Mony Group

MONY.L

Internet Content & Information · Communication Services

Exchange

London Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Exceptional

Growth

Mixed

Cash Flow

Exceptional

Stability

Exceptional

Valuation

Strong

Dividends

Mixed

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Winston Score History

The full picture

Mony Group PLC runs MoneySuperMarket, one of the UK's largest price comparison websites. It helps everyday consumers in the United Kingdom shop around and find cheaper deals on things like car insurance, home insurance, energy bills, credit cards, and broadband. The company also owns other comparison brands, including MoneySavingExpert, a popular personal finance advice site.

Mony Group makes money by charging businesses — mainly insurers, banks, and energy providers — a fee each time a customer clicks through and buys a product via its platform. This is essentially a lead-generation model, where suppliers pay for qualified customer referrals. The business operates almost entirely in the UK, giving it a focused but concentrated geographic footprint. Its main competitive advantage is brand recognition and the large volume of consumer traffic it attracts. The key risk is that insurers or other providers could reduce their reliance on comparison platforms, or that a competitor like Confused.com or Compare the Market could erode its market share.

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

+0.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+4.2% YoY

YoY Growth Rate

Slow EPS growth

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

£34M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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

Growth context

Mony Group is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

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.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

57.9%

Premium pricing power — 57.9% gross margin

Profit after running costs

Operating Margin

27.5%

Excellent — 27.5% operating margin

Return on the money invested

ROCE

45.9%

Exceptional — 45.9% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth

Sales YoY

+1.6%

Nearly flat sales (+1.6% YoY)

Profit growth

EPS YoY

+2.0%

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

119%

Turns 119% of profit into real cash

Spare cash per sale

FCF Margin

21.6%

Converts sales into free cash efficiently (21.6%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

0.23

Conservative — low debt load (0.23)

Covers its interest

Interest Cover

37.06x

Comfortably covers interest (37.1x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.2x

no trend

Attractive valuation — P/E 13.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+3.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (13.2 → 10.0)

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Dividends

Dividend

Dividend Yield

3.23%

no trend

Moderate income — 3.23% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

-19.4%

no trend

Dividend cut (-19.4% YoY) — warning sign

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