MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
41.8 EUR
+0.27 (+0.66%)
Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL against 8 industry peers in the Consumer Finance industry. MOL scores excellent on profitability, but there are some minor concerns on its financial health. MOL is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! These ratings could make MOL a good candidate 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.
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
Looking at the Return On Assets, with a value of 5.06%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
With an excellent Return On Equity value of 17.50%, MOL belongs to the best of the industry, outperforming 87.50% 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.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.44%.
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 (8.05%) which is in line with its industry peers.
MOL's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 16.23%, MOL is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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.
MOL's Gross Margin has been stable in the last couple of years.
| 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.
Compared to 1 year ago, MOL has more shares outstanding
The number of shares outstanding for MOL has been reduced compared to 5 years ago.
MOL has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.57 indicates that MOL is not a great score, but indicates only limited risk for bankruptcy at the moment.
MOL's Altman-Z score of 2.57 is amongst the best of the industry. MOL outperforms 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.
With a decent Debt to FCF ratio value of 4.73, MOL is doing good in the industry, outperforming 75.00% 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 of 1.30. This is in the better half of the industry: MOL outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.57 |
ROIC/WACC1.36
WACC7.25%
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 in the better half of the industry: MOL outperforms 75.00% of its industry peers.
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.
MOL has a better Quick ratio (1.28) than 75.00% of its industry peers.
| 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.
Looking at the last year, MOL shows a very strong growth in Revenue. The Revenue has grown by 24.76%.
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)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 25.73% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 20.38% on average over the next years. This is a very strong growth
EPS Next Y47.55%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue Next Year46.51%
Revenue Next 2Y28.87%
Revenue Next 3Y20.38%
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
A Price/Earnings ratio of 24.16 indicates a rather expensive valuation of MOL.
MOL's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.86, MOL is valued at the same level.
Based on the Price/Forward Earnings ratio of 16.42, the valuation of MOL can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as MOL.
MOL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.16 | ||
| Fwd PE | 16.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaper than 87.50% of the companies in the same industry.
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 | 15.21 | ||
| EV/EBITDA | 10.76 |
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.
A more expensive valuation may be justified as MOL's earnings are expected to grow with 25.73% in the coming years.
PEG (NY)0.51
PEG (5Y)14.17
EPS Next 2Y32.75%
EPS Next 3Y25.73%
5. Dividend
5.1 Amount
With a yearly dividend of 0.29%, MOL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.86, MOL has a dividend in line with its industry peers.
With a Dividend Yield of 0.29, MOL pays less dividend than the S&P500 average, which is at 2.41.
| 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 2Y32.75%
EPS Next 3Y25.73%
BIT:MOL (10/3/2025, 7:00:00 PM)
41.8
+0.27 (+0.66%)
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 Cap1.67B
Analysts82.5
Price Target57.2 (36.84%)
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)1.04%
PT rev (3m)1.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)1.56%
EPS NY rev (3m)24.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.87%
Revenue NY rev (3m)3.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.16 | ||
| Fwd PE | 16.42 | ||
| P/S | 2.1 | ||
| P/FCF | 15.21 | ||
| P/OCF | 13.65 | ||
| P/B | 4.57 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.76 |
EPS(TTM)1.73
EY4.14%
EPS(NY)2.55
Fwd EY6.09%
FCF(TTM)2.75
FCFY6.58%
OCF(TTM)3.06
OCFY7.32%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.51
PEG (5Y)14.17
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%
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-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 | 2.57 |
F-Score5
WACC7.25%
ROIC/WACC1.36
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 Y47.55%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year46.51%
Revenue Next 2Y28.87%
Revenue Next 3Y20.38%
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%