# MONY Group plc (MONY.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Communication Services / Internet Content & Information. Price 196p, market value 1.0 billionp.

## Valuation
- **P/E (trailing): 12.3×** (5-yr avg 1664.8×, 3-yr avg 1551.5×). MONY Group plc trades at 12.3× trailing earnings, well below its own five-year average of 1664.8×: cheap by its own standards. The Communication Services median in the September 2026 study was 21.1×. Forward P/E is 9.9×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 4.9×**. The shares trade at 4.9× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 3.8×**. Enterprise value is 3.8× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 21.2%** (5-yr avg 0.1%). Free cash flow equals 21.2% of the market value, above its five-year average of 0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.1%**. The inverse of the P/E: 8.1% of the price is earned each year.

## Profitability
- **Gross margin: 62.5%**. MONY Group plc keeps 62.5% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 26.1%**. 26.1% of revenue is left after running the business, an exceptional level.
- **Net margin: 18.2%**. 18.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 35.8%**. 35.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 70.5%**. Return on all capital, debt included, is 70.5%: comfortably above what that capital costs.
- **Return on assets: 42.8%**. Each dollar of assets produces 42.8% of profit.

## Growth
- **Revenue growth (1 yr): 1.6%** (3-yr 4.8%/yr, 5-yr 5.3%/yr). Revenue grew 1.6% over the last year, against 5.3% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 0.0%** (3-yr 4.9%/yr, 5-yr 2.9%/yr). Earnings per share rose 0.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 5.2%/yr**. Free cash flow has compounded at 5.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.15**. Debt is 0.15 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 0.1×**. It would take 0.1 years of operating earnings to repay net borrowings, within the comfortable range.
- **Interest coverage: 27.5×**. Operating profit covers interest 27.5× over, a safe margin.
- **Current ratio: 1.18** (quick 1.18). Current assets cover the next year's liabilities 1.18 times.
- **Altman Z-score: 7.08**. A Z-score of 7.08 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 6.39%** (0p per share, trailing). MONY Group plc yields 6.39%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 82%** (62% of free cash flow). 82% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 1.4%/yr** (1-yr 2.7%). The dividend has grown 1.4% a year over five years.
- **Shareholder yield: 9.4%**. Dividends plus net buybacks return 9.4% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (11 analysts). 11 analysts cover MONY Group plc; the consensus is buy, with an average price target of 230p (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -2.7%** (YTD 7.6%, 3-mo 9.6%). The shares are down 2.7% over twelve months including dividends.
- **From 52-week high: -10.8%** (40.6% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 0.56** (volatility 27%). Beta of 0.56 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=MONY.L · Page: https://foliofundamentals.com/stocks/mony.l

Not investment advice.