Education
About Us
Working with TipRanks
Follow Us
Gruppo Mutuionline SpA (IT:MOL)
:MOL
Top Page
Gruppo Mutuionline SpA
(LSE:MOL)
71Outperform
Positive Factors
Acquisitions
The acquisition of the German online comparison platform Verivox boosts growth prospects and positions the company as a dominant player in Europe.
Expansion Strategy
The recent expansion strategy abroad, including acquisitions in Germany, France, Spain, and the Netherlands, accelerates the company's growth potential, aiming to become a European leader in online comparison.
Financial Performance
3Q24 revenues were up 12.9% yoy at EUR 106.9M, better than our estimates and driven by both divisions.
Negative Factors
Regulatory Impact
The potential impact of the Web Tax in Italy could range from €1mn to €5mn, affecting approximately 1% to 6% of 2025E Net income adj.
Gruppo Mutuionline SpA (MOL) vs. S&P 500 (SPY)
Market Cap
€1.67B
Dividend Yield0.26%
Average Volume (3M)24.82K
Price to Earnings (P/E)40.4
Beta (1Y)0.74
Revenue Growth12.32%
EPS Growth19.12%
CountryIT
Employees2,957
SectorFinancial
Sector Strength83
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.10
Shares Outstanding40,000,000
10 Day Avg. Volume17,597
30 Day Avg. Volume24,815
Financial Highlights & Ratios
PEG Ratio2.11
Price to Book (P/B)N/A
Price to Sales (P/S)0.00
Price to Cash Flow (P/CF)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€50.53Price Target Upside12.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
Gruppo Mutuionline SpA Business Overview & Revenue Model
Company DescriptionMoltiply Group S.p.A., through its subsidiaries, operates comparison platforms, and provides outsourcing services for credit processes, and asset and insurance claims management in Italy. It operates mutuionline.it, a mortgage broker platform, that distributes home loans, as well as provides remortgages, mortgage insurances, and home mortgages; prestitionline.it, a platform that offers personal loans and online funding; and Money360, a credit broker platform for house purchase mortgages, remortgages, personal and employee loans, and credit insurance. The company also operates comparison platforms comprising segugio.it, for insurance products, mortgages, loans, and current and deposit accounts, as well as internet, gas, and electricity offers; rastreator.com, for comparing insurance products, such as motor, health, home, etc., as well as financial products and utilities; lelynx.fr, for car and motorcycle, home, and health insurance products; rastreator.mx, for insurance, financial, telephony, and utilities; and cercassicurazioni.it, for car, motorcycle, truck, and moped insurance products. In addition, it operates sostariffe.it, a website for the comparison of home internet offers, gas and electricity rates, pay TV rates, accounts, mobile phone networks, and mobile internet; fondionline.it, an online comparison platform for investment funds, Sicav, and pension funds; confrontaconti.it, an online comparison platform for deposit and current accounts; trovaprezzi.it, an online price comparison platform to find the cheapest offers; notai.it, a site for searching notaries online; and trovabanche.it, a website for searching bank branches and agencies. The company was formerly known as Gruppo MutuiOnline S.p.A. and changed its name to Moltiply Group S.p.A. in May 2024. Moltiply Group S.p.A. was founded in 2000 and is based in Milan, Italy.
How the Company Makes MoneyGruppo Mutuionline SpA generates revenue through several key streams. Primarily, the company earns money by providing brokerage services for mortgages and insurance products, where it receives commissions from financial institutions and insurance companies for each successful referral or transaction completed via its platforms. Additionally, the company operates comparison websites that allow consumers to compare prices and terms for various financial products, earning revenue through advertising and lead generation fees. Gruppo Mutuionline SpA also provides BPO (Business Process Outsourcing) services to banks and insurance companies, offering them technology solutions and back-office support, which contributes significantly to its revenue. The firm's strategic partnerships with banks, insurance providers, and e-commerce platforms enhance its market reach and are crucial in driving its business growth.
Gruppo Mutuionline SpA Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 469.17M | 404.19M | 310.77M | 313.46M | 259.74M | Gross Profit |
| 132.68M | 203.07M | 240.90M | 248.63M | 204.03M | EBIT |
| 73.44M | 53.38M | 66.54M | 68.96M | 63.09M | EBITDA |
| 122.80M | 95.88M | 91.97M | 87.91M | 73.89M | Net Income Common Stockholders |
| 41.71M | 34.69M | 46.88M | 16.35M | 128.45M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 137.49M | 150.10M | 274.32M | 165.86M | 122.37M | Total Assets |
| 939.57M | 951.85M | 889.18M | 616.61M | 625.59M | Total Debt |
| 457.96M | 388.16M | 414.85M | 170.65M | 131.04M | Net Debt |
| 320.48M | 238.07M | 145.20M | 4.79M | 8.67M | Total Liabilities |
| 644.05M | 621.72M | 616.86M | 347.54M | 388.76M | Stockholders Equity |
| 291.74M | 327.53M | 270.32M | 264.40M | 233.26M |
| Cash Flow | Free Cash Flow | |||
| 97.18M | 86.98M | 58.23M | -1.00M | 103.65M | Operating Cash Flow |
| 101.47M | 93.50M | 61.99M | 1.39M | 106.99M | Investing Cash Flow |
| -40.32M | -148.11M | -159.30M | 11.14M | -35.66M | Financing Cash Flow |
| -73.76M | -56.94M | 199.11M | 26.45M | 16.47M |
Gruppo Mutuionline SpA Technical Analysis
Positive
44.80
Price Trends
38.82
Positive
38.00
Positive
36.43
Positive
Market Momentum
1.61
Negative
64.56
Neutral
88.87
Negative
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 44.8 is above the 20-day moving average (MA) of 41.27, above the 50-day MA of 38.82, and above the 200-day MA of 36.43, indicating a bullish trend. The MACD of 1.61 indicates Negative momentum. The RSI at 64.56 is Neutral, neither overbought nor oversold. The STOCH value of 88.87 is Negative, 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
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | €1.67B | 40.42 | 13.76% | 0.26% | 12.32% | 19.12% | |
65 Neutral | €342.39M | 9.78 | 1.49% | ― | -0.32% | ― | |
64 Neutral | $12.51B | 9.81 | 7.92% | 16985.69% | 12.67% | -5.98% | |
61 Neutral | €84.61B | 9.98 | 13.42% | 6.86% | 6.32% | 17.08% | |
59 Neutral | €300.27M | 4.92 | -6.24% | 7.15% | 3.28% | -136.95% |
* Financial Sector Average
Performance Comparison
IT:MOL
Gruppo Mutuionline SpA
44.40
7.52
20.39%
IT:DOV
doValue S.p.A
1.85
-1.63
-46.86%
IT:ISP
Intesa Sanpaolo SpA
4.81
1.53
46.48%
IT:ILTY
illimity Bank SpA
3.61
-1.46
-28.83%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.