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Moltiply Group S.p.A.

0O2B.L
49
Financial - Credit Services · Financial Services
Price
31.30 GBp
+0.65 (+2.12%)
Market Cap
£1.19B
Exchange
London Stock Exchange
Winston Score
49
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 5, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
13/30
Growth
Good
13/20
Cash Flow
Data not available
0/10
Stability
Good
5/10
Valuation
Strong
7/10
Ownership
Good
10/15
Dividends
Weak
1/5

49 of 100 counted points = Winston Score 49.

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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

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

Revenue Growth

-7.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+52.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

€0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

67.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

€325M cash & investments

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

Revenue declining

Moltiply Group S.p.A.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

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
16.1%
Thin — 16.1% gross margin
Profit after running costs
Operating Margin
14.7%
Healthy — 14.7% operating margin
Return on the money invested
ROCE
12.9%
Good — 12.9% 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
+30.0%
Fast-growing sales (+30.0% YoY)
Profit growth
EPS YoY
+0.0%
Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash
Cash Conversion
N/A
Data not available
Spare cash per sale
FCF Margin
N/A
Data not available

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Stability

What it owes vs what it owns
Debt / Equity
1.56
Elevated debt (1.56)
Covers its interest
Interest Cover
4.08x
Adequate interest coverage (4.1x)

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

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Valuation

Price vs profit
P/E Ratio (TTM)
26.6x
Growth-priced — P/E 26.6

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

Cheaper or dearer next year
P/E vs Forward
+13.3
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (26.6 → 13.3)

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Dividends

Dividend
Dividend Yield
0.43%
Small dividend — 0.43% 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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