MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
BIT:MOL - Euronext Milan - IT0004195308 - Common Stock - Currency: EUR
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 7 industry peers in the Consumer Finance industry. While MOL has a great profitability rating, there are some minor concerns on its financial health. MOL is growing strongly while it is still valued neutral. This is a good combination! This makes MOL very considerable 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.
Each year in the past 5 years MOL has been profitable.
Each year in the past 5 years MOL had a positive operating cash flow.
1.2 Ratios
MOL has a Return On Assets of 6.57%. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 21.16%, MOL belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
MOL has a Return On Invested Capital of 12.20%. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.95%.
The 3 year average ROIC (7.14%) for MOL is below the current ROIC(12.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.57% | ||
| ROE | 21.16% | ||
| ROIC | 12.2% |
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 has a better Profit Margin (9.05%) than 71.43% of its industry peers.
In the last couple of years the Profit Margin of MOL has declined.
Looking at the Operating Margin, with a value of 15.42%, MOL is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
MOL's Operating Margin has declined in the last couple of years.
MOL has a Gross Margin of 103.23%. This is amongst the best in the industry. MOL outperforms 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 | 15.42% | ||
| PM (TTM) | 9.05% | ||
| GM | 103.23% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MOL is still creating some value.
The number of shares outstanding for MOL has been increased compared to 1 year ago.
The number of shares outstanding for MOL has been reduced compared to 5 years ago.
The debt/assets ratio for MOL has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.14 indicates that MOL is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.14, 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 3.48, which is a good value as it means it would take MOL, 3.48 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.48, MOL is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
A Debt/Equity ratio of 0.83 indicates that MOL is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.83, MOL is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.48 | ||
| Altman-Z | 3.14 |
ROIC/WACC1.66
WACC7.36%
2.3 Liquidity
MOL has a Current Ratio of 0.94. This is a bad value and indicates that MOL is not financially healthy enough and could expect problems in meeting its short term obligations.
MOL has a Current ratio of 0.94. This is comparable to the rest of the industry: MOL outperforms 57.14% of its industry peers.
MOL has a Quick Ratio of 0.94. This is a bad value and indicates that MOL is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.94, MOL perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
MOL does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 |
3. Growth
3.1 Past
MOL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.25%, which is quite good.
Measured over the past 5 years, MOL shows a small growth in Earnings Per Share. The EPS has been growing by 1.71% on average per year.
MOL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.44%.
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)10.25%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.47%
Revenue 1Y (TTM)14.44%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%24.27%
3.2 Future
MOL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.11% yearly.
The Revenue is expected to grow by 18.84% on average over the next years. This is quite good.
EPS Next Y18.18%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
EPS Next 5YN/A
Revenue Next Year42.12%
Revenue Next 2Y26.55%
Revenue Next 3Y18.84%
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 25.98, the valuation of MOL can be described as expensive.
MOL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.30, MOL is valued at the same level.
Based on the Price/Forward Earnings ratio of 20.58, the valuation of MOL can be described as rather expensive.
71.43% of the companies in the same industry are cheaper than MOL, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.76. MOL is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.98 | ||
| Fwd PE | 20.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MOL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.97 | ||
| EV/EBITDA | 12.73 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
MOL has an outstanding profitability rating, which may justify a higher PE ratio.
MOL's earnings are expected to grow with 19.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.43
PEG (5Y)15.23
EPS Next 2Y21.18%
EPS Next 3Y19.11%
5. Dividend
5.1 Amount
With a yearly dividend of 0.27%, MOL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.22, MOL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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 7.27% of its income as dividend. This is a sustainable payout ratio.
DP7.27%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
BIT:MOL (7/11/2025, 7:00:00 PM)
43.65
-0.52 (-1.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.81%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.75B
Analysts82.5
Price Target56.61 (29.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
Yearly Dividend0.12
Dividend Growth(5Y)-16.71%
DP7.27%
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)10.12%
PT rev (3m)14.61%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)30.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.98 | ||
| Fwd PE | 20.58 | ||
| P/S | 2.56 | ||
| P/FCF | 17.97 | ||
| P/OCF | 17.21 | ||
| P/B | 5.98 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.73 |
EPS(TTM)1.68
EY3.85%
EPS(NY)2.12
Fwd EY4.86%
FCF(TTM)2.43
FCFY5.57%
OCF(TTM)2.54
OCFY5.81%
SpS17.05
BVpS7.29
TBVpS-4.73
PEG (NY)1.43
PEG (5Y)15.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.57% | ||
| ROE | 21.16% | ||
| ROCE | 16.89% | ||
| ROIC | 12.2% | ||
| ROICexc | 15.66% | ||
| ROICexgc | 1851.78% | ||
| OM | 15.42% | ||
| PM (TTM) | 9.05% | ||
| GM | 103.23% | ||
| FCFM | 14.25% |
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%
ROICexcg growth 3Y217.43%
ROICexcg 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-Score8
Asset Turnover0.73
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.48 | ||
| Debt/EBITDA | 1.58 | ||
| Cap/Depr | 8.71% | ||
| Cap/Sales | 0.63% | ||
| Interest Coverage | 7.03 | ||
| Cash Conversion | 65.67% | ||
| Profit Quality | 157.39% | ||
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 | ||
| Altman-Z | 3.14 |
F-Score8
WACC7.36%
ROIC/WACC1.66
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)10.25%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.47%
EPS Next Y18.18%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
EPS Next 5YN/A
Revenue 1Y (TTM)14.44%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%24.27%
Revenue Next Year42.12%
Revenue Next 2Y26.55%
Revenue Next 3Y18.84%
Revenue Next 5YN/A
EBIT growth 1Y8.83%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year138.21%
EBIT Next 3Y43.63%
EBIT Next 5YN/A
FCF growth 1Y9.84%
FCF growth 3YN/A
FCF growth 5Y20.18%
OCF growth 1Y8.53%
OCF growth 3Y317.74%
OCF growth 5Y19.53%