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Gruppo Mutuionline SpA (IT:MOL)
:MOL

Gruppo Mutuionline SpA (MOL) AI Stock Analysis

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Gruppo Mutuionline SpA

(LSE:MOL)

Rating:54Neutral
Price Target:
€45.00
▲(1.12%Upside)
Gruppo Mutuionline SpA's stock score is primarily supported by its strong financial performance, which underscores its operational efficiency and financial stability. However, technical indicators suggest the stock is currently oversold, and valuation metrics indicate potential overvaluation. The absence of recent earnings call data or notable corporate events limits additional insights.
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.
Earnings
1Q25 results beat estimates in all KPIs, with revenues rising by 25.3% yoy, driven by both divisions.
Market Position
MOL's strong leadership position in Italy allowed the company to capitalize on improving market dynamics.
Negative Factors
E-Commerce
Expectations for Mavriq Division for the coming months are for growth in every business line (except for E-Commerce) and for a continuation of the 1Q25 trend in 2Q25.
Sector Decline
Non-mortgage business lines also delivered strong performance, more than compensating for the anticipated declines in certain sectors.

Gruppo Mutuionline SpA (MOL) vs. iShares MSCI Italy ETF (EWI)

Gruppo Mutuionline SpA Business Overview & Revenue Model

Company DescriptionGruppo Mutuionline SpA (MOL) is an Italian company that operates in the financial services sector, primarily focusing on the provision of online comparison, brokering, and technology services. The company's core services include online mortgage brokering, insurance brokering, and e-commerce price comparison. Gruppo Mutuionline SpA is recognized for leveraging its technological platforms to facilitate easier and more efficient financial product comparisons for consumers, thus enhancing transparency in the financial services market.
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
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.
Income Statement
78
Positive
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
82
Very Positive
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
75
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue469.17M404.19M310.77M313.46M259.74M
Gross Profit132.68M203.07M240.90M248.63M204.03M
EBITDA122.80M95.88M91.97M87.91M73.89M
Net Income41.71M34.69M46.88M16.35M128.45M
Balance Sheet
Total Assets939.57M951.85M889.18M616.61M625.59M
Cash, Cash Equivalents and Short-Term Investments137.49M150.10M274.32M165.86M122.37M
Total Debt338.08M388.16M414.85M170.65M131.04M
Total Liabilities644.05M621.72M616.86M347.54M388.76M
Stockholders Equity291.74M327.53M270.32M264.40M233.26M
Cash Flow
Free Cash Flow97.18M86.98M58.23M-1.00M103.65M
Operating Cash Flow101.47M93.50M61.99M1.39M106.99M
Investing Cash Flow-40.32M-148.11M-159.30M11.14M-35.66M
Financing Cash Flow-73.76M-56.94M199.11M26.45M16.47M

Gruppo Mutuionline SpA Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price44.50
Price Trends
50DMA
46.71
Negative
100DMA
42.13
Positive
200DMA
38.89
Positive
Market Momentum
MACD
-0.66
Positive
RSI
43.24
Neutral
STOCH
20.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IT:MOL, the sentiment is Neutral. The current price of 44.5 is below the 20-day moving average (MA) of 46.95, below the 50-day MA of 46.71, and above the 200-day MA of 38.89, indicating a neutral trend. The MACD of -0.66 indicates Positive momentum. The RSI at 43.24 is Neutral, neither overbought nor oversold. The STOCH value of 20.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IT:MOL.

Gruppo Mutuionline SpA Peers Comparison

Overall Rating
UnderperformOutperform
Sector (69)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
ITDOV
74
Outperform
€468.65M7.206.61%8.70%
69
Neutral
€16.10B12.4214.11%5.49%7.05%0.17%
ITISP
61
Neutral
€87.36B9.8813.56%6.10%6.32%17.08%
59
Neutral
€327.65M4.92-7.32%6.76%3.28%-136.95%
ITMOL
54
Neutral
€1.68B40.1214.13%0.27%15.32%16.54%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:MOL
Gruppo Mutuionline SpA
44.50
7.90
21.58%
IT:DOV
doValue S.p.A
2.45
-1.00
-29.00%
IT:ISP
Intesa Sanpaolo SpA
4.87
1.58
47.83%
IT:ILTY
illimity Bank SpA
3.87
-1.18
-23.33%
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.Date of analysis: Jun 26, 2025