Mutuionline (MOL) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Mutuionline €24.85, price €30.60, upside -18.8%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Mutuionline
MOL · MIOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €19.19 – €51.75 · fair‑value band €7.49 – €42.15 · the €30.60 price screens above the €24.85 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
Moltiply Group S.p.A. operates as a holding company in the financial services industry in Italy, Germany, and internationally. It operates through Moltiply BPO&Tech (BPO) and Mavriq (Broking) divisions. The Mavriq Division operates in the online comparison and intermediation of utility contracts, insurance products, bank products, and e-commerce offers.
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Moltiply Group S.p.A. operates as a holding company in the financial services industry in Italy, Germany, and internationally. It operates through Moltiply BPO&Tech (BPO) and Mavriq (Broking) divisions. The Mavriq Division operates in the online comparison and intermediation of utility contracts, insurance products, bank products, and e-commerce offers. This segment also provides Mavriq Telco & Energy, an online comparison and intermediation of electricity, gas and telco contracts; Mavriq Insurance, an online comparison and intermediation of insurance products; Mavriq Banking, an online comparison and intermediation of credit and other banking products; and Mavriq Shopping, a comparison shopping website and consumer review services. The Moltiply BPO&Tech Division provides business process outsourcing and IT platforms for the financial, insurance, and leasing/rental sectors; and offers a set of proprietary information technology solutions to client companies in its business areas. This segment is involved in Moltiply Banking which provides BPO services and IT solutions for loan origination and servicing, para-notary services, property valuation services, and comprehensive solutions including operational services and IT platforms to investment and asset management firms; Moltiply Lease that provides BPO and IT core solutions for leasing and long-term rental operators; and Moltiply Insurance which provides claims management and settlement outsourcing services. 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 headquartered in Milan, Italy.
Stock analysis
Mutuionline (MOL) currently trades at €30.60, while our model-based Fair Value estimate is €24.85, implying the stock looks roughly 23.1% overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of €50.35 per share, and 5 of the 13 models we run sit above the €30.60 price.
Bear case: the Asset-Based group reads lowest at €5.99, and 8 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: €7.49 (bear) to €42.15 (bull), the price of €30.60 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Mutuionline reported revenue of €685M in FY2025 versus €313M in FY2021, a compound +21.6%/yr. Reported net income was €28.6M in FY2025, compounding +15.0%/yr from FY2021.
Key figures
Market cap €1.5B · P/E ratio 29.7 · P/S ratio 1.24 · EPS (TTM) €1.03 · Dividend yield 0.5% · Net margin 4.2% · Return on equity 12.7% · Return on assets (EBIT) 8.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −19%, MOL screens cheaper than that median.
Fair Value models
All 13 models by family
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Set up alert →Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 29
Revenue & earnings trend
Growth Forecast
MOL screens 23% overvalued. Compare with Visa Inc →
Compare Mutuionline with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Valuation Multiplesvs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Valuation of the Italy market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $362.04 | $227.35 | −37% |
| Mastercard Incorporated MA | $555.89 | $356.78 | −36% |
| American Express Company AXP | $305.07 | $206.40 | −32% |
| Capital One Financial Corporation COF | $200.55 | $125.36 | −37% |
| Bajaj Finance Limited BAJFINANCE | ₹1,043 | ₹1,101 | +6% |
| PayPal Holdings PYPL | $52.89 | $99.46 | +88% |
| Affirm Holdings AFRM | $71.77 | $16.24 | −77% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,011 | ₹1,374 | +36% |
| Synchrony Financial, SYF | $72.67 | $137.28 | +89% |
| SoFi Technologies, Inc SOFI | $17.16 | $5.57 | −68% |
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