Gruppo Mutuionline SpA (MOL) AI Stock Analysis

• Market Cap: €1.65B
• Dividend Yield: 0.27%
• Average Volume (3M): 27.31K
• Price to Earnings (P/E): 38.9
• Beta (1Y): 0.64
• Revenue Growth: 27.93%
• EPS Growth: 19.46%
• Country: IT
• Employees: 2,957
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.25
• Shares Outstanding: 40,000,000
• 10 Day Avg. Volume: 30,061
• 30 Day Avg. Volume: 27,308
• PEG Ratio: 1.69
• Price to Book (P/B): 4.69
• Price to Sales (P/S): 2.92
• P/FCF Ratio: 14.08
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €55.77
• Price Target Upside: 25.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 60 Neutral
• Price Target: €45.00 ▲(1.58% Upside)

Gruppo Mutuionline SpA's overall stock score is driven primarily by its strong financial performance, which is the most significant factor. However, the technical analysis indicates a neutral to slightly bearish trend, and the valuation suggests the stock is overvalued, which negatively impacts the overall score. The absence of earnings call data and corporate events means these components do not influence the score.

Positive Factors

Revenue Growth

Strong revenue growth indicates effective market penetration and product demand, supporting long-term business expansion and stability.

Cash Flow Generation

Positive free cash flow growth ensures the company can fund operations and investments without relying heavily on external financing.

Operational Efficiency

Improved margins reflect efficient operational management, enhancing profitability and competitive positioning in the market.

Negative Factors

Gross Profit Margin Decline

A declining gross profit margin may indicate rising costs or pricing pressures, potentially impacting future profitability if not addressed.

Net Profit Margin Volatility

Volatile net profit margins can signal inconsistent cost management or revenue fluctuations, affecting predictability of earnings.

Fluctuations in Cash Flows

Volatility in cash flows from investing and financing activities may indicate challenges in capital allocation and financial planning.

Gruppo Mutuionline SpA Business Overview & Revenue Model

Company Description

Gruppo Mutuionline SpA (MOL) is an Italian financial services company specializing in online brokerage and the distribution of financial products, primarily focusing on mortgages, insurance, and personal loans. Established in 2000, the company operates through various platforms, offering consumers a user-friendly interface for comparing and purchasing financial products. MOL leverages its extensive database and technology to facilitate transactions and provide tailored financial solutions to its clients.

How the Company Makes Money

Gruppo Mutuionline SpA generates revenue primarily through commissions and fees associated with the brokerage of financial products. The company earns money by acting as an intermediary between consumers and financial institutions, receiving a commission for each mortgage or loan facilitated through its platform. Additionally, MOL generates income from advertising and promotional partnerships with banks and insurance companies, where it receives fees for leads or successful transactions. The company's reliance on digital platforms allows it to reach a wide audience, enhancing its ability to generate revenue from high-volume transactions in the financial sector.

Gruppo Mutuionline SpA Financial Statement Overview

Summary

Gruppo Mutuionline SpA demonstrates strong financial health with consistent revenue and profit growth, efficient operational management, and solid cash flow generation. The company maintains a robust balance sheet with a healthy equity position and manageable debt levels. While there are some fluctuations in cash flow activities, overall financial stability is strong.

Income Statement

The company shows consistent revenue growth with a notable increase from 2023 to 2024. Gross profit margin remains robust, although it has slightly decreased from previous years. Net profit margin is healthy but shows some volatility over the years. EBIT and EBITDA margins have improved, indicating efficient operational management.

Balance Sheet

The balance sheet reflects a strong equity position with a stable debt-to-equity ratio. The equity ratio indicates solid shareholder equity support. ROE is commendable, showing effective utilization of equity to generate profits. Overall, the balance sheet is healthy with a good balance between assets, liabilities, and equity.

Cash Flow

The cash flow statement shows positive free cash flow growth, with free cash flow consistently outpacing net income, indicating good cash generation. Operating cash flow has been stable, supporting the company's operational needs. However, fluctuations in investing and financing cash flows suggest some volatility in external financing activities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	480.44M	469.17M	404.19M	310.77M	313.46M	259.74M
Gross Profit	183.37M	132.68M	203.07M	240.90M	248.63M	204.03M
EBITDA	163.35M	122.80M	95.88M	91.97M	87.91M	73.89M
Net Income	42.68M	41.71M	34.69M	46.88M	16.35M	128.45M
Balance Sheet
Total Assets	1.20B	939.57M	951.85M	889.18M	616.61M	625.59M
Cash, Cash Equivalents and Short-Term Investments	126.36M	137.49M	150.10M	269.65M	165.86M	122.37M
Total Debt	641.51M	338.08M	388.16M	421.43M	170.65M	199.74M
Total Liabilities	887.38M	644.05M	621.72M	616.86M	347.54M	388.76M
Stockholders Equity	306.83M	291.74M	327.53M	270.32M	264.40M	233.26M
Cash Flow
Free Cash Flow	0.00	97.18M	86.98M	58.23M	-1.00M	103.65M
Operating Cash Flow	0.00	101.47M	93.50M	61.99M	1.39M	106.99M
Investing Cash Flow	0.00	-40.32M	-148.11M	-159.30M	11.14M	-35.66M
Financing Cash Flow	0.00	-73.76M	-56.94M	199.11M	26.45M	16.47M

Gruppo Mutuionline SpA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 44.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 44.3 is above the 20-day moving average (MA) of 42.17, above the 50-day MA of 43.26, and above the 200-day MA of 42.09, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 58.79 is Neutral, neither overbought nor oversold. The STOCH value of 93.11 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IF	68 Neutral	€1.33B	7.50	8.85%	9.61%	-3.63%	-5.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BFF	64 Neutral	€1.94B	15.59	17.05%	―	-23.49%	-52.00%
MOL	60 Neutral	€1.65B	38.88	13.07%	0.27%	27.93%	19.46%
ILTY	59 Neutral	―	―	―	―	―	―
DOV	47 Neutral	€514.15M	-14.97	-13.55%	―	15.53%	-35.02%