More Pension (MPP) AI Stock Analysis

• Market Cap: 1.54B
• Dividend Yield: 4.52%
• Average Volume (3M): 82.75K
• Price to Earnings (P/E): 24.1
• Beta (1Y): 1.07
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 13.00
• Shares Outstanding: 128,990,650
• 10 Day Avg. Volume: 34,211
• 30 Day Avg. Volume: 82,753
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 1,603.00
• Price Target Upside: 24.07% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: 1,603.00 ▲(24.07% Upside)

The overall stock score is primarily driven by strong technical analysis, indicating bullish momentum and positive investor sentiment. Financial performance is solid, with strong revenue growth and profitability, though cash flow and leverage risks need attention. The valuation suggests the stock may be overvalued, but the attractive dividend yield offers some compensation for investors.

More Pension Business Overview & Revenue Model

Company Description

More Pension (MPP) is a financial services company specializing in retirement planning and pension solutions. The company operates within the financial sector, offering a range of products designed to help individuals and organizations manage their retirement savings effectively. MPP provides personalized pension plans, investment advisory services, and financial education to ensure clients achieve their retirement goals.

How the Company Makes Money

More Pension (MPP) generates revenue primarily through management fees charged for its pension plans and investment advisory services. Clients pay a percentage of their assets under management (AUM) as a fee for the professional management and administration of their retirement funds. Additionally, MPP earns income from offering premium financial education courses and workshops. The company may also form strategic partnerships with investment firms, enabling it to offer a wider range of investment options to its clients, which can contribute to additional revenue through referral fees or shared commissions.

More Pension Financial Statement Overview

Summary

More Pension demonstrates strong revenue growth and profitability, with efficient operations reflected in solid margins. The balance sheet shows improved leverage and strong return on equity, though debt levels remain a concern. Cash flow performance is mixed, with a significant decline in free cash flow growth, highlighting potential liquidity challenges. Overall, the company is on a positive trajectory but must address cash flow and leverage risks to sustain growth.

Income Statement

More Pension has shown consistent revenue growth, with a notable 5.65% increase in the TTM period. The company maintains healthy margins, with a gross profit margin of 34.95% and a net profit margin of 10.19% in the TTM. EBIT and EBITDA margins are also strong, indicating efficient operations. However, the gross profit margin has decreased from previous years, suggesting potential cost pressures.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.71 in the TTM, indicating better leverage management compared to previous years. Return on equity is robust at 23.57%, reflecting effective use of equity capital. The equity ratio stands at 44.67%, showing a solid equity base. However, the company still carries a significant level of debt, which could pose risks if not managed carefully.

Cash Flow

Free cash flow has declined significantly by 55.18% in the TTM, which is a concern. The operating cash flow to net income ratio is 0.30, indicating moderate cash generation relative to net income. The free cash flow to net income ratio is healthy at 0.97, suggesting that most of the net income is converted into free cash flow. Despite these strengths, the decline in free cash flow growth is a risk factor.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	571.38M	515.23M	445.46M	274.76M	135.47M	24.21M
Gross Profit	204.57M	176.00M	223.73M	113.13M	51.16M	1.28M
EBITDA	111.38M	91.18M	73.77M	17.73M	1.71M	-13.91M
Net Income	63.57M	49.57M	39.30M	7.70M	-1.15M	-11.50M
Balance Sheet
Total Assets	523.36M	503.45M	505.75M	513.06M	232.99M	66.66M
Cash, Cash Equivalents and Short-Term Investments	105.38M	31.40M	181.08M	153.80M	80.54M	9.85M
Total Debt	169.24M	187.16M	201.65M	201.56M	111.51M	22.00M
Total Liabilities	289.57M	281.31M	270.44M	317.35M	187.19M	57.01M
Stockholders Equity	233.79M	222.14M	235.31M	195.71M	45.80M	9.66M
Cash Flow
Free Cash Flow	16.02M	23.89M	-54.26M	-78.61M	-50.74M	-27.68M
Operating Cash Flow	16.89M	25.88M	-48.13M	-72.00M	-45.59M	-26.98M
Investing Cash Flow	41.01M	36.61M	-56.48M	-85.46M	-5.52M	-700.00K
Financing Cash Flow	-74.42M	-79.29M	-983.00K	230.72M	121.81M	31.01M

More Pension Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1292.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MPP, the sentiment is Positive. The current price of 1292 is above the 20-day moving average (MA) of 1282.05, below the 50-day MA of 1318.70, and above the 200-day MA of 924.99, indicating a neutral trend. The MACD of -25.40 indicates Positive momentum. The RSI at 51.65 is Neutral, neither overbought nor oversold. The STOCH value of 64.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MPP.

More Pension Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALTF	79 Outperform	1.54B	13.68	20.59%	5.45%	-2.08%	-9.74%
MRIN	74 Outperform	2.99B	25.26	35.16%	3.82%	29.08%	74.72%
MPP	73 Outperform	1.54B	24.12	―	4.52%	―	―
GNRS	64 Neutral	1.35B	9.51	4.10%	2.15%	―	―
MISH	56 Neutral	2.43B	34.31	4.28%	1.77%	27.31%	-49.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%