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Gruppo Mutuionline SpA
(MOL)
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Rating:59Neutral
Price Target:
€36.00
▲(9.09% Upside)
Action:Reiterated
Date:07/02/26
The score is primarily constrained by weaker financial quality (margin compression and higher leverage) and a high P/E multiple, partially offset by strong revenue growth, solid free-cash-flow generation, and constructive technical momentum (price above key moving averages with positive MACD).
Positive Factors
Strong Revenue Momentum
Sustained double-digit revenue acceleration demonstrates structural demand for MOL’s digital intermediation and B2B services. Growing origination volumes and platform adoption support recurring commission and service revenues, enabling scale benefits and multi-period top-line resilience.
Negative Factors
Rising Leverage
A material increase in debt amplifies financial risk and reduces strategic optionality. Higher leverage raises interest cost sensitivity, constrains capital allocation for tech or M&A, and makes the company more vulnerable to shocks in origination volumes or margin pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Momentum
Sustained double-digit revenue acceleration demonstrates structural demand for MOL’s digital intermediation and B2B services. Growing origination volumes and platform adoption support recurring commission and service revenues, enabling scale benefits and multi-period top-line resilience.
Read all positive factors
Gruppo Mutuionline SpA (MOL) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.45B
Dividend Yield0.4%
Average Volume (3M)27.31K
Price to Earnings (P/E)35.9
Beta (1Y)0.70
Revenue Growth50.69%
EPS Growth-8.21%
CountryIT
Employees3,722
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.05
Shares Outstanding40,017,000
10 Day Avg. Volume30,061
30 Day Avg. Volume27,308
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
€59.00Price Target Upside78.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.58
Revenue Forecast (FY)€751.68M
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 | 736.29M | 674.12M | 469.17M | 404.19M | 310.77M | 313.46M |
| Gross Profit | 390.05M | 112.00M | 132.68M | 203.07M | 240.90M | 251.30M |
| EBITDA | 186.52M | 177.42M | 122.80M | 95.88M | 87.97M | 86.04M |
| Net Income | 39.74M | 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 | 191.61M | 191.93M | 137.49M | 150.87M | 274.32M | 165.86M |
| Total Debt | 618.94M | 533.32M | 338.08M | 388.16M | 421.43M | 170.65M |
| Total Liabilities | 921.41M | 937.81M | 644.05M | 621.72M | 616.86M | 347.54M |
| Stockholders Equity | 318.63M | 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 Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | €15.05B | 22.23 | 26.08% | 3.33% | 5.03% | 2.95% | |
71 Outperform | €25.63B | 8.98 | 18.53% | 6.38% | -22.42% | -19.53% | |
71 Outperform | €6.96B | 12.40 | 11.70% | 3.96% | -1.80% | -15.66% | |
70 Outperform | €30.23B | 13.38 | 12.80% | 4.75% | 15.23% | 1.44% | |
63 Neutral | €928.64M | 3.53 | 14.87% | 14.22% | 67.89% | 44.85% | |
59 Neutral | €1.45B | 35.86 | 11.57% | 0.45% | 50.69% | -8.21% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IT:MOL
Gruppo Mutuionline SpA
37.65
-5.23
-12.20%
IT:IF
Banca Ifis SPA
15.26
-5.50
-26.50%
IT:BAMI
Banco BPM S.p.A.
16.98
6.02
54.94%
IT:BPE
BPER Banca S.p.A.
14.58
5.94
68.76%
IT:CE
Credito Emiliano SPA Credem
20.46
7.36
56.22%
IT:FBK
FinecoBank SpA
24.45
6.43
35.67%
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.