MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
40.55 EUR
-0.7 (-1.7%)
Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL against 10 industry peers in the Consumer Finance industry. MOL scores excellent on profitability, 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.
In the past year MOL had a positive cash flow from operations.
Each year in the past 5 years MOL has been profitable.
MOL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MOL (5.06%) is better than 100.00% of its industry peers.
With a decent Return On Equity value of 17.50%, MOL is doing good in the industry, outperforming 80.00% 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.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.43%.
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
MOL has a Profit Margin of 8.05%. This is in the lower half of the industry: MOL underperforms 60.00% 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 16.23%, MOL is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
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 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
MOL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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
MOL has an Altman-Z score of 2.56. 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.
Looking at the Altman-Z score, with a value of 2.56, MOL belongs to the top 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 has a Debt to FCF ratio of 4.73. This is in the better half of the industry: MOL outperforms 80.00% 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's Debt to Equity ratio of 1.30 is fine compared to the rest of the industry. MOL outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.56 |
ROIC/WACC1.29
WACC7.66%
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.
The Current ratio of MOL (1.28) is better than 80.00% 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 is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
| 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.
MOL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.71% yearly.
The Revenue has grown by 24.76% in the past year. This is a very strong growth!
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 24.54% 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 20.95% on average per year.
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.
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 23.44, the valuation of MOL can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as MOL.
MOL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.07, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 16.54 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.
MOL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.08.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.44 | ||
| Fwd PE | 16.54 |
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.
MOL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.75 | ||
| EV/EBITDA | 10.64 |
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.
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)13.74
EPS Next 2Y30.29%
EPS Next 3Y24.54%
5. Dividend
5.1 Amount
With a yearly dividend of 0.29%, MOL is not a good candidate for dividend investing.
MOL's Dividend Yield is comparable with the industry average which is at 2.85.
Compared to an average S&P500 Dividend Yield of 2.44, 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
7.02% of the earnings are spent on dividend by MOL. This is a low number and sustainable payout ratio.
DP7.02%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
BIT:MOL (11/21/2025, 5:29:56 PM)
40.55
-0.7 (-1.7%)
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 Cap1.62B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target57.2 (41.06%)
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)0%
PT rev (3m)1.04%
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 | 23.44 | ||
| Fwd PE | 16.54 | ||
| P/S | 2.04 | ||
| P/FCF | 14.75 | ||
| P/OCF | 13.24 | ||
| P/B | 4.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.64 |
EPS(TTM)1.73
EY4.27%
EPS(NY)2.45
Fwd EY6.05%
FCF(TTM)2.75
FCFY6.78%
OCF(TTM)3.06
OCFY7.55%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.66
PEG (5Y)13.74
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 | 2.56 |
F-Score5
WACC7.66%
ROIC/WACC1.29
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 23.44 and the Price/Book (PB) ratio is 4.43.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.