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Gruppo MutuiOnline SpA
MIL:MOL

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Gruppo MutuiOnline SpA
MIL:MOL
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Price: 35.05 EUR -0.28%
Market Cap: 1.3B EUR
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Intrinsic Value

The intrinsic value of one MOL stock under the Base Case scenario is 35.64 EUR. Compared to the current market price of 35.05 EUR, Gruppo MutuiOnline SpA is Undervalued by 2%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

MOL Intrinsic Value
35.64 EUR
Undervaluation 2%
Intrinsic Value
Price
G
Worst Case
Base Case
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Gruppo MutuiOnline SpA

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
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Balance Sheet Decomposition
Gruppo MutuiOnline SpA

Current Assets 312.1m
Cash & Short-Term Investments 127.7m
Receivables 181.7m
Other Current Assets 2.6m
Non-Current Assets 627.3m
Long-Term Investments 126.2m
PP&E 36.2m
Intangibles 457.3m
Other Non-Current Assets 7.6m
Current Liabilities 281.7m
Accounts Payable 56.9m
Accrued Liabilities 52.6m
Short-Term Debt 5.7m
Other Current Liabilities 166.4m
Non-Current Liabilities 343.4m
Long-Term Debt 274.5m
Other Non-Current Liabilities 68.9m
Efficiency

Earnings Waterfall
Gruppo MutuiOnline SpA

Revenue
637.1m EUR
Cost of Revenue
20.1m EUR
Gross Profit
657.2m EUR
Operating Expenses
-565.4m EUR
Operating Income
91.7m EUR
Other Expenses
-34m EUR
Net Income
57.8m EUR

Free Cash Flow Analysis
Gruppo MutuiOnline SpA

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In a tough mortgage market, the company's revenue grew by 30% in 2023, reaching EUR 404 million. EBITDA increased to EUR 108 million, a 22% growth, but EBIT declined slightly due to acquisition-related amortizations, dipping from EUR 66.5 million in 2022 to EUR 63 million in 2023. Despite higher interest costs and taxes, net income was solid at EUR 35 million, albeit 25%-26% lower than the previous year. The Insurance Broking segment saw a 20% rise, buoyed by increased premiums and commission inflation. A standout was the Telco & Energy Comparison, which resulted from operational improvements and market shifts fostering contract switches. There's optimism for 2024, especially with anticipated government-triggered demand from liberalization. The international markets' contribution was significant, with revenues of EUR 53 million in 11 months. The company expects single-digit growth in revenues and EBITDA for 2024.

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Fundamental Scores

MOL Profitability Score
Profitability Due Diligence

Gruppo MutuiOnline SpA's profitability score is 59/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Exceptional 3-Year Average ROE
Positive Free Cash Flow
Positive 3-Years Revenue Growth
59/100
Profitability
Score

Gruppo MutuiOnline SpA's profitability score is 59/100. The higher the profitability score, the more profitable the company is.

MOL Solvency Score
Solvency Due Diligence

Gruppo MutuiOnline SpA's solvency score is 47/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
Low D/E
Average Altman Z-Score
Short-Term Solvency
47/100
Solvency
Score

Gruppo MutuiOnline SpA's solvency score is 47/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

MOL Price Targets Summary
Gruppo MutuiOnline SpA

Wall Street analysts forecast MOL stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for MOL is 43.18 EUR with a low forecast of 37.37 EUR and a high forecast of 49.35 EUR.

Lowest
Price Target
37.37 EUR
7% Upside
Average
Price Target
43.18 EUR
23% Upside
Highest
Price Target
49.35 EUR
41% Upside
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Dividends

Dividend Yield
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Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Safe
0
25
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100
Shareholder Yield

Current shareholder yield for MOL is .

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Shareholder Yield
Dividend Yield
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Buyback Yield
Lowest
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Debt Paydown Yield
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Highest

Profile

Gruppo MutuiOnline SpA

Country

Italy

Industry

Financial Services

Market Cap

1.3B EUR

Dividend Yield

0.34%

Description

Gruppo MutuiOnline SpA is a holding company, which engages in the distribution of retail credit and insurance products. The company is headquartered in Milan, Milano. The company went IPO on 2007-06-06. The company is involved in the distribution of retail credit and insurance products through remote channels, as well as in the provision of credit-related business process outsourcing services for retail lenders. The firm structures its business in two divisions: Broking Division and Business Process Outsourcing (BPO) Division. The Broking Division includes mortgage and consumer loans distribution, credit intermediation and property insurance products brokerage. Through the BPO Division, the Company provides services for lenders, such as remote loan sales and packaging; mortgage underwriting and closing services; services for the valuation of real estates, and employee loans processing. The company operates throught subsidiaries, such as Money360.it SpA and 7Pixel Srl.

Contact

MILANO
Milan
Via Desenzano, 2
+390283443601.0
www.gruppomol.it

IPO

2007-06-06

Employees

1 944

Officers

Executive Chairman
Dr. Marco Pescarmona
CEO & Executive Director
Mr. Alessandro Carlo Alvaro Fracassi
Secretary of the Board
Mr. Marco Bernardino Maria Zampetti
CFO and Head of Administration & Control
Dr. Francesco Masciandaro
Head of Internal Audit
Walter Baraggia
General Manager
Mr. Alessio Santarelli

See Also

Discover More
What is the Intrinsic Value of one MOL stock?

The intrinsic value of one MOL stock under the Base Case scenario is 35.64 EUR.

Is MOL stock undervalued or overvalued?

Compared to the current market price of 35.05 EUR, Gruppo MutuiOnline SpA is Undervalued by 2%.

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