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1. Company Snapshot

1.a. Company Description

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.

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1.b. Last Insights on MOL

Gruppo MutuiOnline S.p.A.'s recent performance was impacted by tempered market sentiment around artificial intelligence and fluctuating economic conditions. Despite releasing robust financial results, showcasing a 40% sales growth and 7% net income increase, investors' attention was drawn to cautious optimism in European markets. The company's high insider ownership may signal confidence in long-term prospects. Recent market trends, including the U.S. federal government reopening and easing trade tensions, have influenced investor sentiment. The company's alignment of interests between management and shareholders could be a key factor in navigating current market conditions.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.93%)

6. Segments

Business Process Outsourcing

Expected Growth: 5%

Gruppo MutuiOnline S.p.A's 5% growth in Business Process Outsourcing is driven by increasing demand for digital transformation, cost reduction, and process efficiency. The company's expertise in mortgage services and expansion into new markets also contribute to growth. Additionally, the adoption of cloud-based solutions and automation technologies enhance operational scalability and flexibility, further fueling growth.

Broking

Expected Growth: 7%

Gruppo MutuiOnline S.p.A's 7% growth in broking is driven by increasing online mortgage demand, strategic partnerships, and expansion into new regions. Additionally, the company's investment in digital platforms and data analytics has improved operational efficiency, reduced costs, and enhanced customer experience, contributing to the growth.

7. Detailed Products

MutuiOnline

Online mortgage brokerage platform

InsoldiOnline

Online insurance brokerage platform

Casa.it

Real estate portal

Lavoro.it

Job search platform

Autoscout24

Online car marketplace

8. Gruppo MutuiOnline S.p.A's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Gruppo MutuiOnline S.p.A is medium due to the presence of alternative online mortgage brokers and banks offering similar services.

Bargaining Power Of Customers

The bargaining power of customers for Gruppo MutuiOnline S.p.A is low due to the lack of concentration of buyers and the high switching costs.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Gruppo MutuiOnline S.p.A is medium due to the presence of multiple suppliers of mortgage products and services.

Threat Of New Entrants

The threat of new entrants for Gruppo MutuiOnline S.p.A is high due to the low barriers to entry and the attractiveness of the online mortgage brokerage market.

Intensity Of Rivalry

The intensity of rivalry for Gruppo MutuiOnline S.p.A is high due to the presence of multiple competitors and the high level of competition in the online mortgage brokerage market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.73%
Debt Cost 5.75%
Equity Weight 46.27%
Equity Cost 11.86%
WACC 8.58%
Leverage 116.10%

11. Quality Control: Gruppo MutuiOnline S.p.A passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
BFF Bank

A-Score: 5.9/10

Value: 6.0

Growth: 4.8

Quality: 7.1

Yield: 5.0

Momentum: 6.0

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
Resurs Holding

A-Score: 5.4/10

Value: 5.5

Growth: 5.2

Quality: 3.9

Yield: 5.0

Momentum: 9.0

Volatility: 4.0

1-Year Total Return ->

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Stock-Card
MutuiOnline

A-Score: 4.8/10

Value: 3.5

Growth: 8.3

Quality: 5.8

Yield: 0.6

Momentum: 6.5

Volatility: 4.0

1-Year Total Return ->

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Stock-Card
Intrum

A-Score: 4.4/10

Value: 9.1

Growth: 2.1

Quality: 2.8

Yield: 5.0

Momentum: 7.5

Volatility: 0.0

1-Year Total Return ->

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Stock-Card
Grenke

A-Score: 4.0/10

Value: 7.1

Growth: 5.7

Quality: 3.5

Yield: 3.8

Momentum: 1.0

Volatility: 2.7

1-Year Total Return ->

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Stock-Card
Funding Circle

A-Score: 2.9/10

Value: 4.8

Growth: 2.1

Quality: 6.7

Yield: 0.0

Momentum: 2.5

Volatility: 1.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

37.6$

Current Price

37.6$

Potential

-0.00%

Expected Cash-Flows