Gruppo Mutuionline SpA (MOL) AI Stock Analysis

• Market Cap: €1.69B
• Dividend Yield: 0.27%
• Average Volume (3M): 22.01K
• Price to Earnings (P/E): 41.0
• Beta (1Y): 0.76
• Revenue Growth: 12.32%
• EPS Growth: 19.12%
• Country: IT
• Employees: 2,957
• Sector: Financial
• Sector Strength: 85
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 40,000,000
• 10 Day Avg. Volume: 16,181
• 30 Day Avg. Volume: 22,013
• PEG Ratio: -2.24
• Price to Book (P/B): 4.60
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €50.53
• Price Target Upside: 7.51% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

Gruppo Mutuionline SpA exhibits strong financial performance, characterized by consistent revenue and profit growth and a robust balance sheet. Technical analysis indicates short-term resistance but a positive long-term trend. The stock's valuation appears high, with a modest dividend yield, which may deter value-focused investors. Overall, the company presents a solid investment opportunity with some valuation concerns.

Positive Factors

Financial Performance

3Q24 revenues were up 12.9% yoy at EUR 106.9M, better than our estimates and driven by both divisions.

Growth Strategy

The acquisition of the German online comparison platform Verivox boosts growth prospects and positions the company as a dominant player in Europe.

Negative Factors

Regulatory Impact

The potential impact of the Web Tax in Italy could range from €1mn to €5mn, affecting approximately 1% to 6% of 2025E Net income adj.

Taxation

The potential impact of the Web Tax in Italy could range from €1mn to €5mn, affecting approximately 1% to 6% of 2025E Net income adj.

Gruppo Mutuionline SpA Business Overview & Revenue Model

Company Description

Gruppo 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 Money

Gruppo 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

Income Statement

Balance Sheet

Cash Flow

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
469.17M	404.19M	310.77M	313.46M	259.74M
	Gross Profit
132.68M	203.07M	240.90M	248.63M	204.03M
	EBIT
73.44M	53.38M	66.54M	68.96M	63.09M
	EBITDA
122.80M	95.88M	91.97M	87.91M	73.89M
	Net Income Common Stockholders
41.71M	34.69M	46.88M	16.35M	128.45M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
137.49M	150.10M	274.32M	165.86M	122.37M
	Total Assets
939.57M	951.85M	889.18M	616.61M	625.59M
	Total Debt
457.96M	388.16M	414.85M	170.65M	131.04M
	Net Debt
320.48M	238.07M	145.20M	4.79M	8.67M
	Total Liabilities
644.05M	621.72M	616.86M	347.54M	388.76M
	Stockholders Equity
291.74M	327.53M	270.32M	264.40M	233.26M
Cash Flow		Free Cash Flow
97.18M	86.98M	58.23M	-1.00M	103.65M
	Operating Cash Flow
101.47M	93.50M	61.99M	1.39M	106.99M
	Investing Cash Flow
-40.32M	-148.11M	-159.30M	11.14M	-35.66M
	Financing Cash Flow
-73.76M	-56.94M	199.11M	26.45M	16.47M

Gruppo Mutuionline SpA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 47 is above the 20-day moving average (MA) of 43.07, above the 50-day MA of 39.84, and above the 200-day MA of 36.63, indicating a bullish trend. The MACD of 1.76 indicates Negative momentum. The RSI at 67.91 is Neutral, neither overbought nor oversold. The STOCH value of 75.01 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MOL	71 Outperform	€1.69B	41.01	13.76%	0.27%	12.32%	19.12%
DOV	65 Neutral	€379.93M	10.57	1.49%	―	-0.32%	―
Sector *	64 Neutral	$12.75B	9.93	7.86%	17015.07%	12.19%	-5.92%
ISP	61 Neutral	€86.78B	9.82	13.70%	6.58%	6.32%	17.08%
ILTY	59 Neutral	€306.66M	4.92	-6.24%	6.96%	3.28%	-136.95%