MONY Group plc (MONY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of MONY Group plc stock £2.93, price £2.07, upside +41.5%, quality 87 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range £1.29 – £2.33 · fair‑value band £1.96 – £4.08 · the £2.07 price screens below the £2.93 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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MONY Group plc, together with its subsidiaries, provides price comparison and lead generation services through its websites and applications in the United Kingdom. The company operates through Insurance, Money, Home Services, Travel, and Cashback segments.
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It offers MoneySuperMarket, a price comparison site, which provides online and app-based tools to help people save money on their household bills; MoneySavingExpert, a consumer finance website; Quidco, a cashback site; TravelSupermarket for comparing prices on a range of holiday options, including package holidays and hotels, low-cost and charter airlines, and car hire providers; icelolly.com, a holiday price comparison website and deals platform; and Decision Tech, a B2B solution offers industry-leading comparison technology for third party brands.
The company was formerly known as Moneysupermarket.com Group PLC and changed its name to MONY Group plc in May 2024. MONY Group plc was founded in 1993 and is based in Chester, the United Kingdom.
Stock analysis
MONY Group plc (MONY) currently trades at £2.07, while our model-based Fair Value estimate is £2.93, implying the stock looks roughly 29% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of £3.30 per share, and 17 of the 24 models we run sit above the £2.07 price.
Bear case: the Economic Profit group reads lowest at £1.28, and 7 of the 24 models stay below the price. Data coverage for this calculation is high.
Scenario range: £1.96 (bear) to £4.08 (bull), the price of £2.07 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 87/100 (high quality), in the Communication Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
MONY Group plc reported revenue of £446M in FY2025 versus £317M in FY2021, a compound +9.0%/yr. Reported net income was £81.2M in FY2025, compounding +11.4%/yr from FY2021.
Key figures
Market cap £1.1B Small · P/E ratio 12.9 · P/S ratio 2.41 · EPS (TTM) £0.1600 · Dividend yield 6.1% · Net margin 18.3% · Return on equity 37.1% · Return on assets (EBIT) 24.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 86 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 55% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Communication Services peers we cover trades at 13% fair-value upside, at 42%, MONY screens cheaper than that median.
Fair Value models
Bear£1.96Fair Value £2.93Bull£4.08
Price £2.07 · Upside +41.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£0.0282 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.80/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.3%
Start year 2020 (pandemic). Over 10 years: +4.7% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+9.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.4%
Dividend (yield on the price)6.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.3.4% vs 2.8%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.25% → 26%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −0.4% a year for the price and +0.5% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (83 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Solid financial returns are supported by the expanding SuperSaveClub membership base that adds recurring revenue, but the business quality remains constrained by insufficient public data to confirm any durable competitive advantage.
Main risk: Continued dependence on one-off comparison switches exposes revenue to declines in consumer activity levels that drive switching volumes.
MONY Group is scaling its SuperSaveClub past 2.5 million members, already contributing 19 percent of revenue, while adding business banking and investing propositions. This builds recurring elements into a business long driven by one-off comparison switches that rise and fall with consumer activity. Will the membership model and newer services deliver steadier growth than the core switching engine, or will they stay supplementary for the foreseeable future?
Price, fair value, quality and upside side by side.
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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.Internet Content & Information · 123 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score87 · Top 25%
Fair Value upside+41.5% · Above median
Profitability
Return on equity (12 months)37.1% · Top 25%
Return on assets21.5% · Top 25%
Net margin (12 months)18.3% · Top 25%
Operating margin (12 months)27.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)0.8% · Below median
Dividend yield (12 months)6.1% · Top 25%
Balance sheet
Debt / equity0.06× · Above median
Valuation Multiplesvs Internet Content & Information median · lower = cheaper
P/E (12 months)12.9× · Cheaper than median
P/B4.78× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months)2.41× · Pricier than median
Price / free cash flow (fiscal year)10.4× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "MONY Group plc Fair Value". https://www.fairvalue-calculator.com/stock/MONY
Frequently asked questions
Is MONY Group plc (MONY) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of £2.93 versus a price of £2.07, about +42% upside (undervalued).
What is the fair value of MONY?
Our model-based fair value for MONY Group plc is £2.93 (as of Nov 6, 2026), built from audited fundamentals. The current price: £2.07.
What is the quality score of MONY?
MONY Group plc has a Quality Score of 87/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for MONY Group plc (MONY)?
Our model-based price target is the fair value of £2.93 (as of Nov 6, 2026) from 24 valuation models. Cautious scenario £1.96, optimistic scenario £4.08. It is a calculation from audited fundamentals, not an analyst target.
What is the MONY Group plc stock forecast for 2026?
Our models put fair value at £2.93, about +42% upside versus a price of £2.07 (undervalued). Cautious scenario £1.96, optimistic scenario £4.08. The calculation is refreshed regularly with new filings.
What is the revenue of MONY Group plc (MONY)?
MONY Group plc reported trailing-twelve-month revenue of about £448M (latest available figure, as of Nov 6, 2026).
Does MONY Group plc pay a dividend?
MONY Group plc currently shows a dividend yield of 6.14% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of MONY Group plc (MONY) and when is the ex-dividend date?
MONY Group plc pays a dividend of £0.127 per share a year, a dividend yield of 6.1%. The last ex-dividend date was Jul 30, 2026. A dividend has been paid every year since at least 2008. The payout ratio is 79.4% of earnings. Free cash flow covers the dividend 1.60 times. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What growth is priced into MONY Group plc (MONY)?
For today's price to be fair in a discounted-cash-flow model, MONY Group plc would have to grow free cash flow by +1.9 % per year for five years (discount rate 11.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.3 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of MONY use?
Our models discount MONY Group plc at 11.7 %: a base by market capitalisation (small), damped by beta 0.98, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For MONY Group plc that is +1.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.7 %) and the same formula as our fair value.
How much growth has MONY Group plc (MONY) delivered so far?
Over the past 5 years revenue at MONY Group plc grew +5.3 % a year. The price currently implies free-cash-flow growth of +1.9 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of MONY Group plc (MONY) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into MONY Group plc (+1.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of MONY Group plc (MONY)?
The free-cash-flow yield on the price is 9.62 %: that much free cash flow MONY Group plc produces per unit of market value. When it exceeds the discount rate of our models (11.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of MONY Group plc (MONY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MONY Group plc it is £2.93 per share (as of Nov 6, 2026), against a price of £2.07. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings).
Is MONY Group plc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, MONY trades below its calculated fair value: price £2.07, fair value £2.93, a gap of about +42% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MONY?
No. The price is what the market pays today (£2.07); the fair value is what the company's own numbers justify (£2.93). For MONY Group plc the two are £0.8600 per share apart. That gap is exactly why we show both numbers side by side.
How much is MONY Group plc worth?
The market values MONY Group plc at about £1.1B (market capitalisation, as of Nov 6, 2026). Per share that is £2.07; our models calculate a fair value of £2.93 per share.
What do the bullish and bearish scenarios say about MONY?
Our models span a range for MONY Group plc: cautious scenario £1.96, base £2.93, optimistic £4.08 per share (as of Nov 6, 2026, price £2.07). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MONY?
MONY Group plc trades at a price-to-earnings ratio of 12.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £2.93 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 19.4. Other multiples: P/B 4.8, P/S 2.4, EV/EBITDA 8.5.
How solid is the balance sheet of MONY Group plc (MONY)?
Balance-sheet figures for MONY Group plc (as of Nov 6, 2026): return on equity 37.1%, debt of 0.06 per unit of equity. They feed the Quality Score of 87/100, which measures business quality independently of the share price.
How far is MONY from its 52-week high?
MONY Group plc trades at £2.07, about 5% below its 52-week high of £2.17 and 55% above the low of £1.34 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of £2.93 is for.
Which stocks are comparable to MONY Group plc?
From the same area (Communication Services) we also value Alphabet Inc, Meta Platforms, Inc, Tencent Holdings, Spotify Technology S.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is MONY Group plc stock attractive at the current price?
The data as of Nov 6, 2026: price £2.07, calculated fair value £2.93 (+42%), Quality Score 87/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MONY calculated?
We run MONY Group plc through 24 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of £2.93 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. MONY Group plc currently trades 29% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of MONY Group plc (MONY)?
The closing price on Nov 6, 2026 was £2.07. Our model-based fair value is £2.93, about +42% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MONY Group plc right now?
The rarer combination: high quality (87/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range (£1.96 to £4.08) leaves room in how you read the outcome.
Where does the earnings growth of MONY Group plc (MONY) come from?
Earnings per share at MONY Group plc grew +2.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.3 %, EBIT margin −1.7 %, tax rate −0.7 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of MONY Group plc
How large is the market capitalisation of MONY Group plc (MONY)?
The market capitalisation of MONY Group plc is £1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of MONY Group plc (MONY)?
The price-to-sales ratio of MONY Group plc is 2.41 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of MONY Group plc (MONY)?
Earnings per share at MONY Group plc are £0.1600 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of MONY Group plc (MONY)?
The dividend yield of MONY Group plc is 6.1% (payout 79.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of MONY Group plc (MONY)?
The net margin of MONY Group plc is 18.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of MONY Group plc (MONY)?
The return on equity (ROE) of MONY Group plc is 37.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of MONY Group plc (MONY)?
On an EBIT basis the return on assets of MONY Group plc is 24.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of MONY Group plc (MONY)?
The operating margin of MONY Group plc is 27.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MONY Group plc (MONY)?
Revenue at MONY Group plc is growing +0.8% versus a year earlier (3y avg +4.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at MONY Group plc (MONY)?
Earnings per share at MONY Group plc are growing +4.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does MONY Group plc (MONY) hold?
MONY Group plc holds more cash than debt, £2.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 6, 2026