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Gruppo MutuiOnline BIT:MOL Stock Report

Last Price


Market Cap







26 Jun, 2022


Company Financials +
MOL fundamental analysis
Snowflake Score
Future Growth4/6
Past Performance2/6
Financial Health4/6

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

Summary of all time highs, changes and price drops for Gruppo MutuiOnline
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 Change63.09%
5 Year Change113.90%
Change since IPO322.15%

Recent News & Updates

Shareholder Returns

MOLIT Consumer FinanceIT 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.

Price Volatility

Is MOL's price volatile compared to industry and market?
MOL volatility
MOL Average Weekly Movement6.1%
Consumer Finance Industry Average Movement5.9%
Market Average Movement5.1%
10% most volatile stocks in IT Market7.1%
10% least volatile stocks in IT Market3.3%

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

n/a2,467Alessandro Fracassi

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 website; consumer loans through website; and motor third party liability and other motor insurance products through website.

Gruppo MutuiOnline Fundamentals Summary

How do Gruppo MutuiOnline's earnings and revenue compare to its market cap?
MOL fundamental statistics
Market Cap€972.45m
Earnings (TTM)€15.02m
Revenue (TTM)€318.15m


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
MOL income statement (TTM)
Cost of Revenue€167.72m
Gross Profit€150.43m
Other Expenses€135.42m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

Sep 07, 2022

Earnings per share (EPS)0.39
Gross Margin47.28%
Net Profit Margin4.72%
Debt/Equity Ratio82.6%

How did MOL perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is MOL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


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

  • PEG Ratio

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.

MOL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue3.3x
Enterprise Value/EBITDA14x
PEG Ratio2.3x

Price to Earnings Ratio vs Peers

How does MOL's PE Ratio compare to its peers?

MOL PE Ratio vs Peers
The above table shows the PE ratio for MOL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average13.1x

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.

MOL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio64.8x
Fair PE Ratio24.5x

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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Future Growth

How is Gruppo MutuiOnline forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score


Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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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Past Performance

How has Gruppo MutuiOnline performed over the past 5 years?

Past Performance Score


Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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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Financial Health

How is Gruppo MutuiOnline's financial position?

Financial Health Score


Financial Health Score 4/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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).

Balance Sheet

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

Dividend Score


Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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.

Board Members

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Gruppo MutuiOnline S.p.A's employee growth, exchange listings and data sources

Key Information

  • 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:

Number of Employees


  • Gruppo MutuiOnline S.p.A
  • Via Desenzano, 2
  • Milan
  • Milan
  • 20146
  • Italy


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/26 00:00
End of Day Share Price2022/06/24 00:00
Annual Earnings2021/12/31

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.