MOL Stock Overview
Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy.
Gruppo MutuiOnline Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€25.54|
|52 Week High||€53.60|
|52 Week Low||€24.64|
|1 Month Change||-9.88%|
|3 Month Change||-20.68%|
|1 Year Change||-34.51%|
|3 Year Change||63.09%|
|5 Year Change||113.90%|
|Change since IPO||322.15%|
Recent News & Updates
|MOL||IT Consumer Finance||IT Market|
Return vs Industry: MOL exceeded the Italian Consumer Finance industry which returned -40.4% over the past year.
Return vs Market: MOL underperformed the Italian Market which returned -15.6% over the past year.
|MOL Average Weekly Movement||6.1%|
|Consumer Finance Industry Average Movement||5.9%|
|Market Average Movement||5.1%|
|10% most volatile stocks in IT Market||7.1%|
|10% least volatile stocks in IT Market||3.3%|
Stable Share Price: MOL is more volatile than 75% of Italian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: MOL's weekly volatility (6%) has been stable over the past year, but is still higher than 75% of Italian stocks.
About the Company
Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. It operates through Broking and Business Process Outsourcing (BPO) divisions. The 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.
Gruppo MutuiOnline Fundamentals Summary
|MOL fundamental statistics|
Is MOL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|MOL income statement (TTM)|
|Cost of Revenue||€167.72m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Sep 07, 2022
|Earnings per share (EPS)||0.39|
|Net Profit Margin||4.72%|
How did MOL perform over the long term?See historical performance and comparison
1.6%Current Dividend Yield
Is MOL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for MOL?
Other financial metrics that can be useful for relative valuation.
|What is MOL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does MOL's PE Ratio compare to its peers?
|MOL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: MOL is expensive based on its Price-To-Earnings Ratio (64.8x) compared to the peer average (13.1x).
Price to Earnings Ratio vs Industry
How does MOL's PE Ratio compare vs other companies in the Consumer Finance Industry?
Price-To-Earnings vs Industry: MOL is expensive based on its Price-To-Earnings Ratio (64.8x) compared to the European Consumer Finance industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is MOL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||64.8x|
|Fair PE Ratio||24.5x|
Price-To-Earnings vs Fair Ratio: MOL is expensive based on its Price-To-Earnings Ratio (64.8x) compared to the estimated Fair Price-To-Earnings Ratio (24.5x).
Share Price vs Fair Value
What is the Fair Price of MOL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: MOL (€25.54) is trading below our estimate of fair value (€40.59)
Significantly Below Fair Value: MOL is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: MOL is poor value based on its PEG Ratio (2.3x)
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How is Gruppo MutuiOnline forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: MOL's forecast earnings growth (28.4% per year) is above the savings rate (1.7%).
Earnings vs Market: MOL's earnings (28.4% per year) are forecast to grow faster than the Italian market (10.2% per year).
High Growth Earnings: MOL's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: MOL's revenue (6.4% per year) is forecast to grow faster than the Italian market (0.3% per year).
High Growth Revenue: MOL's revenue (6.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: MOL's Return on Equity is forecast to be low in 3 years time (17.6%).
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How has Gruppo MutuiOnline performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MOL has high quality earnings.
Growing Profit Margin: MOL's current net profit margins (4.7%) are lower than last year (47.1%).
Past Earnings Growth Analysis
Earnings Trend: MOL's earnings have grown significantly by 27.2% per year over the past 5 years.
Accelerating Growth: MOL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: MOL had negative earnings growth (-88.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (25%).
Return on Equity
High ROE: MOL's Return on Equity (6.1%) is considered low.
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How is Gruppo MutuiOnline's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: MOL's short term assets (€276.5M) exceed its short term liabilities (€130.5M).
Long Term Liabilities: MOL's short term assets (€276.5M) exceed its long term liabilities (€222.3M).
Debt to Equity History and Analysis
Debt Level: MOL's net debt to equity ratio (32.4%) is considered satisfactory.
Reducing Debt: MOL's debt to equity ratio has increased from 43.9% to 82.6% over the past 5 years.
Debt Coverage: MOL's debt is not well covered by operating cash flow (0.6%).
Interest Coverage: MOL's interest payments on its debt are well covered by EBIT (32.8x coverage).
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What is Gruppo MutuiOnline current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MOL's dividend (1.57%) isn’t notable compared to the bottom 25% of dividend payers in the Italian market (1.71%).
High Dividend: MOL's dividend (1.57%) is low compared to the top 25% of dividend payers in the Italian market (5.19%).
Stability and Growth of Payments
Stable Dividend: MOL's dividend payments have been volatile in the past 10 years.
Growing Dividend: MOL's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (93.3%), MOL's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: MOL is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Alessandro Fracassi (52 yo)
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 ($USD997.89K) is about average for companies of similar size in the Italian market ($USD997.89K).
Compensation vs Earnings: Alessandro's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Board: MOL's board of directors are seasoned and experienced ( 15 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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 employee growth, exchange listings and data sources
- Name: Gruppo MutuiOnline S.p.A
- Ticker: MOL
- Exchange: BIT
- Founded: NaN
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: €972.451m
- Shares outstanding: 38.08m
- Website: https://www.gruppomol.it
Number of Employees
- Gruppo MutuiOnline S.p.A
- Via Desenzano, 2
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/26 00:00|
|End of Day Share Price||2022/06/24 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.