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Gruppo Mutuionline SpA (IT:MOL)
:MOL
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Gruppo Mutuionline SpA (MOL) AI Stock Analysis

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IT:MOL

Gruppo Mutuionline SpA

(LSE:MOL)

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Outperform 70 (OpenAI - 4o)
Rating:70Outperform
Price Target:
€48.00
▲(10.22% Upside)
Gruppo Mutuionline SpA's strong financial performance is the primary driver of its stock score, reflecting robust revenue and profit growth, efficient management, and solid cash flow. Technical analysis indicates a neutral to slightly bearish trend, while the valuation suggests the stock is relatively expensive with a low dividend yield. The absence of earnings call data and corporate events did not impact the score.
Positive Factors
Revenue Growth
Gruppo Mutuionline SpA demonstrates strong revenue growth, indicating successful market expansion and increased demand for its financial services.
Cash Generation
The company's ability to generate cash efficiently supports operational needs and provides flexibility for future investments and debt management.
Balance Sheet Health
A robust balance sheet with a healthy equity position and manageable debt levels ensures financial stability and resilience against economic fluctuations.
Negative Factors
Gross Profit Margin Decline
A slight decline in gross profit margin could indicate rising costs or pricing pressures, potentially impacting profitability if the trend continues.
Net Profit Margin Volatility
Volatility in net profit margins suggests potential challenges in maintaining consistent profitability, which could affect investor confidence and long-term growth.
Investing and Financing Cash Flow Volatility
Volatile cash flows from investing and financing activities may indicate uncertainty in strategic investments and funding, impacting future growth and stability.

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

Gruppo Mutuionline SpA Business Overview & Revenue Model

Company DescriptionMoltiply 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, that distributes home loans, as well as provides remortgages, mortgage insurances, and home mortgages; prestitionline.it, a platform that offers personal loans and online funding; and Money360, a credit broker platform for house purchase mortgages, remortgages, personal and employee loans, and credit insurance. The company also operates comparison platforms comprising segugio.it, for insurance products, mortgages, loans, and current and deposit accounts, as well as internet, gas, and electricity offers; rastreator.com, for comparing insurance products, such as motor, health, home, etc., as well as financial products and utilities; lelynx.fr, for car and motorcycle, home, and health insurance products; rastreator.mx, for insurance, financial, telephony, and utilities; and cercassicurazioni.it, for car, motorcycle, truck, and moped insurance products. In addition, it operates sostariffe.it, a website for the comparison of home internet offers, gas and electricity rates, pay TV rates, accounts, mobile phone networks, and mobile internet; fondionline.it, an online comparison platform for investment funds, Sicav, and pension funds; confrontaconti.it, an online comparison platform for deposit and current accounts; trovaprezzi.it, an online price comparison platform to find the cheapest offers; notai.it, a site for searching notaries online; and trovabanche.it, a website for searching bank branches and agencies. The company was formerly known as Gruppo MutuiOnline S.p.A. and changed its name to Moltiply Group S.p.A. in May 2024. Moltiply Group S.p.A. was founded in 2000 and is based in Milan, Italy.
How the Company Makes MoneyGruppo Mutuionline SpA generates revenue primarily through commissions and fees associated with the brokerage of financial products. The company earns money by acting as an intermediary between consumers and financial institutions, receiving a commission for each mortgage or loan facilitated through its platform. Additionally, MOL generates income from advertising and promotional partnerships with banks and insurance companies, where it receives fees for leads or successful transactions. The company's reliance on digital platforms allows it to reach a wide audience, enhancing its ability to generate revenue from high-volume transactions in the financial sector.

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. While there are some fluctuations in cash flow activities, overall financial stability is strong.
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue480.44M469.17M404.19M310.77M313.46M259.74M
Gross Profit183.37M132.68M203.07M240.90M248.63M204.03M
EBITDA163.35M122.80M95.88M91.97M87.91M73.89M
Net Income42.68M41.71M34.69M46.88M16.35M128.45M
Balance Sheet
Total Assets1.20B939.57M951.85M889.18M616.61M625.59M
Cash, Cash Equivalents and Short-Term Investments126.36M137.49M150.10M269.65M165.86M122.37M
Total Debt641.51M338.08M388.16M421.43M170.65M199.74M
Total Liabilities887.38M644.05M621.72M616.86M347.54M388.76M
Stockholders Equity306.83M291.74M327.53M270.32M264.40M233.26M
Cash Flow
Free Cash Flow0.0097.18M86.98M58.23M-1.00M103.65M
Operating Cash Flow0.00101.47M93.50M61.99M1.39M106.99M
Investing Cash Flow0.00-40.32M-148.11M-159.30M11.14M-35.66M
Financing Cash Flow0.00-73.76M-56.94M199.11M26.45M16.47M

Gruppo Mutuionline SpA Technical Analysis

Technical Analysis Sentiment
Positive
Last Price43.55
Price Trends
50DMA
43.48
Positive
100DMA
44.90
Negative
200DMA
41.72
Positive
Market Momentum
MACD
-0.52
Negative
RSI
55.37
Neutral
STOCH
55.13
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 43.55 is above the 20-day moving average (MA) of 42.15, above the 50-day MA of 43.48, and above the 200-day MA of 41.72, indicating a bullish trend. The MACD of -0.52 indicates Negative momentum. The RSI at 55.37 is Neutral, neither overbought nor oversold. The STOCH value of 55.13 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
€2.03B16.0517.05%11.78%-23.49%-52.00%
70
Outperform
€1.56B36.6413.07%0.28%27.93%19.46%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
€1.35B7.628.85%9.46%-3.63%-5.12%
59
Neutral
59
Neutral
€579.37M7.82-13.55%15.53%-35.02%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IT:MOL
Gruppo Mutuionline SpA
43.55
10.44
31.53%
IT:BFF
BFF Bank SpA
10.68
0.83
8.43%
IT:IF
Banca Ifis SPA
22.86
2.69
13.34%
IT:DOV
doValue S.p.A
3.08
1.21
64.79%
IT:ILTY
illimity Bank SpA
4.04
-0.46
-10.26%
IT:EQUI
Equita Group SpA
5.74
1.90
49.48%
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: Oct 09, 2025