Gruppo Mutuionline SpA (IT:MOL)
:MOL
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Gruppo Mutuionline SpA
(MOL)
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Rating:51Neutral
Price Target:
€31.00
▼(-2.36% Downside)
Action:ReiteratedDate:03/19/26
The score is held back primarily by increased leverage and weaker profitability despite strong revenue growth and healthy free cash flow. Technicals are also weak with a clear downtrend, and valuation is stretched due to a high P/E and low dividend yield.
Positive Factors
Sustained Revenue Growth
Consistent double-digit revenue growth across recent years indicates durable demand for MOL’s platforms and services. This trend supports scale benefits, continued partner engagement, and room to invest in product and distribution, underpinning medium-term top-line resilience.
Negative Factors
Rising Leverage
A marked jump in leverage materially increases financial risk, constraining strategic optionality and making the company more sensitive to interest costs or economic downturns. Higher debt can limit M&A flexibility and pressure cash flow allocation for years.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent double-digit revenue growth across recent years indicates durable demand for MOL’s platforms and services. This trend supports scale benefits, continued partner engagement, and room to invest in product and distribution, underpinning medium-term top-line resilience.
Read all positive factors
Gruppo Mutuionline SpA (MOL) vs. iShares MSCI Italy ETF (EWI)
Market Cap
€1.15B
Dividend Yield0.34%
Average Volume (3M)27.31K
Price to Earnings (P/E)―
Beta (1Y)0.59
Revenue Growth37.79%
EPS Growth46.99%
CountryIT
Employees2,957
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.24
Shares Outstanding40,000,000
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
€57.70Price Target Upside81.73% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)2.59
Revenue Forecast (FY)€758.21M
Gruppo Mutuionline SpA Business Overview & Revenue Model
Company Description
Moltiply Group S.p.A., through its subsidiaries, operates comparison platforms, and provides outsourcing services for credit processes, and asset and insurance claims management in Italy. It operates mutuionline.it, a mortgage broker platform, tha...
How the Company Makes Money
MOL primarily makes money through (1) intermediation and distribution fees generated when customers use its online platforms to apply for mortgages and other credit products and the transaction is successfully originated with a partner bank or len...
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 | 544.36M | 674.12M | 469.17M | 404.19M | 310.77M | 313.46M |
| Gross Profit | 264.51M | 112.00M | 132.68M | 203.07M | 240.90M | 251.30M |
| EBITDA | 174.40M | 177.42M | 122.80M | 95.88M | 87.97M | 86.04M |
| Net Income | 43.17M | 28.59M | 41.71M | 34.69M | 46.88M | 16.35M |
Balance Sheet | ||||||
| Total Assets | 1.26B | 1.27B | 939.57M | 951.85M | 889.18M | 616.61M |
| Cash, Cash Equivalents and Short-Term Investments | 155.83M | 191.93M | 137.49M | 150.87M | 274.32M | 165.86M |
| Total Debt | 653.88M | 533.32M | 338.08M | 388.16M | 421.43M | 170.65M |
| Total Liabilities | 893.90M | 937.81M | 644.05M | 621.72M | 616.86M | 347.54M |
| Stockholders Equity | 365.80M | 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 Technical Analysis
Positive
31.75
Price Trends
32.66
Negative
35.09
Negative
39.44
Negative
Market Momentum
-0.44
Negative
50.24
Neutral
61.19
Neutral
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 31.75 is above the 20-day moving average (MA) of 31.21, below the 50-day MA of 32.66, and below the 200-day MA of 39.44, indicating a neutral trend. The MACD of -0.44 indicates Negative momentum. The RSI at 50.24 is Neutral, neither overbought nor oversold. The STOCH value of 61.19 is Neutral, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | €321.41M | 25.56 | 17.55% | ― | -25.72% | -46.30% | |
62 Neutral | €1.34B | 4.76 | 16.33% | 8.44% | -3.63% | -5.12% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
51 Neutral | €1.15B | -37.51 | 13.07% | 0.34% | 37.79% | 46.99% | |
47 Neutral | €396.37M | -300.00 | -12.79% | ― | 22.48% | 69.78% |
* General Sector Average
IT:MOL
Gruppo Mutuionline SpA
31.00
-8.94
-22.39%
IT:BFF
BFF Bank SpA
1.70
-5.52
-76.42%
IT:IF
Banca Ifis SPA
22.30
4.41
24.69%
IT:DOV
doValue S.p.A
2.09
0.56
36.78%
IT:EQUI
Equita Group SpA
5.85
1.96
50.39%
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.