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Gruppo Mutuionline SpA
(MOL)
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Rating:52Neutral
Price Target:
€31.00
▼(-16.67% Downside)
Action:Reiterated
Date:09/24/26
The score is driven primarily by mixed financial performance: strong growth and cash generation are offset by weaker profitability and higher leverage. Technical signals are bearish with the stock trading below major moving averages, and valuation appears only modestly supported given a ~25.9 P/E and low dividend yield.
Positive Factors
Strong Revenue Growth
Sustained high revenue growth indicates strong demand for MOL’s intermediation, distribution, and B2B services. Continued expansion in customer applications and financial-institution activity can improve operating scale, reinforce partner relevance, and support further business development over the next several quarters.
Negative Factors
Higher Financial Leverage
The sharp increase in debt relative to equity reduces balance-sheet flexibility and raises the financial demands on future cash generation. Higher leverage can constrain capital allocation, increase exposure to refinancing needs, and make the business less resilient if credit volumes or earnings weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Sustained high revenue growth indicates strong demand for MOL’s intermediation, distribution, and B2B services. Continued expansion in customer applications and financial-institution activity can improve operating scale, reinforce partner relevance, and support further business development over the next several quarters.
Read all positive factors
Gruppo Mutuionline SpA (MOL) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.09B
Dividend Yield0.51%
Average Volume (3M)74.43K
Price to Earnings (P/E)25.5
Beta (1Y)0.66
Revenue Growth32.41%
EPS Growth1.77%
CountryIT
Employees3,722
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.18
Shares Outstanding40,017,000
10 Day Avg. Volume90,811
30 Day Avg. Volume74,426
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
€55.00Price Target Upside47.85% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.58
Revenue Forecast (FY)€758.46M
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 generates revenue primarily by facilitating the origination and distribution of financial products and by providing services to financial institutions. Key revenue streams include: (1) Intermediation and distribution fees/commissions: When a c...
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 | 723.85M | 674.12M | 469.17M | 404.19M | 310.77M | 313.46M |
| Gross Profit | 306.72M | 112.00M | 132.68M | 203.07M | 240.90M | 251.30M |
| EBITDA | 188.90M | 177.42M | 122.80M | 95.88M | 87.97M | 86.04M |
| Net Income | 44.14M | 28.59M | 41.71M | 34.69M | 46.88M | 16.35M |
Balance Sheet | ||||||
| Total Assets | 1.24B | 1.27B | 939.57M | 951.85M | 889.18M | 616.61M |
| Cash, Cash Equivalents and Short-Term Investments | 174.23M | 191.93M | 137.49M | 150.87M | 274.32M | 165.86M |
| Total Debt | 540.66M | 533.32M | 338.08M | 388.16M | 421.43M | 170.65M |
| Total Liabilities | 901.18M | 937.81M | 644.05M | 621.72M | 616.86M | 347.54M |
| Stockholders Equity | 335.93M | 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
Negative
37.20
Price Trends
35.78
Negative
34.99
Negative
34.40
Negative
Market Momentum
-1.84
Positive
26.81
Positive
12.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:MOL, the sentiment is Negative. The current price of 37.2 is above the 20-day moving average (MA) of 33.92, above the 50-day MA of 35.78, and above the 200-day MA of 34.40, indicating a bearish trend. The MACD of -1.84 indicates Positive momentum. The RSI at 26.81 is Positive, neither overbought nor oversold. The STOCH value of 12.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | €13.46B | 19.97 | 26.70% | 3.59% | 5.03% | 2.95% | |
79 Outperform | €7.26B | 12.90 | 12.18% | 3.51% | -1.80% | -15.66% | |
70 Outperform | €29.85B | 13.11 | 13.80% | 4.66% | 15.23% | 1.44% | |
69 Neutral | €24.57B | 8.60 | 14.34% | 6.15% | -4.14% | -19.23% | |
59 Neutral | €718.19M | 3.20 | 11.48% | 17.80% | 67.89% | 44.85% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | €1.09B | 25.47 | 13.14% | 0.51% | 32.41% | 1.77% |
* General Sector Average
IT:MOL
Gruppo Mutuionline SpA
29.70
-11.14
-27.28%
IT:IF
Banca Ifis SPA
11.63
-8.97
-43.54%
IT:BAMI
Banco BPM S.p.A.
15.92
3.99
33.48%
IT:BPE
BPER Banca S.p.A.
14.15
5.06
55.74%
IT:CE
Credito Emiliano SPA Credem
21.38
8.30
63.48%
IT:FBK
FinecoBank SpA
22.13
4.49
25.45%
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.