Mutuionline (MOL) Fair Value & Analysis
Financial Services · IT · Market cap €1.5B · ISIN IT0004195308
What is Mutuionline really worth?
A solid business, but trading 254% above our fair value of €9.98.
As of Sep 3, 2026, the fair value of Mutuionline is €9.98 per share against a price of €35.35, so the fair value sits 72% below the price. A model estimate blended from multiple valuation models, recalculated regularly.
Strengths
Risks
For context
Fair value as of: Sep 3, 2026
From 13 valuation models · updated 3 days ago
Share price −9.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (€12.48). The favourable scenario is already priced in.
- Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range €19.19 – €51.75 · fair‑value band €7.49 – €12.48 · the €35.35 price screens above the €9.98 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Analysis
Mutuionline (MOL) currently trades at €35.35, while our model-based Fair Value estimate is €9.98, implying the stock looks roughly 254.2% overvalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of €50.25 per share, and 4 of the 13 models we run sit above the €35.35 price. Bear case: the Dividend Discount group reads lowest at €1.54, and 9 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Mutuionline generated revenue of €747M at a net margin of 5.3%. Revenue grew 37.6% year over year. It earns a return on equity of 12.7%. Net debt stands at €363M. Fundamentals as of Sep 3, 2026
Our scenario range runs from €7.49 (bear case) to €12.48 (bull case); at €35.35, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 29% below its 52-week high and 22% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −72%, MOL screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €0.6003 per share, which is 6.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Growth DCF (€50.25) versus Dividend Discount (€1.54). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 38
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +23.1 % · buybacks/dilution −0.4 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
MOL screens 254% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 325 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
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 (as of Sep 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $326.16 | $206.40 | −37% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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