MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:MOL - IT0004195308 - Common Stock
36.225 EUR
-0.42 (-1.16%)
MOL gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. While MOL belongs to the best of the industry regarding profitability, 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! With these ratings, MOL could be worth investigating further 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.
- 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
- MOL has a Return On Assets of 5.06%. This is amongst the best in the industry. MOL outperforms 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.
- Looking at the Return On Invested Capital, with a value of 9.87%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.52%.
- 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.
- MOL's Operating Margin has declined in the last couple of years.
- MOL's Gross Margin of 103.20% is amongst the best of the industry. MOL outperforms 90.00% 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
- 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
- Compared to 5 years ago, MOL has less shares outstanding
- MOL has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.44 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 (2.44) 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.
- MOL has a better Debt to FCF ratio (4.73) 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'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 | 2.44 |
ROIC/WACC1.21
WACC8.14%
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 80.00% 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.
- With a decent Quick ratio value of 1.28, MOL is doing good in 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.
- 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
- Based on estimates for the next years, MOL will show a very strong growth in Earnings Per Share. The EPS will grow by 25.48% 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 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
- Based on the Price/Earnings ratio of 20.94, the valuation of MOL can be described as rather expensive.
- Based on the Price/Earnings ratio, MOL is valued a bit cheaper than 70.00% of the companies in the same industry.
- MOL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.94.
- The Price/Forward Earnings ratio is 14.43, which indicates a correct valuation of MOL.
- MOL's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, MOL is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.94 | ||
| Fwd PE | 14.43 |
4.2 Price Multiples
- MOL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MOL is 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 | 13.18 | ||
| EV/EBITDA | 9.63 |
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)12.28
EPS Next 2Y31.82%
EPS Next 3Y25.48%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.32%, MOL is not a good candidate for dividend investing.
- MOL's Dividend Yield is comparable with the industry average which is at 1.51.
- Compared to an average S&P500 Dividend Yield of 1.83, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.32% |
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 2Y31.82%
EPS Next 3Y25.48%
BIT:MOL (1/21/2026, 12:25:21 PM)
36.225
-0.42 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13 2025-11-13
Earnings (Next)03-12 2026-03-12/amc
Inst Owners19.49%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.45B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target58.85 (62.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.32% |
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)2.9%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-9.05%
EPS NY rev (3m)-5.92%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.94 | ||
| Fwd PE | 14.43 | ||
| P/S | 1.82 | ||
| P/FCF | 13.18 | ||
| P/OCF | 11.83 | ||
| P/B | 3.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.63 |
EPS(TTM)1.73
EY4.78%
EPS(NY)2.51
Fwd EY6.93%
FCF(TTM)2.75
FCFY7.59%
OCF(TTM)3.06
OCFY8.45%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.54
PEG (5Y)12.28
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 | 2.44 |
F-Score5
WACC8.14%
ROIC/WACC1.21
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 Y38.81%
EPS Next 2Y31.82%
EPS Next 3Y25.48%
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.
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.