Gruppo MutuiOnline SpA

Chart & Performance

D1W1MN

P/E

40.57

P/S

3.48

EPS

0.93

Div Yield, %

0.32%

Shrs. gr., 5y

-0.74%

Rev. gr., 5y

16.86%

Revenues

404m

+30.06%

Net income

35m

-25.99%

CFO

94m

+50.83%

Dividend

Jul 08, 20240.12 EUR/sh

Earnings

Mar 12, 2025

Profile

Gruppo MutuiOnline S.p.A., through its subsidiaries, provides retail credit and insurance brokerage, and credit-related outsourcing services in Italy. It operates through Broking and Business Process Outsourcing (BPO) divisions. The Broking division distributes mortgage loans through a network of agents and through mutuionline.it website; consumer loans through prestitionline.it website; and motor third party liability and other motor insurance products through cercassicurazioni.it website. This division also operates as an aggregator for insurance and credit products under the Segugio.it brand; offers comparison and promotion of e-commerce through the trovaprezzi.it website, and telecommunications and energy services through sostariffe.it website; and operates fondionline.it, an on-line mutual fund supermarket. The BPO division offers outsourcing services for banks, credit institutions, insurance companies, and investment companies, which consists of remote loan sales and packaging; mortgage underwriting and closing services; real estate appraisal and technical real estate services; loan application processing and portfolio management services for salary and pension guaranteed loans; outsourcing services for the management and claim settlement of not-motor insurance; and administrative outsourcing services for leasing and long-term rental operators, as well as operational service solutions and technology platforms to investment and management companies. The company is headquartered in Milan, Italy.

URL

https://www.gruppomol.it/

IPO date

Jun 06, 2007

Employees

2,555

Domiciled in

Incorporated in

Valuation

Order:

Title EUR in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title EUR in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	404,187 30.06%	310,770 -0.86%	313,464 20.68%
Cost of revenue	313,266	148,972	141,826
Unusual Expense (Income)
NOPBT	90,921	161,798	171,638
NOPBT Margin	22.49%	52.06%	54.76%
Operating Taxes	14,711	18,236	47,354
Tax Rate	16.18%	11.27%	27.59%
NOPAT	76,210	143,562	124,284
Net income	34,691 -25.99%	46,875 186.75%	16,347 -87.27%
Dividends	(4,486)	(15,239)	(15,500)
Dividend yield	0.37%	1.50%	0.90%
Proceeds from repurchase of equity	(10,073)
BB yield	0.83%
Debt
Debt current	83,810	66,294	25,195
Long-term debt	316,504	352,501	154,502
Deferred revenue		(13,916)	(80,367)
Other long-term liabilities	99,439	91,336	152,959
Net debt	97,714	41,566	(28,108)
Cash flow
Cash from operating activities	93,501	61,991	1,392
CAPEX	(5,028)	(3,758)	(2,394)
Cash from investing activities	(148,108)	(159,301)	11,139
Cash from financing activities	(56,943)	199,113	26,454
FCF	79,937	139,946	96,858
Balance
Cash	150,097	274,324	165,857
Long term investments	152,503	102,905	41,948
Excess cash	282,391	361,690	192,132
Stockholders' equity	329,929	71,761	69,615
Invested Capital	535,342	682,103	436,501
ROIC	12.52%	25.67%	35.56%
ROCE	11.12%	21.07%	33.67%
EV
Common stock shares outstanding	38,241	38,476	39,009
Price	31.90 21.20%	26.32 -40.59%	44.30 27.12%
Market cap	1,219,886 20.46%	1,012,700 -41.40%	1,728,099 26.70%
EV	1,320,203	1,056,265	1,704,662
EBITDA	136,024	183,824	192,425
EV/EBITDA	9.71	5.75	8.86
Interest	1,705	182	58
Interest/NOPBT	1.88%	0.11%	0.03%