Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. More Details
Adequate balance sheet with proven track record.
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: MOL is not significantly more volatile than the rest of Italian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: MOL's weekly volatility (5%) has been stable over the past year.
7 Day Return
IT Consumer Finance
1 Year Return
IT Consumer Finance
Return vs Industry: MOL exceeded the Italian Consumer Finance industry which returned 1.2% over the past year.
Return vs Market: MOL exceeded the Italian Market which returned 6.7% over the past year.
Long-Term 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
1 week ago | Simply Wall StIf You Like EPS Growth Then Check Out Gruppo MutuiOnline (BIT:MOL) Before It's Too Late
1 month ago | Simply Wall StShareholders of Gruppo MutuiOnline (BIT:MOL) Must Be Delighted With Their 375% Total Return
2 months ago | Simply Wall StWhat Kind Of Investors Own Most Of Gruppo MutuiOnline S.p.A (BIT:MOL)?
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: MOL (€39.85) is trading above our estimate of fair value (€9.25)
Significantly Below Fair Value: MOL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: MOL is poor value based on its PE Ratio (37.2x) compared to the XE Consumer Finance industry average (13.8x).
PE vs Market: MOL is poor value based on its PE Ratio (37.2x) compared to the Italian market (21x).
Price to Earnings Growth Ratio
PEG Ratio: MOL is poor value based on its PEG Ratio (3.5x)
Price to Book Ratio
PB vs Industry: MOL is overvalued based on its PB Ratio (12.9x) compared to the XE Consumer Finance industry average (1.2x).
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: MOL's forecast earnings growth (10.6% per year) is above the savings rate (1.9%).
Earnings vs Market: MOL's earnings (10.6% per year) are forecast to grow slower than the Italian market (22% per year).
High Growth Earnings: MOL's earnings are forecast to grow, but not significantly.
Revenue vs Market: MOL's revenue (11.7% per year) is forecast to grow faster than the Italian market (4.7% per year).
High Growth Revenue: MOL's revenue (11.7% 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 high in 3 years time (26.2%)
How has Gruppo MutuiOnline performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MOL has high quality earnings.
Growing Profit Margin: MOL's current net profit margins (17.4%) are higher than last year (17.3%).
Past Earnings Growth Analysis
Earnings Trend: MOL's earnings have grown by 16.1% per year over the past 5 years.
Accelerating Growth: MOL's earnings growth over the past year (15.2%) is below its 5-year average (16.1% per year).
Earnings vs Industry: MOL earnings growth over the past year (15.2%) exceeded the Consumer Finance industry -21.7%.
Return on Equity
High ROE: Whilst MOL's Return on Equity (34.32%) is high, this metric is skewed due to their high level of debt.
How is Gruppo MutuiOnline's financial position?
Financial Position Analysis
Short Term Liabilities: MOL's short term assets (€210.7M) exceed its short term liabilities (€111.6M).
Long Term Liabilities: MOL's short term assets (€210.7M) exceed its long term liabilities (€151.7M).
Debt to Equity History and Analysis
Debt Level: MOL's debt to equity ratio (114.5%) is considered high.
Reducing Debt: MOL's debt to equity ratio has increased from 87.1% to 114.5% over the past 5 years.
Debt Coverage: MOL's debt is well covered by operating cash flow (42.2%).
Interest Coverage: MOL's interest payments on its debt are well covered by EBIT (63.5x coverage).
What is Gruppo MutuiOnline current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MOL's dividend (0.3%) isn’t notable compared to the bottom 25% of dividend payers in the Italian market (1.38%).
High Dividend: MOL's dividend (0.3%) is low compared to the top 25% of dividend payers in the Italian market (4.47%).
Stability and Growth of Payments
Stable Dividend: MOL is not paying a notable dividend for the Italian market, therefore no need to check if payments are stable.
Growing Dividend: MOL is not paying a notable dividend for the Italian market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: MOL is not paying a notable dividend for the Italian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of MOL's dividend in 3 years as they are not forecast to pay a notable one for the Italian market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Alessandro Fracassi (51 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 ($USD893.50K) is below average for companies of similar size in the Italian market ($USD1.47M).
Compensation vs Earnings: Alessandro's compensation has been consistent with company performance over the past year.
|Executive Chairman||12.92yrs||€756.00k||0.25% |
|CEO & Executive Director||12.92yrs||€750.00k||0.44% |
|Non-Executive Director||14.83yrs||€12.00k||0.49% |
|Lead Independent Director||3.83yrs||€14.00k||no data|
|Active Statutory Auditor||14.83yrs||€26.00k||0.019% |
|Independent Non-Executive Director||6.92yrs||€22.00k||no data|
|Independent Non-Executive Director||6.92yrs||€17.00k||no data|
|Non-Executive Director||13.75yrs||€19.00k||0.040% |
|Non-Executive Director||9.92yrs||€20.00k||no data|
|Independent Non-Executive Director||8.33yrs||€25.00k||no data|
|Chairman of the Board of Statutory Auditors||14.83yrs||no data||no data|
|Independent Director||no data||no data||no data|
Experienced Board: MOL's board of directors are seasoned and experienced ( 12.9 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 company bio, 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
- Market Cap: €1.500b
- Shares outstanding: 37.63m
- 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. It operates through Broking and Business Process Outso...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/07 18:56|
|End of Day Share Price||2021/03/05 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.