MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
36.3 EUR
-0.4 (-1.09%)
Taking everything into account, MOL scores 6 out of 10 in our fundamental rating. MOL was compared to 8 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 not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, MOL could be worth investigating further 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.
- In the past 5 years MOL has always 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.
- MOL's Return On Equity of 17.50% is fine compared to the rest of the industry. MOL outperforms 70.00% of its industry peers.
- MOL has a Return On Invested Capital of 9.87%. 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 4.67%.
- 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 60.00% 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 70.00% of its industry peers.
- MOL's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 103.20%, MOL belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- 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.
- The number of shares outstanding for MOL has been increased compared to 1 year ago.
- Compared to 5 years ago, MOL has less shares outstanding
- The debt/assets ratio for MOL has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.43 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- MOL has a better Altman-Z score (2.43) than 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.
- The Debt to FCF ratio of MOL (4.73) is better than 70.00% 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 of 1.30. This is in the better half 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 | 2.43 |
ROIC/WACC1.21
WACC8.15%
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.
- With a decent Current ratio value of 1.28, MOL is doing good in the industry, outperforming 80.00% of the companies in the same industry.
- 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.
- 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
- 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.
- 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 a strong growth in Revenue. In the last year, 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
- The Earnings Per Share is expected to grow by 25.48% on average over the next years. This is a very strong growth
- Based on estimates for the next years, MOL will show a very strong growth in Revenue. The Revenue will grow by 20.91% on average per year.
EPS Next Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
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
- MOL is valuated rather expensively with a Price/Earnings ratio of 20.98.
- Compared to the rest of the industry, the Price/Earnings ratio of MOL indicates a somewhat cheap valuation: MOL is cheaper than 70.00% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, MOL is valued a bit cheaper.
- A Price/Forward Earnings ratio of 14.46 indicates a correct valuation of MOL.
- MOL's Price/Forward Earnings is on the same level as the industry average.
- MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.98.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.98 | ||
| Fwd PE | 14.46 |
4.2 Price Multiples
- 90.00% of the companies in the same industry are more expensive than MOL, based on the Enterprise Value to EBITDA ratio.
- 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 | 13.21 | ||
| EV/EBITDA | 9.56 |
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.
- A more expensive valuation may be justified as MOL's earnings are expected to grow with 25.48% in the coming years.
PEG (NY)0.54
PEG (5Y)12.3
EPS Next 2Y31.82%
EPS Next 3Y25.48%
5. Dividend
5.1 Amount
- MOL has a yearly dividend return of 0.33%, which is pretty low.
- MOL's Dividend Yield is comparable with the industry average which is at 1.75.
- With a Dividend Yield of 0.33, MOL pays less dividend than the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.33% |
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 2Y31.82%
EPS Next 3Y25.48%
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.
What is the valuation status for MOL stock?
ChartMill assigns a valuation rating of 6 / 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 is the financial health of MOLTIPLY GROUP SPA (MOL.MI) stock?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.
What is the expected EPS growth for MOLTIPLY GROUP SPA (MOL.MI) stock?
The Earnings per Share (EPS) of MOLTIPLY GROUP SPA (MOL.MI) is expected to grow by 38.81% in the next year.