MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
43.65 EUR
+1.95 (+4.68%)
We assign a fundamental rating of 6 out of 10 to MOL. MOL was compared to 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 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
In the past year MOL was profitable.
MOL had a positive operating cash flow in the past year.
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.
Looking at the Return On Equity, with a value of 17.50%, MOL is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
MOL has a better Return On Invested Capital (9.87%) than 100.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MOL is above the industry average of 4.69%.
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 has a Profit Margin of 8.05%. This is comparable to the rest of the industry: MOL outperforms 50.00% of its industry peers.
MOL's Profit Margin has declined in the last couple of years.
MOL's Operating Margin of 16.23% is fine compared to the rest of the industry. MOL outperforms 62.50% of its industry peers.
In the last couple of years the Operating Margin of MOL has declined.
MOL's Gross Margin of 103.20% is amongst the best of the industry. MOL outperforms 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.
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
MOL has an Altman-Z score of 2.62. 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.
MOL's Altman-Z score of 2.62 is amongst the best of the industry. MOL outperforms 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 Debt to FCF ratio of 4.73. This is in the better half of the industry: MOL outperforms 75.00% 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.
Looking at the Debt to Equity ratio, with a value of 1.30, MOL is in the better half of 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 | 2.62 |
ROIC/WACC1.36
WACC7.25%
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.
Looking at the Current 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.
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 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
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%.
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.
MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.15% yearly.
EPS Next Y45.28%
EPS Next 2Y32.75%
EPS Next 3Y25.73%
EPS Next 5YN/A
Revenue Next Year45.3%
Revenue Next 2Y28.36%
Revenue Next 3Y20.15%
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
The Price/Earnings ratio is 25.23, which means the current valuation is very expensive for MOL.
62.50% of the companies in the same industry are cheaper than MOL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.30. MOL is around the same levels.
The Price/Forward Earnings ratio is 17.15, which indicates a rather expensive current valuation of MOL.
MOL's Price/Forward Earnings ratio is in line with the industry average.
MOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.23 | ||
| Fwd PE | 17.15 |
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.
MOL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.88 | ||
| EV/EBITDA | 11.16 |
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)0.56
PEG (5Y)14.79
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 3.50, MOL is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, MOL's dividend is way lower than the S&P500 average.
| 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 (9/12/2025, 7:00:00 PM)
43.65
+1.95 (+4.68%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners17.81%
Inst Owner ChangeN/A
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap1.75B
Analysts82.5
Price Target56.61 (29.69%)
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)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)22.93%
EPS NY rev (3m)22.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)2.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.23 | ||
| Fwd PE | 17.15 | ||
| P/S | 2.2 | ||
| P/FCF | 15.88 | ||
| P/OCF | 14.26 | ||
| P/B | 4.77 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.16 |
EPS(TTM)1.73
EY3.96%
EPS(NY)2.55
Fwd EY5.83%
FCF(TTM)2.75
FCFY6.3%
OCF(TTM)3.06
OCFY7.01%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.56
PEG (5Y)14.79
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 | 2.62 |
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 Y45.28%
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 Year45.3%
Revenue Next 2Y28.36%
Revenue Next 3Y20.15%
Revenue Next 5YN/A
EBIT growth 1Y40.65%
EBIT growth 3Y0.77%
EBIT growth 5Y7.66%
EBIT Next Year138.21%
EBIT Next 3Y43.63%
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%