More Pension (MPP) AI Stock Analysis

• Market Cap: 1.44B
• Dividend Yield: 3.96%
• Average Volume (3M): 76.87K
• Price to Earnings (P/E): 25.9
• Beta (1Y): 0.88
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 151
• Sector: Financial
• Sector Strength: 79
• Industry: Asset Management
• EPS (TTM): 13.70
• Shares Outstanding: 128,780,820
• 10 Day Avg. Volume: 132,377
• 30 Day Avg. Volume: 76,867
• PEG Ratio: -0.11
• Price to Book (P/B): 3.37
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -8.39
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: 1,204.00 ▲(33.64%Upside)

More Pension's stock presents a solid financial performance with robust growth and improved profitability metrics. The stock shows strong upward momentum, but technical indicators caution on overbought conditions. High valuation is counterbalanced by a decent dividend yield, offering a mixed outlook for investors.

More Pension Business Overview & Revenue Model

Company Description

More Pension (MPP) is a financial services company specializing in retirement planning and pension management. The company operates within the financial sector, providing a range of products and services aimed at helping individuals and businesses manage their retirement savings. Core offerings include pension fund management, retirement planning advice, and investment solutions tailored to the needs of different demographics and sectors.

How the Company Makes Money

More Pension (MPP) generates revenue through multiple streams, primarily through management fees charged on assets under management (AUM) in pension funds. These fees are typically a percentage of the total assets managed by the company. Additionally, MPP offers advisory services for retirement planning, earning fees for personalized financial advice provided to clients. The company may also generate revenue through partnerships with employers and financial institutions, offering tailored pension solutions that align with corporate employee benefits programs. MPP's earnings are further enhanced by investment performance fees, where the company earns additional income based on the successful management and growth of pension assets.

More Pension Financial Statement Overview

Summary

More Pension has shown robust growth and improved profitability metrics over recent years, with significant revenue increases and better profit margins. The balance sheet remains stable with a balanced debt-to-equity structure, though high liabilities warrant attention. Improving cash flow generation highlights better financial health, yet sustaining these improvements will be crucial for long-term stability.

Income Statement

More Pension has demonstrated strong revenue growth over recent years, with a significant increase from $24.2M in 2020 to $515.2M in 2024. The gross profit margin improved to 34.2% in 2024, reflecting better cost management. Net profit margin also improved to 9.6% in 2024, indicating increased profitability. However, the EBIT margin of 14.0% and EBITDA margin of 17.7% suggest room for operational efficiency improvements.

Balance Sheet

The company's balance sheet shows a moderate debt-to-equity ratio, reflecting a balanced capital structure. The equity ratio stands at 44.1%, indicating a stable level of equity financing. Return on equity improved to 22.3% in 2024, showcasing effective use of equity capital. However, high total liabilities of $281.3M could pose a risk if not managed carefully.

Cash Flow

Operating cash flow turned positive in 2024 at $25.9M, reflecting improved cash generation from core activities. Free cash flow also improved to $23.9M, indicating better cash management. The operating cash flow to net income ratio and free cash flow to net income ratio have improved but remain areas to watch for sustaining cash flow health.

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

More Pension Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 900.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 900.9 is above the 20-day moving average (MA) of 898.04, above the 50-day MA of 817.18, and above the 200-day MA of 711.65, indicating a bullish trend. The MACD of 65.00 indicates Negative momentum. The RSI at 84.63 is Negative, neither overbought nor oversold. The STOCH value of 77.11 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
PHOE	74 Outperform	24.47B	11.38		3.75%	-11.69%	105.99%
MPP	69 Neutral	1.44B	25.93		3.96%	―	―
Sector *	67 Neutral	$16.85B	11.65	9.71%	3.90%	11.61%	-9.60%