Loading...

Gruppo MutuiOnline

LSE:0O2B
Snowflake Description

Adequate balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0O2B
LSE
€661M
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. The last earnings update was 25 days ago. More info.


Add to Portfolio Compare Print
  • Gruppo MutuiOnline has significant price volatility in the past 3 months.
0O2B Share Price and Events
7 Day Returns
0%
LSE:0O2B
0.8%
GB Consumer Finance
0.5%
GB Market
1 Year Returns
19.6%
LSE:0O2B
-24.1%
GB Consumer Finance
0.8%
GB Market
0O2B Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Gruppo MutuiOnline (0O2B) 0% 269.8% 13.2% 19.6% 159.2% -
GB Consumer Finance 0.8% 7.2% -1.8% -24.1% -69.5% -61.6%
GB Market 0.5% 3.6% 7.6% 0.8% 15.9% 6.2%
1 Year Return vs Industry and Market
  • 0O2B outperformed the Consumer Finance industry which returned -24.1% over the past year.
  • 0O2B outperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 0.8% over the past year.
Price Volatility
0O2B
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Gruppo MutuiOnline undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Gruppo MutuiOnline to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Gruppo MutuiOnline.

LSE:0O2B Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €1.80 * 33.6%
€0.61
Book Value of Equity per Share Median Book Value from the past 5 years. €1.80
Discount Rate (Cost of Equity) See below 9%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0O2B
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 9%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.692 (1 + (1- 24%) (20.31%))
0.866
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.87
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.866 * 9.02%)
9.03%

Discounted Cash Flow Calculation for LSE:0O2B using Excess Returns Model Model

The calculations below outline how an intrinsic value for Gruppo MutuiOnline is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0O2B Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (33.6% – 9.03%) * €1.80)
€0.44
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.44 / (9.03% - 1.23%)
€5.67
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €1.80 + €5.67
€7.47
LSE:0O2B Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0O2B represents 1.0455x of BIT:MOL
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.0455x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (EUR) x Listing Adjustment Factor
= € 7.47 x 1.0455
€7.81
Value per share (EUR) From above. €7.81
Current discount Discount to share price of €18.40
= -1 x (€18.40 - €7.81) / €7.81
-135.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Gruppo MutuiOnline is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Gruppo MutuiOnline's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Gruppo MutuiOnline's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0O2B PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in EUR €0.89
BIT:MOL Share Price ** BIT (2019-04-09) in EUR €17.6
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.42x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 797 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Gruppo MutuiOnline.

LSE:0O2B PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BIT:MOL Share Price ÷ EPS (both in EUR)

= 17.6 ÷ 0.89

19.8x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Gruppo MutuiOnline is overvalued based on earnings compared to the GB Consumer Finance industry average.
  • Gruppo MutuiOnline is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Gruppo MutuiOnline's expected growth come at a high price?
Raw Data
LSE:0O2B PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 19.8x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
Not available
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 564 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Gruppo MutuiOnline, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Gruppo MutuiOnline's assets?
Raw Data
LSE:0O2B PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in EUR €2.17
BIT:MOL Share Price * BIT (2019-04-09) in EUR €17.6
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.71x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,367 Publicly-Listed Companies 1.51x
LSE:0O2B PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BIT:MOL Share Price ÷ Book Value per Share (both in EUR)

= 17.6 ÷ 2.17

8.11x

* Primary Listing of Gruppo MutuiOnline.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Gruppo MutuiOnline is overvalued based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess Gruppo MutuiOnline's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Gruppo MutuiOnline has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Gruppo MutuiOnline expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
6.1%
Expected annual growth in revenue.
Earnings growth vs Low Risk Savings
Is Gruppo MutuiOnline expected to grow at an attractive rate?
  • Unable to compare Gruppo MutuiOnline's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Gruppo MutuiOnline's earnings growth to the United Kingdom of Great Britain and Northern Ireland market average as no estimate data is available.
  • Gruppo MutuiOnline's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0O2B Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0O2B Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 6.1%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.8%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13.2%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0O2B Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0O2B Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-12-31 240 1
2021-12-31 228 1
2020-12-31 216 1
2019-12-31 204 1
LSE:0O2B Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2018-12-31 186 40 34
2018-09-30 171 31
2018-06-30 161 31 28
2018-03-31 153 25
2017-12-31 154 34 26
2017-09-30 153 26
2017-06-30 151 33 26
2017-03-31 145 24
2016-12-31 139 28 22
2016-09-30 136 21
2016-06-30 135 28 23
2016-03-31 132 23

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Gruppo MutuiOnline is high growth as no earnings estimate data is available.
  • Gruppo MutuiOnline's revenue is expected to grow by 6.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0O2B Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Gruppo MutuiOnline Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O2B Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-12-31
2021-12-31
2020-12-31
2019-12-31
LSE:0O2B Past Financials Data
Date (Data in EUR Millions) EPS *
2018-12-31 0.89
2018-09-30
2018-06-30 0.75
2018-03-31
2017-12-31 0.69
2017-09-30
2017-06-30 0.69
2017-03-31
2016-12-31 0.58
2016-09-30
2016-06-30 0.60
2016-03-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Gruppo MutuiOnline will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Gruppo MutuiOnline's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Gruppo MutuiOnline has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Gruppo MutuiOnline performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Gruppo MutuiOnline's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Gruppo MutuiOnline has delivered over 20% year on year earnings growth in the past 5 years.
  • Gruppo MutuiOnline's 1-year earnings growth exceeds its 5-year average (30.2% vs 29.2%)
  • Gruppo MutuiOnline's earnings growth has exceeded the GB Consumer Finance industry average in the past year (30.2% vs 19.9%).
Earnings and Revenue History
Gruppo MutuiOnline's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Gruppo MutuiOnline Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0O2B Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 186.21 33.74 29.94
2018-09-30 170.92 31.35 2.23
2018-06-30 160.52 28.21 2.57
2018-03-31 152.98 25.14 2.23
2017-12-31 153.74 25.92 23.65
2017-09-30 152.75 26.43 2.19
2017-06-30 150.52 25.83 3.88
2017-03-31 144.75 23.71 2.19
2016-12-31 139.01 21.59 2.19
2016-09-30 135.67 20.57 1.75
2016-06-30 134.60 22.50 3.59
2016-03-31 131.96 23.24 1.75
2015-12-31 121.49 22.05 1.75
2015-09-30 105.48 19.18 1.14
2015-06-30 91.29 14.40 2.85
2015-03-31 76.33 10.81 1.14
2014-12-31 69.02 8.99 1.14
2014-09-30 63.16 6.90 11.84
2014-06-30 59.53 5.97 11.74
2014-03-31 56.43 4.64 11.84
2013-12-31 51.88 3.48 11.84
2013-09-30 47.71 2.95 0.57
2013-06-30 43.66 2.58 3.22
2013-03-31 39.84 2.82 0.57
2012-12-31 38.99 3.37 0.57
2012-09-30 48.10 9.02 10.16
2012-06-30 55.79 13.13 7.96

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst Gruppo MutuiOnline made outstanding use of shareholders’ funds last year (Return on Equity greater than 40%), this is metric is skewed due to its high level of debt.
  • Gruppo MutuiOnline used its assets more efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Gruppo MutuiOnline's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Gruppo MutuiOnline's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Gruppo MutuiOnline has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Gruppo MutuiOnline's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Gruppo MutuiOnline's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Gruppo MutuiOnline is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Gruppo MutuiOnline's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Gruppo MutuiOnline's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.1x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Gruppo MutuiOnline Company Filings, last reported 3 months ago.

LSE:0O2B Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 82.95 134.22 67.88
2018-09-30 99.85 136.76 93.93
2018-06-30 93.29 138.80 90.21
2018-03-31 95.00 76.75 109.13
2017-12-31 88.39 55.31 77.49
2017-09-30 80.29 57.44 73.54
2017-06-30 74.65 57.76 67.97
2017-03-31 80.27 34.95 50.33
2016-12-31 74.61 35.05 42.91
2016-09-30 66.15 37.39 39.64
2016-06-30 60.47 40.05 32.06
2016-03-31 61.27 42.72 38.30
2015-12-31 58.08 42.51 33.27
2015-09-30 49.34 43.18 24.70
2015-06-30 45.16 42.95 18.95
2015-03-31 58.86 56.14 27.51
2014-12-31 36.08 9.09 23.73
2014-09-30 33.42 9.58 19.71
2014-06-30 31.75 9.56 13.39
2014-03-31 33.85 5.08 17.10
2013-12-31 32.44 5.06 14.90
2013-09-30 31.14 5.41 13.50
2013-06-30 29.67 5.43 11.89
2013-03-31 33.52 5.84 24.46
2012-12-31 32.77 5.81 23.55
2012-09-30 31.69 6.22 26.77
2012-06-30 30.98 8.22 28.72
  • Gruppo MutuiOnline's level of debt (161.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (15.6% vs 161.8% today).
  • Debt is well covered by operating cash flow (29.8%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 42.8x coverage).
X
Financial health checks
We assess Gruppo MutuiOnline's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Gruppo MutuiOnline has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Gruppo MutuiOnline's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.7%
Current annual income from Gruppo MutuiOnline dividends. Estimated to be 1.7% next year.
If you bought €2,000 of Gruppo MutuiOnline shares you are expected to receive €34 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Gruppo MutuiOnline's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.02%).
  • Gruppo MutuiOnline's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Upcoming dividend payment

Purchase Gruppo MutuiOnline before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0O2B Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 3%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0O2B Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2022-12-31
2021-12-31 0.30 1.00
2020-12-31 0.30 1.00
2019-12-31 0.30 1.00
LSE:0O2B Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-03-15 0.300 1.643
2018-04-06 0.300 1.968
2018-03-12 0.300 2.294
2017-03-14 0.300 2.390
2016-04-01 0.050 0.630
2016-03-14 0.050 0.693
2015-03-16 0.120 1.581
2014-04-03 0.120 2.428
2014-03-14 0.120 2.545
2013-03-13 0.050 1.332
2012-03-14 0.120 3.815
2011-03-29 0.370 9.178
2011-03-10 0.370 7.394
2010-04-07 0.360 7.037
2010-02-12 0.360 6.327
2009-04-24 0.206 4.234

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Gruppo MutuiOnline's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (3x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.1x coverage).
X
Income/ dividend checks
We assess Gruppo MutuiOnline's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Gruppo MutuiOnline afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Gruppo MutuiOnline has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Gruppo MutuiOnline's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alessandro Fracassi
COMPENSATION €621,000
AGE 49
TENURE AS CEO 11 years
CEO Bio

Mr. Alessandro Fracassi has been the Chief Executive Officer of Gruppo MutuiOnline S.p.A since April 24, 2008 and serves as Chief Executive Officer of BPO Division. Mr. Fracassi served as the Chief Executive Officer of MutuiOnline S.p.A., CreditOnline Mediazione Creditizia S.p.A. and PP&E S.r.l. He was with Booz Allen & Hamilton in the US and Italy, where he was involved in operations & strategy for a wide range of industry sectors. From 1998 to 2000, Mr. Fracassi worked as a strategic consultant in the operations practice of the Chicago office of Booz, Allen & Hamilton Inc., where he became a senior associate in 1999. In 2000, he and Mr. Pescarmona founded Gruppo MutuiOnline. Between 1994 and 1996, he worked as a consultant for Booz, Allen & Hamilton Italia Ltd., focusing on the aerospace industry and in 1997 he held a summer associate position at BZW – Barclays De Zoete Wedd in London. He served as Chairman of Centro Finanziamenti S.p.A., Centro Istruttorie S.p.A., Effelle Ricerche S.r.l., Quinservizi S.p.A. and Key Service S.r.l. He has been an Executive Director of Gruppo MutuiOnline S.p.A since December 05, 2005. He has been a Director of A2A S.p.A. since May 23, 2017. Since 2008, Mr. Fracassi has been a member of the Advisory Board of the MIT Sloan School of Management. He is founder and board member of Endeavor Italy, the Italian chapter of non-profit organization that promotes entrepreneurship, operating in 25 different countries. Mr. Fracassi held directorships at Centro Perizie S.r.l., Cercassicurazioni.it S.r.l., EuroServizi per i Notai S.r.l., Alma Ventures S.A., Casper S.r.l. and Konutkredisi Com Tr Danismanlik A.S. Mr. Fracassi has been awarded the “EY-Entrepreneur Of The Year” title in the “Innovation & Engineering” category. Mr. Fracassi graduated cum laude from the Milan Polytechnic Institute in 1994 with a degree in management engineering. In 1998, he earned an MBA from the MIT Sloan School of Management in Cambridge, Massachusetts, where he studied financial engineering and served as an assistant to Operations professor Charles H. Fine.

CEO Compensation
  • Alessandro's compensation has been consistent with company performance over the past year.
  • Alessandro's remuneration is lower than average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Marco Pescarmona

TITLE
Chairman
COMPENSATION
€621K
AGE
48

Alessandro Fracassi

TITLE
CEO & Executive Director
COMPENSATION
€621K
AGE
49
TENURE
11 yrs

Francesco Masciandaro

TITLE
CFO and Head of Administration & Control

Walter Baraggia

TITLE
Head of Internal Audit
Board of Directors Tenure

Average tenure and age of the Gruppo MutuiOnline board of directors in years:

9.5
Average Tenure
48
Average Age
  • The tenure for the Gruppo MutuiOnline board of directors is about average.
Board of Directors

Alessandro Fracassi

TITLE
CEO & Executive Director
COMPENSATION
€621K
AGE
49
TENURE
13.3 yrs

Matteo Carlo Brabant

TITLE
Independent Non-Executive Director
COMPENSATION
€14K
AGE
44
TENURE
8 yrs

Marco Pescarmona

TITLE
Chairman
COMPENSATION
€621K
AGE
48
TENURE
11 yrs

Chiara Damiana Burberi

TITLE
Independent Non-Executive Director
COMPENSATION
€20K
AGE
51
TENURE
5 yrs

Valeria Lattuada

TITLE
Lead-Independent director
COMPENSATION
€18K
AGE
48
TENURE
2.3 yrs

Stefano Gnocchi

TITLE
Chairman of the Board of Statutory Auditors
AGE
44
TENURE
12.9 yrs

Fausto Boni

TITLE
Non-Executive Director
COMPENSATION
€6K
AGE
53
TENURE
12.9 yrs

Marco Zampetti

TITLE
Non-Executive Director
COMPENSATION
€7K
AGE
48
TENURE
11.8 yrs

Klaus Gummerer

TITLE
Independent Non-Executive Director
COMPENSATION
€19K
AGE
33
TENURE
6.4 yrs

Anna Artoni

TITLE
Independent Non-Executive Director
COMPENSATION
€3K
AGE
51
TENURE
5 yrs
Who owns this company?
Recent Insider Trading
  • Gruppo MutuiOnline insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
11. Apr 19 Sell Alessandro Fracassi Individual 03. Apr 19 08. Apr 19 -10,000 €18.69 €-186,366
11. Apr 19 Sell Marco Pescarmona Individual 03. Apr 19 08. Apr 19 -20,000 €18.69 €-372,733
01. Apr 19 Sell Marco Pescarmona Individual 22. Mar 19 27. Mar 19 -10,000 €18.28 €-180,723
01. Apr 19 Sell Alessandro Fracassi Individual 22. Mar 19 27. Mar 19 -8,500 €18.28 €-153,540
11. Dec 18 Sell Marco Pescarmona Individual 06. Dec 18 07. Dec 18 -5,000 €16.07 €-80,231
11. Dec 18 Sell Alessandro Fracassi Individual 06. Dec 18 10. Dec 18 -10,000 €16.08 €-160,535
03. Dec 18 Sell Marco Pescarmona Individual 29. Nov 18 30. Nov 18 -4,477 €16.98 €-74,505
20. Nov 18 Sell Marco Pescarmona Individual 15. Nov 18 19. Nov 18 -7,714 €17.34 €-133,029
20. Nov 18 Sell Alessandro Fracassi Individual 15. Nov 18 19. Nov 18 -7,714 €17.34 €-133,029
X
Management checks
We assess Gruppo MutuiOnline's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Gruppo MutuiOnline has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. The company’s Broking division distributes mortgage loans through a network of agents and through mutuionline.it Website; consumer loans through prestitionline.it Website; and motor third party liability and other motor insurance products through cercassicurazioni.it Website. This division also operates as an aggregator for bank accounts with the confrontaconti.it Website, as well as for ADSL, electricity, gas, and pay tv utilities with the segugio.it Website; and offers e-commerce comparison and promotion through the trovaprezzi.it Website. Its Business Process Outsourcing division offers outsourcing services for banks, credit institutions, insurance companies, and asset management companies, which consists of remote loan sales and packaging; mortgage underwriting and closing services; real estate valuation and para-notarial services; loan application processing and portfolio management services for loans guaranteed by withholdings on salaries or pensions; and outsourcing services for the management of mass not-motor insurance claims and asset management industry. The company is based in Milan, Italy.

Details
Name: Gruppo MutuiOnline S.p.A
0O2B
Exchange: LSE
Founded:
€660,734,729
37,541,746
Website: http://www.gruppomol.it
Address: Gruppo MutuiOnline S.p.A
Via Desenzano 2,
Milan,
Milan, 20146,
Italy
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BIT MOL Common Stock Borsa Italiana IT EUR 06. Jun 2007
DB MNL Common Stock Deutsche Boerse AG DE EUR 06. Jun 2007
LSE 0O2B Common Stock London Stock Exchange GB EUR 06. Jun 2007
BATS-CHIXE MOLM Common Stock BATS 'Chi-X Europe' GB EUR 06. Jun 2007
Number of employees
Current staff
Staff numbers
1,473
Gruppo MutuiOnline employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 21:15
End of day share price update: 2019/04/09 00:00
Last estimates confirmation: 2019/04/08
Last earnings filing: 2019/03/29
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.