Financials Gruppo MutuiOnline S.p.A

Equities

MOL

IT0004195308

Consumer Lending

Market Closed - Borsa Italiana 11:44:59 2024-04-26 am EDT 5-day change 1st Jan Change
35.1 EUR +2.48% Intraday chart for Gruppo MutuiOnline S.p.A +2.03% +10.03%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 754.7 1,312 1,701 990.7 1,193 1,313 - -
Enterprise Value (EV) 1 854.7 1,312 1,756 1,186 1,193 1,550 1,455 1,414
P/E ratio 19.7 x 10.6 x 105 x 21.6 x 35.1 x 19.6 x 18.4 x -
Yield 1.5% 1.15% 0.9% 0.46% - 1.14% 1.25% 1.14%
Capitalization / Revenue 3.43 x 5.06 x 5.43 x 3.19 x 2.95 x 3.01 x 2.88 x 2.65 x
EV / Revenue 3.89 x 5.06 x 5.6 x 3.82 x 2.95 x 3.56 x 3.19 x 2.86 x
EV / EBITDA 13.4 x 17.1 x 19 x 13.4 x 11 x 13.2 x 11.1 x 9.69 x
EV / FCF - - -4,458 x 20.2 x - 23.2 x 18.9 x 15.9 x
FCF Yield - - -0.02% 4.96% - 4.3% 5.3% 6.31%
Price to Book - - 6.42 x - - 3.55 x 3.36 x 2.83 x
Nbr of stocks (in thousands) 37,640 37,634 38,400 37,642 37,387 37,412 - -
Reference price 2 20.05 34.85 44.30 26.32 31.90 35.10 35.10 35.10
Announcement Date 3/16/20 3/16/21 3/15/22 3/16/23 3/14/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 219.9 259.2 313.5 310.8 404.2 436 456.7 495
EBITDA 1 64.02 76.57 92.55 88.6 108.2 117 131 146
EBIT 1 - 63.1 68.96 66.54 63.1 70.4 90.82 97
Operating Margin - 24.34% 22% 21.41% 15.61% 16.15% 19.89% 19.6%
Earnings before Tax (EBT) 1 - - - 65.76 50.07 63 82 94
Net income 1 40.31 128.5 16.35 46.88 34.69 67.2 73.94 -
Net margin 18.33% 49.56% 5.21% 15.08% 8.58% 15.41% 16.19% -
EPS 2 1.020 3.280 0.4200 1.220 0.9100 1.790 1.910 -
Free Cash Flow 1 - - -0.394 58.79 - 66.7 77.1 89.2
FCF margin - - -0.13% 18.92% - 15.3% 16.88% 18.02%
FCF Conversion (EBITDA) - - - 66.36% - 57.01% 58.85% 61.1%
FCF Conversion (Net income) - - - 125.43% - 99.26% 104.27% -
Dividend per Share 2 0.3000 0.4000 0.4000 0.1200 - 0.4000 0.4400 0.4000
Announcement Date 3/16/20 3/16/21 3/15/22 3/16/23 3/14/24 - - -
1EUR in Million2EUR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1
Net sales 1 158.8 71.44 83.23 77.86 79.12 157 69.38 84.4 93.91 103.2 197.1 94.61 112.5 98.6
EBITDA 1 - 22.87 25.04 21.35 24.91 46.26 19.64 22.67 23.43 28.9 52.36 25.11 30.73 25.4
EBIT 31.63 18.11 19.23 16.5 19.88 36.38 14.78 15.38 17.17 17.58 34.75 - 12.09 -
Operating Margin 19.92% 25.35% 23.1% 21.19% 25.12% 23.17% 21.3% 18.22% 18.29% 17.04% 17.63% - 10.75% -
Earnings before Tax (EBT) - - - - 22.46 38.49 14.89 12.38 - 13.04 26.22 - 8.206 -
Net income 1 - - - - 16.2 27.75 10.73 8.932 9.41 9.425 18.96 11.31 4.856 6.9
Net margin - - - - 20.47% 17.68% 15.47% 10.58% 10.02% 9.13% 9.62% 11.96% 4.32% 7%
EPS - - - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 9/7/21 11/15/21 3/15/22 5/12/22 9/7/22 9/7/22 11/14/22 3/16/23 5/15/23 9/7/23 9/7/23 11/14/23 3/14/24 -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 100 - 55.3 195 - 237 142 101
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 1.563 x - 0.5974 x 2.204 x - 2.026 x 1.084 x 0.6918 x
Free Cash Flow 1 - - -0.39 58.8 - 66.7 77.1 89.2
ROE (net income / shareholders' equity) 41.8% - 6.88% 17.5% - 16.5% 18% -
ROA (Net income/ Total Assets) - - - - - - - -
Assets 1 - - - - - - - -
Book Value Per Share 2 - - 6.900 - - 9.900 10.50 12.40
Cash Flow per Share - - - - - - - -
Capex 1 - - 1.79 3.2 - 7 6.1 8
Capex / Sales - - 0.57% 1.03% - 1.61% 1.34% 1.62%
Announcement Date 3/16/20 3/16/21 3/15/22 3/16/23 3/14/24 - - -
1EUR in Million2EUR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
35.1 EUR
Average target price
36.8 EUR
Spread / Average Target
+4.84%
Consensus

Quarterly revenue - Rate of surprise

  1. Stock Market
  2. Equities
  3. MOL Stock
  4. Financials Gruppo MutuiOnline S.p.A