MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
45.325 EUR
-0.02 (-0.06%)
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 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 growing strongly while it is still valued neutral. This is a good combination! This makes MOL very considerable 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.
In the past 5 years MOL always reported a positive cash flow from operatings.
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 75.00% 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.
MOL had an Average Return On Invested Capital over the past 3 years of 7.14%. This is above the industry average of 4.35%.
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 62.50% of its industry peers.
In the last couple of years the Profit Margin of MOL has declined.
MOL has a Operating Margin of 16.23%. This is in the better half of the industry: MOL outperforms 62.50% of its industry peers.
MOL's Operating Margin has declined in the last couple of years.
MOL has a better Gross Margin (103.20%) than 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MOL is still 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
MOL has a better debt/assets ratio than last year.
2.2 Solvency
MOL has an Altman-Z score of 2.67. 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.
With an excellent Altman-Z score value of 2.67, MOL belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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.
MOL's Debt to FCF ratio of 4.73 is amongst the best of the industry. MOL outperforms 87.50% of its industry peers.
MOL has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 1.30, MOL is doing good in the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.67 |
ROIC/WACC1.35
WACC7.33%
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.
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 75.00% 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.
Looking at the last year, MOL shows a very strong growth in Revenue. 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
MOL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.73% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 26.20 indicates a quite expensive valuation of MOL.
Compared to the rest of the industry, the Price/Earnings ratio of MOL is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.08, MOL is valued at the same level.
MOL is valuated rather expensively with a Price/Forward Earnings ratio of 17.81.
MOL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MOL is cheaper than 62.50% of the companies in the same industry.
MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.2 | ||
| Fwd PE | 17.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, MOL is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.49 | ||
| EV/EBITDA | 11.54 |
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 25.73% in the coming years.
PEG (NY)0.55
PEG (5Y)15.36
EPS Next 2Y32.75%
EPS Next 3Y25.73%
5. Dividend
5.1 Amount
With a yearly dividend of 0.27%, MOL is not a good candidate for dividend investing.
MOL's Dividend Yield is comparable with the industry average which is at 2.88.
Compared to an average S&P500 Dividend Yield of 2.30, MOL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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 2Y32.75%
EPS Next 3Y25.73%
BIT:MOL (10/28/2025, 5:28:50 PM)
45.325
-0.02 (-0.06%)
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 Cap1.81B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts82.5
Price Target57.2 (26.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.27% |
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)0%
EPS NY rev (3m)24.85%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.83%
Revenue NY rev (3m)3.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.2 | ||
| Fwd PE | 17.81 | ||
| P/S | 2.28 | ||
| P/FCF | 16.49 | ||
| P/OCF | 14.8 | ||
| P/B | 4.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.54 |
EPS(TTM)1.73
EY3.82%
EPS(NY)2.55
Fwd EY5.62%
FCF(TTM)2.75
FCFY6.06%
OCF(TTM)3.06
OCFY6.75%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.55
PEG (5Y)15.36
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 | 2.67 |
F-Score5
WACC7.33%
ROIC/WACC1.35
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%
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 26.2 and the Price/Book (PB) ratio is 4.96.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.