. MOL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.15 | ||
| Fwd PE | 16.34 |
4.2 Price Multiples
MOL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MOL is cheaper than 88.89% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, MOL is valued a bit more expensive than the industry average as 66.67% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.57 | ||
| EV/EBITDA | 10.5 |
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.
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)0.66
PEG (5Y)13.57
EPS Next 2Y30.29%
EPS Next 3Y24.54%
5. Dividend
5.1 Amount
MOL has a yearly dividend return of 0.29%, which is pretty low.
MOL's Dividend Yield is comparable with the industry average which is at 2.91.
Compared to an average S&P500 Dividend Yield of 2.41, MOL's dividend is way lower than the S&P500 average.
| 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
MOL pays out 7.02% of its income as dividend. This is a sustainable payout ratio.
DP7.02%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
BIT:MOL (11/26/2025, 5:28:29 PM)
40.05
-0.55 (-1.35%)
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 Cap1.60B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.47 (45.99%)
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 | 23.15 | ||
| Fwd PE | 16.34 | ||
| P/S | 2.02 | ||
| P/FCF | 14.57 | ||
| P/OCF | 13.08 | ||
| P/B | 4.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.5 |
EPS(TTM)1.73
EY4.32%
EPS(NY)2.45
Fwd EY6.12%
FCF(TTM)2.75
FCFY6.86%
OCF(TTM)3.06
OCFY7.64%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.66
PEG (5Y)13.57
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
WACC7.15%
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 23.15 and the Price/Book (PB) ratio is 4.38.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.