MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
35 EUR
+0.15 (+0.43%)
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 9 industry peers in the Consumer Finance industry. MOL scores excellent on profitability, 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 would make MOL suitable for growth investing!
1. Profitability
1.1 Basic Checks
MOL had positive earnings in the past year.
In the past year MOL had a positive cash flow from operations.
MOL had positive earnings in each of the past 5 years.
In the past 5 years MOL always reported a positive cash flow from operatings.
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.
With a decent Return On Equity value of 17.50%, MOL is doing good in 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.
MOL had an Average Return On Invested Capital over the past 3 years of 7.14%. This is above the industry average of 4.51%.
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
With a Profit Margin value of 8.05%, MOL is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
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 77.78% of its industry peers.
MOL's Operating Margin has declined in the last couple of years.
MOL has a Gross Margin of 103.20%. This is amongst the best in the industry. MOL outperforms 88.89% 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
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.
Compared to 5 years ago, MOL has less shares outstanding
Compared to 1 year ago, MOL has an improved debt to assets ratio.
2.2 Solvency
MOL has an Altman-Z score of 2.39. 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 Altman-Z score of 2.39. This is amongst the best in the industry. MOL outperforms 100.00% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 4.73, MOL is in line with its industry, outperforming 55.56% 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.
MOL has a Debt to Equity ratio (1.30) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.39 |
ROIC/WACC1.37
WACC7.2%
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 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.
The Quick ratio of MOL (1.28) is better than 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.
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.
Looking at the last year, MOL shows a very strong growth in Revenue. The Revenue has grown by 24.76%.
The Revenue has been growing by 15.68% on average over the past years. This is quite good.
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 28.30% on average per year.
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.
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
Based on the Price/Earnings ratio of 20.23, the valuation of MOL can be described as rather expensive.
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 (26.59), we can say MOL is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.94, which indicates a correct valuation of MOL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 24.03. MOL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.23 | ||
| Fwd PE | 12.94 |
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.
MOL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.73 | ||
| EV/EBITDA | 9.27 |
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)0.38
PEG (5Y)11.86
EPS Next 2Y36.83%
EPS Next 3Y28.3%
5. Dividend
5.1 Amount
MOL has a yearly dividend return of 0.35%, which is pretty low.
MOL's Dividend Yield is comparable with the industry average which is at 1.73.
With a Dividend Yield of 0.35, MOL pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.35% |
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 2Y36.83%
EPS Next 3Y28.3%
BIT:MOL (12/23/2025, 7:00:00 PM)
35
+0.15 (+0.43%)
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 Cap1.40B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (68.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.35% |
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)1.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.23 | ||
| Fwd PE | 12.94 | ||
| P/S | 1.76 | ||
| P/FCF | 12.73 | ||
| P/OCF | 11.43 | ||
| P/B | 3.83 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.27 |
EPS(TTM)1.73
EY4.94%
EPS(NY)2.7
Fwd EY7.73%
FCF(TTM)2.75
FCFY7.85%
OCF(TTM)3.06
OCFY8.75%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.38
PEG (5Y)11.86
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 | 2.39 |
F-Score5
WACC7.2%
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 20.23 and the Price/Book (PB) ratio is 3.83.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 5 / 10.