Gruppo Mutuionline SpA (IT:MOL)
:MOL
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Gruppo Mutuionline SpA
(MOL)
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Rating:51Neutral
Price Target:
€36.00
▲(1.27% Upside)
Action:Reiterated
Date:05/16/26
The score is primarily driven by mixed financials: strong top-line growth and decent cash generation are offset by a sharp net profitability step-down and increased leverage. Technicals add downside pressure with the stock trading below all major moving averages, while valuation is constrained by a negative P/E and a low dividend yield.
Positive Factors
Digital intermediation & B2B services
Gruppo MutuiOnline’s dual model—consumer-facing digital mortgage intermediation plus recurring B2B technology and outsourcing—creates diversified, structurally recurring revenue streams. This mix supports resilience and scale advantages versus single-product rivals over the medium term.
Negative Factors
Rising leverage
A material jump in total debt and leverage reduces financial flexibility and raises refinancing and covenant risk. Higher interest obligations constrain capital allocation, increasing vulnerability to cyclical slowdowns in mortgage origination over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Digital intermediation & B2B services
Gruppo MutuiOnline’s dual model—consumer-facing digital mortgage intermediation plus recurring B2B technology and outsourcing—creates diversified, structurally recurring revenue streams. This mix supports resilience and scale advantages versus single-product rivals over the medium term.
Read all positive factors
Gruppo Mutuionline SpA (MOL) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.32B
Dividend Yield0.34%
Average Volume (3M)27.31K
Price to Earnings (P/E)34.1
Beta (1Y)0.66
Revenue Growth50.69%
EPS Growth-8.21%
CountryIT
Employees2,957
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.14
Shares Outstanding40,000,000
10 Day Avg. Volume30,061
30 Day Avg. Volume27,308
Financial Highlights & Ratios
PEG Ratio-1.43
Price to Book (P/B)3.98
Price to Sales (P/S)1.96
P/FCF Ratio13.13
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€57.70Price Target Upside62.31% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)2.58
Revenue Forecast (FY)€751.26M
Gruppo Mutuionline SpA Business Overview & Revenue Model
Company Description
Moltiply Group S.p.A., originally established in Milan, Italy, in 2000 under the name Gruppo MutuiOnline S.p.A. until its May 2024 rebranding, specializes in digital comparison services and business-to-business support. The company's operations en...
How the Company Makes Money
MOL primarily makes money through (1) intermediation and distribution fees generated when customers use its online platforms to apply for mortgages and other credit products and the transaction is successfully originated with a partner bank or len...
Gruppo Mutuionline SpA Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
45
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 544.36M | 674.12M | 469.17M | 404.19M | 310.77M | 313.46M |
| Gross Profit | 264.51M | 112.00M | 132.68M | 203.07M | 240.90M | 251.30M |
| EBITDA | 174.40M | 177.42M | 122.80M | 95.88M | 87.97M | 86.04M |
| Net Income | 43.17M | 28.59M | 41.71M | 34.69M | 46.88M | 16.35M |
Balance Sheet | ||||||
| Total Assets | 1.26B | 1.27B | 939.57M | 951.85M | 889.18M | 616.61M |
| Cash, Cash Equivalents and Short-Term Investments | 155.83M | 191.93M | 137.49M | 150.87M | 274.32M | 165.86M |
| Total Debt | 653.88M | 533.32M | 338.08M | 388.16M | 421.43M | 170.65M |
| Total Liabilities | 893.90M | 937.81M | 644.05M | 621.72M | 616.86M | 347.54M |
| Stockholders Equity | 365.80M | 332.49M | 291.74M | 327.53M | 270.32M | 264.40M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 100.75M | 97.18M | 86.98M | 58.23M | -1.00M |
| Operating Cash Flow | 0.00 | 110.30M | 101.47M | 93.50M | 61.99M | 1.39M |
| Investing Cash Flow | 0.00 | -323.13M | -40.32M | -148.11M | -159.30M | 11.14M |
| Financing Cash Flow | 0.00 | 215.22M | -73.76M | -56.94M | 199.11M | 26.45M |
Gruppo Mutuionline SpA Technical Analysis
Positive
35.55
Price Trends
33.47
Positive
33.27
Positive
36.98
Negative
Market Momentum
0.39
Negative
60.97
Neutral
78.15
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:MOL, the sentiment is Positive. The current price of 35.55 is above the 20-day moving average (MA) of 32.52, above the 50-day MA of 33.47, and below the 200-day MA of 36.98, indicating a neutral trend. The MACD of 0.39 indicates Negative momentum. The RSI at 60.97 is Neutral, neither overbought nor oversold. The STOCH value of 78.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IT:MOL.
Gruppo Mutuionline SpA Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | €537.94M | 6.54 | 17.55% | ― | -27.34% | -60.48% | |
62 Neutral | €1.29B | 4.24 | 16.33% | 8.44% | 43.89% | 87.90% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
51 Neutral | €1.32B | 34.07 | 13.07% | 0.34% | 50.69% | -8.21% | |
46 Neutral | €449.10M | -26.68 | -12.79% | ― | 6.28% | -127.13% |
* General Sector Average
IT:MOL
Gruppo Mutuionline SpA
35.90
-12.12
-25.24%
IT:BFF
BFF Bank SpA
2.92
-5.87
-66.76%
IT:IF
Banca Ifis SPA
21.66
1.92
9.72%
IT:DOV
doValue S.p.A
2.46
0.36
17.37%
IT:EQUI
Equita Group SpA
5.70
1.59
38.72%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.