Moltiply Group S.p.A.

0O2B.L

Specialty Business Services · Industrials

Price

37.15 GBp

-1.00 (-2.62%)

Market Cap

£1.41B

Exchange

London Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Mixed

Growth

Good

Cash Flow

Weak

Stability

Good

Valuation

Good

Dividends

Weak

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Winston Score History

The full picture

Moltiply Group is an Italian financial services company that helps consumers find and compare financial products like loans, mortgages, insurance, and credit cards. It runs online comparison platforms where everyday people can shop around for the best financial deals without visiting multiple banks. The company is one of the leading digital financial marketplaces in Italy.

Moltiply makes money by charging fees to banks, insurers, and lenders when customers use its platforms to find and apply for financial products — a model sometimes called "lead generation." It operates primarily in Italy, with some presence in other European markets, and its scale and brand recognition in Italian comparison shopping give it a competitive edge over smaller rivals. The key growth driver is the continued shift of Italian consumers toward online financial product research, but the business faces risk if major banks build their own direct digital channels and reduce reliance on third-party comparison platforms.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+31.6% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+90.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

€0/ year

0.0% of revenue

Below sector average (4%)

Research and development spending

Insider Activity

67.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

€299M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

Moltiply Group S.p.A. is growing revenue at 32% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.4% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 39.0M (2021) → 39.2M (2025)

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

18.3%

Thin — 18.3% gross margin

Profit after running costs

Operating Margin

17.7%

Healthy — 17.7% operating margin

Return on the money invested

ROCE

12.1%

Good — 12.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+48.5%

Fast-growing sales (+48.5% YoY)

Profit growth

EPS YoY

-10.3%

Earnings shrinking (-10.3% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

Weak — only 0% of profit becomes cash

Spare cash per sale

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

1.94

Elevated debt (1.94)

Covers its interest

Interest Cover

4.18x

Adequate interest coverage (4.2x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

34.8x

Pricey — P/E 34.8

P/E above the market average. People are paying up for expected growth.

Cheaper or dearer next year

P/E vs Forward

+19.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (34.8 → 15.1)

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Dividends

Dividend

Dividend Yield

0.40%

Small dividend — 0.40% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

-58.2%

Dividend cut (-58.2% YoY) — warning sign

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