BIT:MOL

Stock Analysis Report

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Executive Summary

Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. More Details


Snowflake Analysis

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.


Market Performance


7 Day Return

1.4%

MOL

-2.4%

IT Consumer Finance

1.3%

IT Market


1 Year Return

117.5%

MOL

1.3%

IT Consumer Finance

6.6%

IT Market

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.


Shareholder returns

MOLIndustryMarket
7 Day1.4%-2.4%1.3%
30 Day13.1%0.4%0.7%
90 Day26.9%19.1%4.7%
1 Year118.9%117.5%2.9%1.3%9.8%6.6%
3 Year203.1%190.5%-20.7%-30.5%4.1%-6.0%
5 Year515.3%462.9%-33.4%-50.2%10.0%-12.9%

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

Valuation

Is Gruppo MutuiOnline undervalued compared to its fair value and its price relative to the market?

37.19x

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).


Next Steps

Future Growth

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

10.6%

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%)


Next Steps

Past Performance

How has Gruppo MutuiOnline performed over the past 5 years?

16.1%

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.


Next Steps

Financial Health

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).


Balance Sheet


Next Steps

Dividend

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

0.30%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.9yrs

Average board tenure


CEO

Alessandro Fracassi (51 yo)

12.92yrs

Tenure

€750,000

Compensation

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.


Board Members

NamePositionTenureCompensationOwnership
Marco Pescarmona
Executive Chairman12.92yrs€756.00k0.25%
€ 3.8m
Alessandro Fracassi
CEO & Executive Director12.92yrs€750.00k0.44%
€ 6.6m
Fausto Boni
Non-Executive Director14.83yrs€12.00k0.49%
€ 7.3m
Valeria Lattuada
Lead Independent Director3.83yrs€14.00kno data
Paolo Burlando
Active Statutory Auditor14.83yrs€26.00k0.019%
€ 278.9k
Chiara Damiana Burberi
Independent Non-Executive Director6.92yrs€22.00kno data
Anna Artoni
Independent Non-Executive Director6.92yrs€17.00kno data
Marco Zampetti
Non-Executive Director13.75yrs€19.00k0.040%
€ 597.8k
Matteo Carlo Brabant
Non-Executive Director9.92yrs€20.00kno data
Klaus Gummerer
Independent Non-Executive Director8.33yrs€25.00kno data
Stefano Gnocchi
Chairman of the Board of Statutory Auditors14.83yrsno datano data
G.B. Frangipane
Independent Directorno datano datano data

12.9yrs

Average Tenure

50yo

Average Age

Experienced Board: MOL's board of directors are seasoned and experienced ( 12.9 years average tenure).


Ownership

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 company bio, 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
  • Market Cap: €1.500b
  • Shares outstanding: 37.63m
  • Website: https://www.gruppomol.it

Number of Employees


Location

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

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MOLBIT (Borsa Italiana)YesCommon StockITEURJun 2007
MNLDB (Deutsche Boerse AG)YesCommon StockDEEURJun 2007
0O2BLSE (London Stock Exchange)YesCommon StockGBEURJun 2007
MOLMBATS-CHIXE (BATS 'Chi-X Europe')YesCommon StockGBEURJun 2007

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/03/07 18:56
End of Day Share Price2021/03/05 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.