MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
BIT:MOL - Euronext Milan - IT0004195308 - Common Stock - Currency: EUR
Overall MOL gets a fundamental rating of 6 out of 10. We evaluated MOL against 8 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 valued quite expensive, but it does show an excellent growth. 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.
MOL had a positive operating cash flow in the past year.
Each year in the past 5 years MOL has been profitable.
Each year in the past 5 years MOL had a positive operating cash flow.
1.2 Ratios
The Return On Assets of MOL (6.57%) is better than 100.00% of its industry peers.
MOL has a better Return On Equity (21.16%) than 75.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 12.20%, MOL belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MOL is above the industry average of 4.72%.
The 3 year average ROIC (7.14%) for MOL is below the current ROIC(12.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.57% | ||
| ROE | 21.16% | ||
| ROIC | 12.2% |
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 better Profit Margin (9.05%) than 62.50% of its industry peers.
In the last couple of years the Profit Margin of MOL has declined.
The Operating Margin of MOL (15.42%) is better than 62.50% of its industry peers.
MOL's Operating Margin has declined in the last couple of years.
The Gross Margin of MOL (103.23%) 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 | 15.42% | ||
| PM (TTM) | 9.05% | ||
| GM | 103.23% |
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
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
An Altman-Z score of 3.32 indicates that MOL is not in any danger for bankruptcy at the moment.
The Altman-Z score of MOL (3.32) is better than 100.00% of its industry peers.
MOL has a debt to FCF ratio of 3.48. This is a good value and a sign of high solvency as MOL would need 3.48 years to pay back of all of its debts.
MOL's Debt to FCF ratio of 3.48 is fine compared to the rest of the industry. MOL outperforms 75.00% of its industry peers.
A Debt/Equity ratio of 0.83 indicates that MOL is somewhat dependend on debt financing.
MOL has a better Debt to Equity ratio (0.83) than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.48 | ||
| Altman-Z | 3.32 |
ROIC/WACC1.59
WACC7.66%
2.3 Liquidity
A Current Ratio of 0.94 indicates that MOL may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.94, MOL is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
A Quick Ratio of 0.94 indicates that MOL may have some problems paying its short term obligations.
MOL has a better Quick ratio (0.94) than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 |
3. Growth
3.1 Past
MOL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.25%, which is quite good.
The Earnings Per Share has been growing slightly by 1.71% on average over the past years.
MOL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.44%.
MOL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.68% yearly.
EPS 1Y (TTM)10.25%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.47%
Revenue 1Y (TTM)14.44%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%24.27%
3.2 Future
Based on estimates for the next years, MOL will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.11% on average per year.
The Revenue is expected to grow by 18.84% on average over the next years. This is quite good.
EPS Next Y18.18%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
EPS Next 5YN/A
Revenue Next Year42.12%
Revenue Next 2Y26.55%
Revenue Next 3Y18.84%
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
The Price/Earnings ratio is 29.20, which means the current valuation is very expensive for MOL.
Based on the Price/Earnings ratio, MOL is valued a bit more expensive than 62.50% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.30, MOL is valued at the same level.
Based on the Price/Forward Earnings ratio of 23.13, the valuation of MOL can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MOL indicates a slightly more expensive valuation: MOL is more expensive than 75.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.06, MOL is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.2 | ||
| Fwd PE | 23.13 |
4.2 Price Multiples
87.50% of the companies in the same industry are more expensive than MOL, based on the Enterprise Value to EBITDA ratio.
62.50% of the companies in the same industry are cheaper than MOL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.19 | ||
| EV/EBITDA | 14 |
4.3 Compensation for Growth
MOL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 19.11% in the coming years.
PEG (NY)1.61
PEG (5Y)17.12
EPS Next 2Y21.18%
EPS Next 3Y19.11%
5. Dividend
5.1 Amount
With a yearly dividend of 0.25%, MOL is not a good candidate for dividend investing.
MOL's Dividend Yield is slightly below the industry average, which is at 3.22.
Compared to an average S&P500 Dividend Yield of 2.38, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.25% |
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 7.27% of its income as dividend. This is a sustainable payout ratio.
DP7.27%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
BIT:MOL (6/6/2025, 11:50:24 AM)
49.05
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.74%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.96B
Analysts82.5
Price Target51.41 (4.81%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.25% |
Yearly Dividend0.12
Dividend Growth(5Y)-16.71%
DP7.27%
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)11.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-8.81%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)30.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 29.2 | ||
| Fwd PE | 23.13 | ||
| P/S | 2.88 | ||
| P/FCF | 20.19 | ||
| P/OCF | 19.34 | ||
| P/B | 6.73 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14 |
EPS(TTM)1.68
EY3.43%
EPS(NY)2.12
Fwd EY4.32%
FCF(TTM)2.43
FCFY4.95%
OCF(TTM)2.54
OCFY5.17%
SpS17.05
BVpS7.29
TBVpS-4.73
PEG (NY)1.61
PEG (5Y)17.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.57% | ||
| ROE | 21.16% | ||
| ROCE | 16.89% | ||
| ROIC | 12.2% | ||
| ROICexc | 15.66% | ||
| ROICexgc | 1851.78% | ||
| OM | 15.42% | ||
| PM (TTM) | 9.05% | ||
| GM | 103.23% | ||
| FCFM | 14.25% |
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-Score8
Asset Turnover0.73
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 3.48 | ||
| Debt/EBITDA | 1.58 | ||
| Cap/Depr | 8.71% | ||
| Cap/Sales | 0.63% | ||
| Interest Coverage | 7.03 | ||
| Cash Conversion | 65.67% | ||
| Profit Quality | 157.39% | ||
| Current Ratio | 0.94 | ||
| Quick Ratio | 0.94 | ||
| Altman-Z | 3.32 |
F-Score8
WACC7.66%
ROIC/WACC1.59
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)10.25%
EPS 3Y38.26%
EPS 5Y1.71%
EPS Q2Q%9.47%
EPS Next Y18.18%
EPS Next 2Y21.18%
EPS Next 3Y19.11%
EPS Next 5YN/A
Revenue 1Y (TTM)14.44%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%24.27%
Revenue Next Year42.12%
Revenue Next 2Y26.55%
Revenue Next 3Y18.84%
Revenue Next 5YN/A
EBIT growth 1Y8.83%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year138.21%
EBIT Next 3Y43.63%
EBIT Next 5YN/A
FCF growth 1Y9.84%
FCF growth 3YN/A
FCF growth 5Y20.18%
OCF growth 1Y8.53%
OCF growth 3Y317.74%
OCF growth 5Y19.53%