Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy.
Acceptable track record with limited growth.
Share Price & News
How has Gruppo MutuiOnline's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0O2B's share price has been volatile over the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: Insufficient data to determine how 0O2B performed against the UK Consumer Finance industry.
Return vs Market: Insufficient data to determine how 0O2B performed against the UK Market.
Price Volatility Vs. Market
How volatile is Gruppo MutuiOnline's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Gruppo MutuiOnline undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 0O2B (€13.84) is trading above our estimate of fair value (€9.73)
Significantly Below Fair Value: 0O2B is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 0O2B is poor value based on its PE Ratio (14.5x) compared to the Consumer Finance industry average (4.9x).
PE vs Market: 0O2B is poor value based on its PE Ratio (14.5x) compared to the UK market (12.3x).
Price to Earnings Growth Ratio
PEG Ratio: 0O2B is poor value based on its PEG Ratio (4.4x)
Price to Book Ratio
PB vs Industry: 0O2B is overvalued based on its PB Ratio (6.1x) compared to the GB Consumer Finance industry average (0.6x).
How is Gruppo MutuiOnline forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0O2B's forecast earnings growth (3.3% per year) is above the savings rate (0.5%).
Earnings vs Market: 0O2B's earnings (3.3% per year) are forecast to grow slower than the UK market (15.4% per year).
High Growth Earnings: 0O2B's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0O2B's revenue (1.5% per year) is forecast to grow slower than the UK market (2.6% per year).
High Growth Revenue: 0O2B's revenue (1.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0O2B's Return on Equity is forecast to be high in 3 years time (24.4%)
How has Gruppo MutuiOnline performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0O2B has high quality earnings.
Growing Profit Margin: 0O2B's current net profit margins (17.3%) are lower than last year (18.3%).
Past Earnings Growth Analysis
Earnings Trend: 0O2B's earnings have grown significantly by 22.7% per year over the past 5 years.
Accelerating Growth: 0O2B's earnings growth over the past year (18.3%) is below its 5-year average (22.7% per year).
Earnings vs Industry: 0O2B earnings growth over the past year (18.3%) exceeded the Consumer Finance industry 12.7%.
Return on Equity
High ROE: Whilst 0O2B's Return on Equity (37.68%) is high, this metric is skewed due to their high level of debt.
How is Gruppo MutuiOnline's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0O2B has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0O2B's debt is not covered by short term assets (assets are 1x debt).
Financial Institutions Analysis
Asset Level: 0O2B's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0O2B has a sufficient allowance for bad loans.
Low Risk Liabilities: 0O2B reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0O2B has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0O2B has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0O2B has an appropriate level of bad loans.
What is Gruppo MutuiOnline's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 0O2B's dividend (0.82%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (2.66%).
High Dividend: 0O2B's dividend (0.82%) is low compared to the top 25% of dividend payers in the UK market (7.42%).
Stability and Growth of Payments
Stable Dividend: 0O2B is not paying a notable dividend for the UK market, therefore no need to check if payments are stable.
Growing Dividend: 0O2B is not paying a notable dividend for the UK market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: 0O2B is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 0O2B's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Alessandro Fracassi (50yo)
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 Executi ...
CEO Compensation Analysis
Compensation vs Market: Alessandro's total compensation ($USD770.31K) is about average for companies of similar size in the UK market ($USD1.01M).
Compensation vs Earnings: Alessandro's compensation has been consistent with company performance over the past year.
|CEO & Executive Director||12yrs||€714.00k||0.44% €2.4m|
|Non-Executive Director||13.92yrs||€12.00k||0.36% €2.0m|
|Lead-Independent director||3.25yrs||€14.00k||no data|
|Independent Non-Executive Director||6yrs||€22.00k||no data|
|Independent Non-Executive Director||6yrs||€17.00k||no data|
|Non-Executive Director||12.83yrs||€19.00k||0.040% €218.7k|
|Independent Non-Executive Director||9yrs||€20.00k||no data|
|Independent Non-Executive Director||7.42yrs||€25.00k||no data|
|Chairman of the Board of Statutory Auditors||13.92yrs||no data||no data|
Experienced Board: 0O2B's board of directors are seasoned and experienced ( 10.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 0O2B insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Gruppo MutuiOnline S.p.A's company bio, employee growth, exchange listings and data sources
- Name: Gruppo MutuiOnline S.p.A
- Ticker: 0O2B
- Exchange: LSE
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: €547.988m
- Shares outstanding: 37.58m
- Website: https://www.gruppomol.it
Number of Employees
- Gruppo MutuiOnline S.p.A
- Via Desenzano 2
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|MOL||BIT (Borsa Italiana)||Yes||Common Stock||IT||EUR||Jun 2007|
|MNL||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jun 2007|
|0O2B||LSE (London Stock Exchange)||Yes||Common Stock||GB||EUR||Jun 2007|
|MOLM||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Stock||GB||EUR||Jun 2007|
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; outsourcing services for the management of mass not-motor insurance claims and asset management industry; and administrative outsourcing services for leasing and long-term rental operators. The company is based in Milan, Italy.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 22:42|
|End of Day Share Price||2020/04/02 00:00|
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.