MOLTIPLY GROUP SPA (MOL.MI) Stock Fundamental Analysis
Europe - BIT:MOL - IT0004195308 - Common Stock
41.6 EUR
+0.5 (+1.22%)
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 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
MOL had positive earnings in the past year.
MOL had a positive operating cash flow in the past year.
MOL had positive earnings in each of the past 5 years.
MOL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MOL has a better Return On Assets (5.06%) than 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 80.00% of its industry peers.
With an excellent Return On Invested Capital value of 9.87%, MOL belongs to the best 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 4.43%.
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 worse Profit Margin (8.05%) than 60.00% of its industry peers.
In the last couple of years the Profit Margin of MOL has declined.
MOL has a better Operating Margin (16.23%) than 70.00% 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.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MOL is still creating some value.
MOL has more shares outstanding than it did 1 year ago.
MOL has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MOL has been reduced compared to a year ago.
2.2 Solvency
MOL has an Altman-Z score of 2.56. 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.
Looking at the Altman-Z score, with a value of 2.56, MOL belongs to the top 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 has a Debt to FCF ratio of 4.73. This is in the better half of the industry: MOL outperforms 80.00% 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.
With a decent Debt to Equity ratio value of 1.30, MOL is doing good in the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 4.73 | ||
| Altman-Z | 2.56 |
ROIC/WACC1.29
WACC7.67%
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 80.00% 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.
MOL's Quick ratio of 1.28 is fine compared to the rest of the industry. MOL outperforms 80.00% of its industry peers.
| 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.
The Earnings Per Share has been growing slightly by 1.71% on average over the past years.
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 24.54% on average per year.
MOL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.95% yearly.
EPS Next Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
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 24.05, which indicates a rather expensive current valuation of MOL.
The rest of the industry has a similar Price/Earnings ratio as MOL.
MOL is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 16.97, MOL is valued correctly.
MOL's Price/Forward Earnings ratio is in line with the industry average.
MOL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.05 | ||
| Fwd PE | 16.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MOL is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
MOL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.14 | ||
| EV/EBITDA | 10.61 |
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 24.54% in the coming years.
PEG (NY)0.68
PEG (5Y)14.1
EPS Next 2Y30.29%
EPS Next 3Y24.54%
5. Dividend
5.1 Amount
With a yearly dividend of 0.29%, MOL is not a good candidate for dividend investing.
MOL's Dividend Yield is comparable with the industry average which is at 2.85.
With a Dividend Yield of 0.29, MOL pays less dividend than the S&P500 average, which is at 2.44.
| 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
7.02% of the earnings are spent on dividend by MOL. This is a low number and sustainable payout ratio.
DP7.02%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
BIT:MOL (11/20/2025, 3:13:27 PM)
41.6
+0.5 (+1.22%)
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 Cap1.66B
Revenue(TTM)794.83M
Net Income(TTM)64.00M
Analysts87.5
Price Target57.2 (37.5%)
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)1.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.29%
EPS NY rev (3m)14.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.84%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.05 | ||
| Fwd PE | 16.97 | ||
| P/S | 2.09 | ||
| P/FCF | 15.14 | ||
| P/OCF | 13.59 | ||
| P/B | 4.55 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.61 |
EPS(TTM)1.73
EY4.16%
EPS(NY)2.45
Fwd EY5.89%
FCF(TTM)2.75
FCFY6.61%
OCF(TTM)3.06
OCFY7.36%
SpS19.87
BVpS9.14
TBVpS-7.31
PEG (NY)0.68
PEG (5Y)14.1
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 | 2.56 |
F-Score5
WACC7.67%
ROIC/WACC1.29
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 Y35.31%
EPS Next 2Y30.29%
EPS Next 3Y24.54%
EPS Next 5YN/A
Revenue 1Y (TTM)24.76%
Revenue growth 3Y13.39%
Revenue growth 5Y15.68%
Sales Q2Q%39.21%
Revenue Next Year47.74%
Revenue Next 2Y29.7%
Revenue Next 3Y20.95%
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 24.05 and the Price/Book (PB) ratio is 4.55.
How financially healthy is MOLTIPLY GROUP SPA?
The financial health rating of MOLTIPLY GROUP SPA (MOL.MI) is 6 / 10.