View ValuationMoltiply Group 향후 성장Future 기준 점검 4/6Moltiply Group (는) 각각 연간 28.8% 및 4.3% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 13% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 23.5% 로 예상됩니다.핵심 정보28.8%이익 성장률13.02%EPS 성장률Consumer Finance 이익 성장16.4%매출 성장률4.3%향후 자기자본이익률23.55%애널리스트 커버리지Low마지막 업데이트02 Jun 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updatesUpcoming Dividend • Jun 29Upcoming dividend of €0.15 per shareEligible shareholders must have bought the stock before 06 July 2026. Payment date: 08 July 2026. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.0%).Reported Earnings • May 20First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: €187.9m (up 38% from 1Q 2025). Net income: €22.7m (up 92% from 1Q 2025). Profit margin: 12% (up from 8.7% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe.Board Change • May 20Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 5 highly experienced directors. Independent Director Guido Crespi was the last director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.공고 • Mar 23Moltiply Group S.p.A., Annual General Meeting, Apr 29, 2026Moltiply Group S.p.A., Annual General Meeting, Apr 29, 2026, at 08:30 W. Europe Standard Time. Location: via desenzano 2 20146, milano Italy공고 • Mar 19Moltiply Group S.p.A. announces Annual dividend, payable on July 08, 2026Moltiply Group S.p.A. announced Annual dividend of EUR 0.1500 per share payable on July 08, 2026, ex-date on July 06, 2026 and record date on July 07, 2026.공고 • Feb 20Harley & Dikkinson Consulting S.R.L. acquired Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL).Harley & Dikkinson Consulting S.R.L. acquired Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL) on February 19, 2026. Harley & Dikkinson Consulting S.R.L. completed the acquisition of Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL) on February 19, 2026.공고 • Jan 28+ 3 more updatesMoltiply Group S.p.A. to Report Q1, 2026 Results on May 14, 2026Moltiply Group S.p.A. announced that they will report Q1, 2026 results at 5:25 PM, Central European Standard Time on May 14, 2026공고 • Mar 22Moltiply Group S.p.A. (BIT:MOL) signed a binding agreement to acquire Verivox GmbH from ProSiebenSat.1 Media SE (XTRA:PSM). for approximately 360 million.Moltiply Group S.p.A. (BIT:MOL) signed a binding agreement to acquire Verivox GmbH from ProSiebenSat.1 Media SE (XTRA:PSM) for approximately 360 million on March 21, 2025. The total agreed price for the Transaction is €231.5 million in terms of equity value, based on a net financial position as of 30 June 2024 of €6.5 million in net cash. Upon execution of the agreement (“Closing”), which is expected to occur later today, NewCo will assume debts towards Verivox - generated by a cash pool relationship - for €53.9 million, and will acquire a shareholders' loan towards Verivox of €13.7 million. The agreed price for the Transaction and the countervalue of these last two assignments will be set-off at Closing. The net amount will be paid with the proceeds from the financing agreement referred to in Moltiply's press release of March 20, 2025 and already available cash. The agreements for the Transaction also include an earn-out of up to €60 million determined on the basis of Verivox's economic performance in 2025. In the Transaction, Moltiply was assisted by BE Partner as financial advisor, Gleiss Lutz as legal and tax advisor, and EY for accounting aspects.공고 • Mar 18Moltiply Group S.p.A. announces Annual dividend, payable on July 09, 2025Moltiply Group S.p.A. announced Annual dividend of EUR 0.1200 per share payable on July 09, 2025, ex-date on July 07, 2025 and record date on July 08, 2025.공고 • Feb 14+ 3 more updatesMoltiply Group S.p.A. to Report Q3, 2025 Results on Nov 13, 2025Moltiply Group S.p.A. announced that they will report Q3, 2025 results on Nov 13, 2025Reported Earnings • Nov 17Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: €112.8m (up 16% from 3Q 2023). Net income: €9.25m (down 18% from 3Q 2023). Profit margin: 8.2% (down from 12% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.4% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe.Recent Insider Transactions • Oct 04CEO & Executive Director recently sold €325k worth of stockOn the 25th of September, Alessandro Alvaro Fracassi sold around 10k shares on-market at roughly €32.50 per share. This transaction amounted to 3.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Alessandro has been a net seller over the last 12 months, reducing personal holdings by €807k.New Risk • Sep 16New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. This is currently the only risk that has been identified for the company.New Risk • Sep 13New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 18% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.Reported Earnings • Sep 06Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €117.7m (up 10% from 2Q 2023). Net income: €8.92m (down 3.1% from 2Q 2023). Profit margin: 7.6% (down from 8.6% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Jul 04Upcoming dividend of €0.12 per shareEligible shareholders must have bought the stock before 08 July 2024. Payment date: 10 July 2024. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 0.3%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.3%).Reported Earnings • May 17First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: €111.8m (up 16% from 1Q 2023). Net income: €10.8m (up 15% from 1Q 2023). Profit margin: 9.6% (in line with 1Q 2023). Revenue is forecast to grow 4.8% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe.Declared Dividend • Mar 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 8th July 2024 Payment date: 10th July 2024 Dividend yield will be 0.3%, which is lower than the industry average of 2.2%. Payout Ratios Payout ratio: 13%. Cash payout ratio: 5%.Valuation Update With 7 Day Price Move • Mar 21Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €37.45, the stock trades at a forward P/E ratio of 27x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 13% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €18.47 per share.New Risk • Mar 15New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 8.1% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks High level of debt (91% net debt to equity). Profit margins are more than 30% lower than last year (8.1% net profit margin).Reported Earnings • Mar 15Full year 2023 earnings released: EPS: €0.93 (vs €1.24 in FY 2022)Full year 2023 results: EPS: €0.93 (down from €1.24 in FY 2022). Revenue: €426.6m (up 34% from FY 2022). Net income: €34.7m (down 26% from FY 2022). Profit margin: 8.1% (down from 15% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 16% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 52% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.공고 • Jan 06+ 4 more updatesGruppo MutuiOnline S.p.A to Report First Half, 2024 Results on Sep 05, 2024Gruppo MutuiOnline S.p.A announced that they will report first half, 2024 results on Sep 05, 2024Recent Insider Transactions • Dec 07CEO & Executive Director recently sold €339k worth of stockOn the 1st of December, Alessandro Alvaro Fracassi sold around 12k shares on-market at roughly €28.30 per share. This transaction amounted to 4.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Alessandro has been a net seller over the last 12 months, reducing personal holdings by €359k.Reported Earnings • Sep 11Second quarter 2023 earnings released: EPS: €0.25 (vs €0.42 in 2Q 2022)Second quarter 2023 results: EPS: €0.25 (down from €0.42 in 2Q 2022). Revenue: €106.8m (up 32% from 2Q 2022). Net income: €9.21m (down 42% from 2Q 2022). Profit margin: 8.6% (down from 20% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 33% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • Aug 17Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €25.15, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total returns to shareholders of 18% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €16.94 per share.Upcoming Dividend • Jun 26Upcoming dividend of €0.12 per share at 0.4% yieldEligible shareholders must have bought the stock before 03 July 2023. Payment date: 05 July 2023. Payout ratio is a comfortable 9.7% and this is well supported by cash flows. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (7.2%).Board Change • Jun 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non Executive Director Giulia Frangipane was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • May 16First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: €99.1m (up 25% from 1Q 2022). Net income: €9.41m (down 17% from 1Q 2022). Profit margin: 9.5% (down from 14% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.8% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.공고 • May 06+ 2 more updatesGruppo MutuiOnline S.p.A to Report First Half, 2023 Results on Sep 07, 2023Gruppo MutuiOnline S.p.A announced that they will report first half, 2023 results on Sep 07, 2023Reported Earnings • Mar 18Full year 2022 earnings released: EPS: €1.24 (vs €0.43 in FY 2021)Full year 2022 results: EPS: €1.24 (up from €0.43 in FY 2021). Revenue: €318.3m (flat on FY 2021). Net income: €46.9m (up 187% from FY 2021). Profit margin: 15% (up from 5.1% in FY 2021). Revenue is forecast to grow 16% p.a. on average during the next 2 years, compared to a 8.9% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.공고 • Feb 03Gruppo MutuiOnline S.p.A (BIT:MOL) completed the acquisition of Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited.Gruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 million on August 28, 2022. The acquisition will be financed with available cash and the use of already available credit lines. The Transaction has been approved by the respective boards of directors of the Sellers and of Gruppo MutuiOnline and it is subject to customary regulatory approval. The transaction is expected to close in the first days of 2023. BE Partner S.p.A. acted as financial advisor, Clifford Chance Studio Legale Associato acted as legal advisor and PricewaterhouseCoopers Advisory SpA acted as accountant to Gruppo MutuiOnline. Baker & Mckenzie LLP, London acted as legal advisors to sellers Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited. Roxanne Anderson, Gautam Ganjawala and Vivek Pillai of AZB & Partners acted as legal advisor to Gruppo MutuiOnline S.p.A. Gruppo MutuiOnline S.p.A (BIT:MOL) completed the acquisition of Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited on February 1, 2023.Reported Earnings • Nov 17Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: €70.6m (down 2.4% from 3Q 2021). Net income: €10.6m (up 13% from 3Q 2021). Profit margin: 15% (up from 13% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.2% growth forecast for the Consumer Finance industry in Europe.Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non-Executive Director Valeria Lattuada was the last director to join the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • Sep 10Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: €82.8m (up 1.3% from 2Q 2021). Net income: €16.2m (up 64% from 2Q 2021). Profit margin: 20% (up from 12% in 2Q 2021). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 7.9% growth forecast for the Consumer Finance industry in Europe.공고 • Aug 31Gruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 millionGruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 million on August 28, 2022. The acquisition will be financed with available cash and the use of already available credit lines. The Transaction has been approved by the respective boards of directors of the Sellers and of Gruppo MutuiOnline and it is subject to customary regulatory approval. The transaction is expected to close in the first days of 2023. BE Partner S.p.A. acted as financial advisor, Clifford Chance Studio Legale Associato acted as legal advisor and PricewaterhouseCoopers Advisory SpA acted as accountant to Gruppo MutuiOnline. Baker & Mckenzie LLP, London acted as legal advisors to sellers Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited.Reported Earnings • May 14First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: €79.0m (flat on 1Q 2021). Net income: €11.4m (down 11% from 1Q 2021). Profit margin: 14% (down from 16% in 1Q 2021). Over the next year, revenue is forecast to grow 7.9%, compared to a 77% growth forecast for the industry in Germany.Upcoming Dividend • May 09Upcoming dividend of €0.40 per shareEligible shareholders must have bought the stock before 16 May 2022. Payment date: 18 May 2022. Payout ratio is on the higher end at 93% but the company is not cash flow positive. Trailing yield: 1.4%. Lower than top quartile of German dividend payers (4.2%). Lower than average of industry peers (4.1%).Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non-Executive Director Valeria Lattuada was the last director to join the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.Reported Earnings • Mar 18Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: €0.43 (down from €3.42 in FY 2020). Revenue: €318.3m (up 21% from FY 2020). Net income: €16.3m (down 87% from FY 2020). Profit margin: 5.1% (down from 49% in FY 2020). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 1.3%. Over the next year, revenue is forecast to grow 7.1%, compared to a 71% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 26% per year whereas the company’s share price has increased by 25% per year.공고 • Feb 02Gruppo MutuiOnline S.p.A (BIT:MOL) signed a binding agreement to acquire Business Unit from Europa Srl for an enterprise value of €15 million.Gruppo MutuiOnline S.p.A (BIT:MOL) signed a binding agreement to acquire Business Unit from Europa Srl for an enterprise value of €15 million on January 21, 2022. The transaction will be carried out through the contribution of the Business Unit to a newly incorporated company (“NewCo”) owned by Europa and the subsequent acquisition of 100% of NewCo by Gruppo MutuiOnline. In addition, there is an earn-out linked to the future growth of NewCo’s first margin (defined as the company’s total turnover minus direct variable costs) over the next 5 years. Mimmo Busacca, founder and entrepreneurial soul of Europa, will maintain his full-time professional commitment at the head of NewCo, which will be part of the BPO Division of Gruppo MutuiOnline. The payment of all amounts will be financed by cash and/or the use of already available credit lines. In 2020, the Business Unit achieved total revenues of €9.6 million and a normalized EBITDA of €2.7 million. The closing of the transaction is expected to take place by the end of March 2022. Gruppo MutuiOnline was assisted by BE Partner as financial advisor, as well as by Studio Gattai, Minoli, Partners and Studio Morpurgo as legal advisors. Europa was assisted by Studio Legale Commerciale Barrilà as financial and legal advisor.Reported Earnings • Nov 16Third quarter 2021 earnings releasedThe company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: €73.2m (up 23% from 3Q 2020). Net income: €9.40m (down 8.3% from 3Q 2020). Profit margin: 13% (down from 17% in 3Q 2020). The decrease in margin was driven by higher expenses.Reported Earnings • Sep 10Second quarter 2021 earnings released: EPS €0.26 (vs €0.32 in 2Q 2020)The company reported a soft second quarter result with weaker earnings and profit margins, although revenues improved. Second quarter 2021 results: Revenue: €81.7m (up 30% from 2Q 2020). Net income: €9.85m (down 19% from 2Q 2020). Profit margin: 12% (down from 19% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has only increased by 42% per year, which means it is significantly lagging earnings growth.Recent Insider Transactions • Aug 11CEO & Executive Director recently sold €1.1m worth of stockOn the 6th of August, Alessandro Fracassi sold around 22k shares on-market at roughly €50.38 per share. This was the largest sale by an insider in the last 3 months. Alessandro has been a seller over the last 12 months, reducing personal holdings by €2.7m.Recent Insider Transactions • Aug 05Executive Chairman recently sold €243k worth of stockOn the 27th of July, Marco Pescarmona sold around 5k shares on-market at roughly €48.57 per share. In the last 3 months, they made an even bigger sale worth €650k. Marco has been a seller over the last 12 months, reducing personal holdings by €1.2m.Reported Earnings • May 18First quarter 2021 earnings released: EPS €0.35The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €80.2m (up 36% from 1Q 2020). Net income: €13.1m (up 69% from 1Q 2020). Profit margin: 16% (up from 13% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 43% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • May 10Upcoming dividend of €0.40 per shareEligible shareholders must have bought the stock before 17 May 2021. Payment date: 19 May 2021. Trailing yield: 0.9%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.0%).Reported Earnings • Mar 20Full year 2020 earnings released: EPS €3.42 (vs €1.07 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: €262.8m (up 18% from FY 2019). Net income: €128.5m (up 219% from FY 2019). Profit margin: 49% (up from 18% in FY 2019). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 51% per year whereas the company’s share price has increased by 50% per year.공고 • Mar 17+ 1 more updateGruppo Mutuionline S.p.A Proposes Ordinary Dividend DistributionGruppo MutuiOnline S.p. A proposes ordinary dividend distribution announced that the board of directors resolved to propose to the shareholders' meeting to approve an ordinary dividend distribution for a total of EUR 0.40 per outstanding share, equal to an estimated total amount of EUR 15,093,258.00.공고 • Mar 10Castor Srl offered to acquire Cerved Group S.p.A. (BIT:CERV) from a group of shareholders for €1.8 billion.Castor Srl offered to acquire Cerved Group S.p.A. (BIT:CERV) from a group of shareholders for €1.8 billion on March 8, 2021. Under the terms, Castor will pay €9.5 per share for 192.28 million shares. Castor plans to raise the funds necessary to pay the Maximum Disbursement through the use of its own funds, using the proceeds from equity injections and/or shareholders’ loans that will be made available by FermION and FSI pursuant to equity commitment letters entered into on the date hereof by the Offeror, FermION and FSI. Transaction is subject to minimum tender of 90% stake, antitrust approval and approval from Office of the Italian Prime Minister. Credit Suisse Securities (Europe) Limited, Intesa Sanpaolo - IMI Corporate & Investment Banking, Goldman Sachs Bank Europe SE, Italian Branch and Sociedad De Valores S.A., Italian Branch acted as financial advisors and Chiomenti Studio Legale and Cleary, Gottlieb, Steen & Hamilton LLP (Milan) acted as legal advisors to Castor.Is New 90 Day High Low • Mar 02New 90-day high: €39.05The company is up 27% from its price of €30.65 on 02 December 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 23% over the same period.Valuation Update With 7 Day Price Move • Jan 18Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to €32.70, the stock is trading at a trailing P/E ratio of 31x, down from the previous P/E ratio of 36.8x. This compares to an average P/E of 16x in the Consumer Finance industry in Europe. Total returns to shareholders over the past three years are 131%.Is New 90 Day High Low • Jan 09New 90-day high: €36.30The company is up 65% from its price of €22.00 on 09 October 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 11% over the same period.Is New 90 Day High Low • Dec 24New 90-day high: €34.15The company is up 47% from its price of €23.30 on 25 September 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 14% over the same period.Is New 90 Day High Low • Dec 08New 90-day high: €31.15The company is up 35% from its price of €23.00 on 09 September 2020. The German market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 7.0% over the same period.공고 • Nov 29Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. for €29.5 million.Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. for €29.5 million on November 27, 2020. The consideration in amount of €25.7 million was paid at closing and €3 million retained as escrow to guarantee any indemnity obligations arising from the purchase and sale contract, with progressive release over a three-year period. In addition, a deferred price component of up to €0.8 million is provided, subject to the occurrence of certain events, which may be paid by January 2022. All payments were financed with available cash and cash equivalents and/or the use of already available credit lines. As a part of transaction, Sos Tariffe acquired from from founders Alberto Mazzetti, Giuliano Messina and Umberto Lentini 100% of the share capital of SOS Consulting S.r.l., which owns some immaterial assets used within the activity of SOS Tariffe, for a price corresponding to an enterprise value (i.e. on a debt-cash free basis) of €1.4 million. With the acquisition of Sos Tariffe, the Broking Division will add in its reporting a new line of business, called Telco & Energy Comparison. The revenue reported in 2019 amounted to €8.2 million, while the EBITDA has been €0.1 million. For 12 months after the closing, founders Alberto Mazzetti, Giuliano Messina and Umberto Lentini will continue to work to the benefit of Sos Tariffe, accompanying its transition into Gruppo MutuiOnline. Filippo Bratta of Scouting S.p.A. through Scouting Capital Advisors acted as financial advisor to Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. Gattai, Minoli, Agostinelli & Partners and Morpurgo e Associati acted as legal advisors to Gruppo MutuiOnline S.p.A. BE Partner S.p.A acted as financial advisor to Gruppo MutuiOnline S.p.A. Francesca de Fraja and Giulia Gandolfi of Studio Pirola Pennuto Zei & Associati acted as legal advisors to Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. on November 27, 2020.Analyst Estimate Surprise Post Earnings • Nov 19Revenue beats expectationsRevenue exceeded analyst estimates by 14%. Over the next year, revenue is expected to shrink by 12% compared to a 23% growth forecast for the Consumer Finance industry in Germany.Is New 90 Day High Low • Nov 18New 90-day high: €25.35The company is up 15% from its price of €21.95 on 20 August 2020. The German market is up 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 9.0% over the same period.이익 및 매출 성장 예측DB:MNL - 애널리스트 향후 추정치 및 과거 재무 데이터 (EUR Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/2028835102131N/A412/31/202779489126N/A412/31/202675174104N/A43/31/202674740N/AN/AN/A12/31/202569629114127N/A9/30/202562051N/AN/AN/A6/30/202555944108122N/A3/31/202549644N/AN/AN/A12/31/2024469438995N/A9/30/202444535N/AN/AN/A6/30/2024433367077N/A3/31/202442736N/AN/AN/A12/31/2023414358794N/A9/30/202338939N/AN/AN/A6/30/2023362387378N/A3/31/202333545N/AN/AN/A12/31/2022318475862N/A9/30/202231522N/AN/AN/A6/30/2022317214951N/A3/31/202231815N/AN/AN/A12/31/202131816-11N/A9/30/2021315130N/AN/AN/A6/30/20213021313236N/A3/31/2021283133N/AN/AN/A12/31/2020263128104107N/A9/30/202024543N/AN/AN/A6/30/2020235405961N/A3/31/202022739N/AN/AN/A12/31/201922240N/A42N/A9/30/201921437N/AN/AN/A6/30/201920938N/A41N/A3/31/201920237N/AN/AN/A12/31/201818634N/A40N/A9/30/201817131N/AN/AN/A6/30/201816128N/A31N/A3/31/201815325N/AN/AN/A12/31/201715426N/A34N/A9/30/201715326N/AN/AN/A6/30/201715126N/A33N/A3/31/201714524N/AN/AN/A12/31/201613922N/A28N/A9/30/201613621N/AN/AN/A6/30/201613523N/A28N/A3/31/201613223N/AN/AN/A12/31/201512122N/A26N/A9/30/201510519N/AN/AN/A더 보기애널리스트 향후 성장 전망수입 대 저축률: MNL 의 연간 예상 수익 증가율(28.8%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: MNL 의 연간 수익(28.8%)이 German 시장(15.4%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: MNL 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: MNL 의 수익(연간 4.3%)이 German 시장(연간 6.7%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: MNL 의 수익(연간 4.3%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: MNL의 자본 수익률은 3년 후 23.5%로 높을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/31 21:53종가2026/07/31 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Moltiply Group S.p.A.는 12명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Gabriele VenturiBanca Akros S.p.A. (ESN)Vincenzo Antonio BuonoBanca Akros S.p.A. (ESN)Aleksandra ArsovaEquita SIM S.p.A.9명의 분석가 더 보기
Upcoming Dividend • Jun 29Upcoming dividend of €0.15 per shareEligible shareholders must have bought the stock before 06 July 2026. Payment date: 08 July 2026. Payout ratio is a comfortable 20% and this is well supported by cash flows. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.0%).
Reported Earnings • May 20First quarter 2026 earnings releasedFirst quarter 2026 results: Revenue: €187.9m (up 38% from 1Q 2025). Net income: €22.7m (up 92% from 1Q 2025). Profit margin: 12% (up from 8.7% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 4.2% p.a. on average during the next 3 years, compared to a 9.7% growth forecast for the Consumer Finance industry in Europe.
Board Change • May 20Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. 5 highly experienced directors. Independent Director Guido Crespi was the last director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
공고 • Mar 23Moltiply Group S.p.A., Annual General Meeting, Apr 29, 2026Moltiply Group S.p.A., Annual General Meeting, Apr 29, 2026, at 08:30 W. Europe Standard Time. Location: via desenzano 2 20146, milano Italy
공고 • Mar 19Moltiply Group S.p.A. announces Annual dividend, payable on July 08, 2026Moltiply Group S.p.A. announced Annual dividend of EUR 0.1500 per share payable on July 08, 2026, ex-date on July 06, 2026 and record date on July 07, 2026.
공고 • Feb 20Harley & Dikkinson Consulting S.R.L. acquired Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL).Harley & Dikkinson Consulting S.R.L. acquired Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL) on February 19, 2026. Harley & Dikkinson Consulting S.R.L. completed the acquisition of Centro Finanziamenti SpA from Moltiply Group S.p.A. (BIT:MOL) on February 19, 2026.
공고 • Jan 28+ 3 more updatesMoltiply Group S.p.A. to Report Q1, 2026 Results on May 14, 2026Moltiply Group S.p.A. announced that they will report Q1, 2026 results at 5:25 PM, Central European Standard Time on May 14, 2026
공고 • Mar 22Moltiply Group S.p.A. (BIT:MOL) signed a binding agreement to acquire Verivox GmbH from ProSiebenSat.1 Media SE (XTRA:PSM). for approximately 360 million.Moltiply Group S.p.A. (BIT:MOL) signed a binding agreement to acquire Verivox GmbH from ProSiebenSat.1 Media SE (XTRA:PSM) for approximately 360 million on March 21, 2025. The total agreed price for the Transaction is €231.5 million in terms of equity value, based on a net financial position as of 30 June 2024 of €6.5 million in net cash. Upon execution of the agreement (“Closing”), which is expected to occur later today, NewCo will assume debts towards Verivox - generated by a cash pool relationship - for €53.9 million, and will acquire a shareholders' loan towards Verivox of €13.7 million. The agreed price for the Transaction and the countervalue of these last two assignments will be set-off at Closing. The net amount will be paid with the proceeds from the financing agreement referred to in Moltiply's press release of March 20, 2025 and already available cash. The agreements for the Transaction also include an earn-out of up to €60 million determined on the basis of Verivox's economic performance in 2025. In the Transaction, Moltiply was assisted by BE Partner as financial advisor, Gleiss Lutz as legal and tax advisor, and EY for accounting aspects.
공고 • Mar 18Moltiply Group S.p.A. announces Annual dividend, payable on July 09, 2025Moltiply Group S.p.A. announced Annual dividend of EUR 0.1200 per share payable on July 09, 2025, ex-date on July 07, 2025 and record date on July 08, 2025.
공고 • Feb 14+ 3 more updatesMoltiply Group S.p.A. to Report Q3, 2025 Results on Nov 13, 2025Moltiply Group S.p.A. announced that they will report Q3, 2025 results on Nov 13, 2025
Reported Earnings • Nov 17Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: €112.8m (up 16% from 3Q 2023). Net income: €9.25m (down 18% from 3Q 2023). Profit margin: 8.2% (down from 12% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.4% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe.
Recent Insider Transactions • Oct 04CEO & Executive Director recently sold €325k worth of stockOn the 25th of September, Alessandro Alvaro Fracassi sold around 10k shares on-market at roughly €32.50 per share. This transaction amounted to 3.2% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Alessandro has been a net seller over the last 12 months, reducing personal holdings by €807k.
New Risk • Sep 16New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. This is currently the only risk that has been identified for the company.
New Risk • Sep 13New major risk - Financial positionThe company's debt is not well covered by operating cash flow. Operating cash flow to total debt ratio: 18% This is considered a major risk. If the company's operating cash flows are too small relative to the size of their debt, it increases their balance sheet risk. The company has less cash from operations to cover its expenses from servicing large debt and it increases the risk of liquidity issues. It also extends the time it would take for the company to pay back the debt in full, meaning it may not be able to easily pay it all off in a distress scenario. This is currently the only risk that has been identified for the company.
Reported Earnings • Sep 06Second quarter 2024 earnings releasedSecond quarter 2024 results: Revenue: €117.7m (up 10% from 2Q 2023). Net income: €8.92m (down 3.1% from 2Q 2023). Profit margin: 7.6% (down from 8.6% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Jul 04Upcoming dividend of €0.12 per shareEligible shareholders must have bought the stock before 08 July 2024. Payment date: 10 July 2024. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 0.3%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.3%).
Reported Earnings • May 17First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: €111.8m (up 16% from 1Q 2023). Net income: €10.8m (up 15% from 1Q 2023). Profit margin: 9.6% (in line with 1Q 2023). Revenue is forecast to grow 4.8% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Consumer Finance industry in Europe.
Declared Dividend • Mar 22Dividend of €0.12 announcedShareholders will receive a dividend of €0.12. Ex-date: 8th July 2024 Payment date: 10th July 2024 Dividend yield will be 0.3%, which is lower than the industry average of 2.2%. Payout Ratios Payout ratio: 13%. Cash payout ratio: 5%.
Valuation Update With 7 Day Price Move • Mar 21Investor sentiment improves as stock rises 15%After last week's 15% share price gain to €37.45, the stock trades at a forward P/E ratio of 27x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total loss to shareholders of 13% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €18.47 per share.
New Risk • Mar 15New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 8.1% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks High level of debt (91% net debt to equity). Profit margins are more than 30% lower than last year (8.1% net profit margin).
Reported Earnings • Mar 15Full year 2023 earnings released: EPS: €0.93 (vs €1.24 in FY 2022)Full year 2023 results: EPS: €0.93 (down from €1.24 in FY 2022). Revenue: €426.6m (up 34% from FY 2022). Net income: €34.7m (down 26% from FY 2022). Profit margin: 8.1% (down from 15% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 16% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 52% per year but the company’s share price has only fallen by 8% per year, which means it has not declined as severely as earnings.
공고 • Jan 06+ 4 more updatesGruppo MutuiOnline S.p.A to Report First Half, 2024 Results on Sep 05, 2024Gruppo MutuiOnline S.p.A announced that they will report first half, 2024 results on Sep 05, 2024
Recent Insider Transactions • Dec 07CEO & Executive Director recently sold €339k worth of stockOn the 1st of December, Alessandro Alvaro Fracassi sold around 12k shares on-market at roughly €28.30 per share. This transaction amounted to 4.3% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Alessandro has been a net seller over the last 12 months, reducing personal holdings by €359k.
Reported Earnings • Sep 11Second quarter 2023 earnings released: EPS: €0.25 (vs €0.42 in 2Q 2022)Second quarter 2023 results: EPS: €0.25 (down from €0.42 in 2Q 2022). Revenue: €106.8m (up 32% from 2Q 2022). Net income: €9.21m (down 42% from 2Q 2022). Profit margin: 8.6% (down from 20% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 33% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • Aug 17Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €25.15, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 7x in the Consumer Finance industry in Europe. Total returns to shareholders of 18% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €16.94 per share.
Upcoming Dividend • Jun 26Upcoming dividend of €0.12 per share at 0.4% yieldEligible shareholders must have bought the stock before 03 July 2023. Payment date: 05 July 2023. Payout ratio is a comfortable 9.7% and this is well supported by cash flows. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (7.2%).
Board Change • Jun 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non Executive Director Giulia Frangipane was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • May 16First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: €99.1m (up 25% from 1Q 2022). Net income: €9.41m (down 17% from 1Q 2022). Profit margin: 9.5% (down from 14% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.8% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 36% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.
공고 • May 06+ 2 more updatesGruppo MutuiOnline S.p.A to Report First Half, 2023 Results on Sep 07, 2023Gruppo MutuiOnline S.p.A announced that they will report first half, 2023 results on Sep 07, 2023
Reported Earnings • Mar 18Full year 2022 earnings released: EPS: €1.24 (vs €0.43 in FY 2021)Full year 2022 results: EPS: €1.24 (up from €0.43 in FY 2021). Revenue: €318.3m (flat on FY 2021). Net income: €46.9m (up 187% from FY 2021). Profit margin: 15% (up from 5.1% in FY 2021). Revenue is forecast to grow 16% p.a. on average during the next 2 years, compared to a 8.9% growth forecast for the Consumer Finance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings.
공고 • Feb 03Gruppo MutuiOnline S.p.A (BIT:MOL) completed the acquisition of Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited.Gruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 million on August 28, 2022. The acquisition will be financed with available cash and the use of already available credit lines. The Transaction has been approved by the respective boards of directors of the Sellers and of Gruppo MutuiOnline and it is subject to customary regulatory approval. The transaction is expected to close in the first days of 2023. BE Partner S.p.A. acted as financial advisor, Clifford Chance Studio Legale Associato acted as legal advisor and PricewaterhouseCoopers Advisory SpA acted as accountant to Gruppo MutuiOnline. Baker & Mckenzie LLP, London acted as legal advisors to sellers Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited. Roxanne Anderson, Gautam Ganjawala and Vivek Pillai of AZB & Partners acted as legal advisor to Gruppo MutuiOnline S.p.A. Gruppo MutuiOnline S.p.A (BIT:MOL) completed the acquisition of Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited on February 1, 2023.
Reported Earnings • Nov 17Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: €70.6m (down 2.4% from 3Q 2021). Net income: €10.6m (up 13% from 3Q 2021). Profit margin: 15% (up from 13% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 8.2% growth forecast for the Consumer Finance industry in Europe.
Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non-Executive Director Valeria Lattuada was the last director to join the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • Sep 10Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: €82.8m (up 1.3% from 2Q 2021). Net income: €16.2m (up 64% from 2Q 2021). Profit margin: 20% (up from 12% in 2Q 2021). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 7.9% growth forecast for the Consumer Finance industry in Europe.
공고 • Aug 31Gruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 millionGruppo MutuiOnline S.p.A (BIT:MOL) entered into a binding agreement to acquire Rastreator.com Ltd and LeLynx SAS from Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited for €150 million on August 28, 2022. The acquisition will be financed with available cash and the use of already available credit lines. The Transaction has been approved by the respective boards of directors of the Sellers and of Gruppo MutuiOnline and it is subject to customary regulatory approval. The transaction is expected to close in the first days of 2023. BE Partner S.p.A. acted as financial advisor, Clifford Chance Studio Legale Associato acted as legal advisor and PricewaterhouseCoopers Advisory SpA acted as accountant to Gruppo MutuiOnline. Baker & Mckenzie LLP, London acted as legal advisors to sellers Penguin Portals Limited and ZPG Comparison Services Holdings UK Limited.
Reported Earnings • May 14First quarter 2022 earnings releasedFirst quarter 2022 results: Revenue: €79.0m (flat on 1Q 2021). Net income: €11.4m (down 11% from 1Q 2021). Profit margin: 14% (down from 16% in 1Q 2021). Over the next year, revenue is forecast to grow 7.9%, compared to a 77% growth forecast for the industry in Germany.
Upcoming Dividend • May 09Upcoming dividend of €0.40 per shareEligible shareholders must have bought the stock before 16 May 2022. Payment date: 18 May 2022. Payout ratio is on the higher end at 93% but the company is not cash flow positive. Trailing yield: 1.4%. Lower than top quartile of German dividend payers (4.2%). Lower than average of industry peers (4.1%).
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 1 experienced director. 11 highly experienced directors. Independent Non-Executive Director Valeria Lattuada was the last director to join the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
Reported Earnings • Mar 18Full year 2021 earnings: EPS in line with expectations, revenues disappointFull year 2021 results: EPS: €0.43 (down from €3.42 in FY 2020). Revenue: €318.3m (up 21% from FY 2020). Net income: €16.3m (down 87% from FY 2020). Profit margin: 5.1% (down from 49% in FY 2020). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 1.3%. Over the next year, revenue is forecast to grow 7.1%, compared to a 71% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 26% per year whereas the company’s share price has increased by 25% per year.
공고 • Feb 02Gruppo MutuiOnline S.p.A (BIT:MOL) signed a binding agreement to acquire Business Unit from Europa Srl for an enterprise value of €15 million.Gruppo MutuiOnline S.p.A (BIT:MOL) signed a binding agreement to acquire Business Unit from Europa Srl for an enterprise value of €15 million on January 21, 2022. The transaction will be carried out through the contribution of the Business Unit to a newly incorporated company (“NewCo”) owned by Europa and the subsequent acquisition of 100% of NewCo by Gruppo MutuiOnline. In addition, there is an earn-out linked to the future growth of NewCo’s first margin (defined as the company’s total turnover minus direct variable costs) over the next 5 years. Mimmo Busacca, founder and entrepreneurial soul of Europa, will maintain his full-time professional commitment at the head of NewCo, which will be part of the BPO Division of Gruppo MutuiOnline. The payment of all amounts will be financed by cash and/or the use of already available credit lines. In 2020, the Business Unit achieved total revenues of €9.6 million and a normalized EBITDA of €2.7 million. The closing of the transaction is expected to take place by the end of March 2022. Gruppo MutuiOnline was assisted by BE Partner as financial advisor, as well as by Studio Gattai, Minoli, Partners and Studio Morpurgo as legal advisors. Europa was assisted by Studio Legale Commerciale Barrilà as financial and legal advisor.
Reported Earnings • Nov 16Third quarter 2021 earnings releasedThe company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: €73.2m (up 23% from 3Q 2020). Net income: €9.40m (down 8.3% from 3Q 2020). Profit margin: 13% (down from 17% in 3Q 2020). The decrease in margin was driven by higher expenses.
Reported Earnings • Sep 10Second quarter 2021 earnings released: EPS €0.26 (vs €0.32 in 2Q 2020)The company reported a soft second quarter result with weaker earnings and profit margins, although revenues improved. Second quarter 2021 results: Revenue: €81.7m (up 30% from 2Q 2020). Net income: €9.85m (down 19% from 2Q 2020). Profit margin: 12% (down from 19% in 2Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 57% per year but the company’s share price has only increased by 42% per year, which means it is significantly lagging earnings growth.
Recent Insider Transactions • Aug 11CEO & Executive Director recently sold €1.1m worth of stockOn the 6th of August, Alessandro Fracassi sold around 22k shares on-market at roughly €50.38 per share. This was the largest sale by an insider in the last 3 months. Alessandro has been a seller over the last 12 months, reducing personal holdings by €2.7m.
Recent Insider Transactions • Aug 05Executive Chairman recently sold €243k worth of stockOn the 27th of July, Marco Pescarmona sold around 5k shares on-market at roughly €48.57 per share. In the last 3 months, they made an even bigger sale worth €650k. Marco has been a seller over the last 12 months, reducing personal holdings by €1.2m.
Reported Earnings • May 18First quarter 2021 earnings released: EPS €0.35The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: €80.2m (up 36% from 1Q 2020). Net income: €13.1m (up 69% from 1Q 2020). Profit margin: 16% (up from 13% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 59% per year but the company’s share price has only increased by 43% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • May 10Upcoming dividend of €0.40 per shareEligible shareholders must have bought the stock before 17 May 2021. Payment date: 19 May 2021. Trailing yield: 0.9%. Lower than top quartile of German dividend payers (3.2%). Lower than average of industry peers (2.0%).
Reported Earnings • Mar 20Full year 2020 earnings released: EPS €3.42 (vs €1.07 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: €262.8m (up 18% from FY 2019). Net income: €128.5m (up 219% from FY 2019). Profit margin: 49% (up from 18% in FY 2019). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 51% per year whereas the company’s share price has increased by 50% per year.
공고 • Mar 17+ 1 more updateGruppo Mutuionline S.p.A Proposes Ordinary Dividend DistributionGruppo MutuiOnline S.p. A proposes ordinary dividend distribution announced that the board of directors resolved to propose to the shareholders' meeting to approve an ordinary dividend distribution for a total of EUR 0.40 per outstanding share, equal to an estimated total amount of EUR 15,093,258.00.
공고 • Mar 10Castor Srl offered to acquire Cerved Group S.p.A. (BIT:CERV) from a group of shareholders for €1.8 billion.Castor Srl offered to acquire Cerved Group S.p.A. (BIT:CERV) from a group of shareholders for €1.8 billion on March 8, 2021. Under the terms, Castor will pay €9.5 per share for 192.28 million shares. Castor plans to raise the funds necessary to pay the Maximum Disbursement through the use of its own funds, using the proceeds from equity injections and/or shareholders’ loans that will be made available by FermION and FSI pursuant to equity commitment letters entered into on the date hereof by the Offeror, FermION and FSI. Transaction is subject to minimum tender of 90% stake, antitrust approval and approval from Office of the Italian Prime Minister. Credit Suisse Securities (Europe) Limited, Intesa Sanpaolo - IMI Corporate & Investment Banking, Goldman Sachs Bank Europe SE, Italian Branch and Sociedad De Valores S.A., Italian Branch acted as financial advisors and Chiomenti Studio Legale and Cleary, Gottlieb, Steen & Hamilton LLP (Milan) acted as legal advisors to Castor.
Is New 90 Day High Low • Mar 02New 90-day high: €39.05The company is up 27% from its price of €30.65 on 02 December 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 23% over the same period.
Valuation Update With 7 Day Price Move • Jan 18Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to €32.70, the stock is trading at a trailing P/E ratio of 31x, down from the previous P/E ratio of 36.8x. This compares to an average P/E of 16x in the Consumer Finance industry in Europe. Total returns to shareholders over the past three years are 131%.
Is New 90 Day High Low • Jan 09New 90-day high: €36.30The company is up 65% from its price of €22.00 on 09 October 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 11% over the same period.
Is New 90 Day High Low • Dec 24New 90-day high: €34.15The company is up 47% from its price of €23.30 on 25 September 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 14% over the same period.
Is New 90 Day High Low • Dec 08New 90-day high: €31.15The company is up 35% from its price of €23.00 on 09 September 2020. The German market is up 3.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 7.0% over the same period.
공고 • Nov 29Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. for €29.5 million.Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. for €29.5 million on November 27, 2020. The consideration in amount of €25.7 million was paid at closing and €3 million retained as escrow to guarantee any indemnity obligations arising from the purchase and sale contract, with progressive release over a three-year period. In addition, a deferred price component of up to €0.8 million is provided, subject to the occurrence of certain events, which may be paid by January 2022. All payments were financed with available cash and cash equivalents and/or the use of already available credit lines. As a part of transaction, Sos Tariffe acquired from from founders Alberto Mazzetti, Giuliano Messina and Umberto Lentini 100% of the share capital of SOS Consulting S.r.l., which owns some immaterial assets used within the activity of SOS Tariffe, for a price corresponding to an enterprise value (i.e. on a debt-cash free basis) of €1.4 million. With the acquisition of Sos Tariffe, the Broking Division will add in its reporting a new line of business, called Telco & Energy Comparison. The revenue reported in 2019 amounted to €8.2 million, while the EBITDA has been €0.1 million. For 12 months after the closing, founders Alberto Mazzetti, Giuliano Messina and Umberto Lentini will continue to work to the benefit of Sos Tariffe, accompanying its transition into Gruppo MutuiOnline. Filippo Bratta of Scouting S.p.A. through Scouting Capital Advisors acted as financial advisor to Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. Gattai, Minoli, Agostinelli & Partners and Morpurgo e Associati acted as legal advisors to Gruppo MutuiOnline S.p.A. BE Partner S.p.A acted as financial advisor to Gruppo MutuiOnline S.p.A. Francesca de Fraja and Giulia Gandolfi of Studio Pirola Pennuto Zei & Associati acted as legal advisors to Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. Gruppo MutuiOnline S.p.A (BIT:MOL) acquired Sos Tariffe Srl from Alberto Mazzetti, Giuliano Messina, Umberto Lentini and Noosalab S.r.l. on November 27, 2020.
Analyst Estimate Surprise Post Earnings • Nov 19Revenue beats expectationsRevenue exceeded analyst estimates by 14%. Over the next year, revenue is expected to shrink by 12% compared to a 23% growth forecast for the Consumer Finance industry in Germany.
Is New 90 Day High Low • Nov 18New 90-day high: €25.35The company is up 15% from its price of €21.95 on 20 August 2020. The German market is up 1.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Consumer Finance industry, which is up 9.0% over the same period.