Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
MONY Group plc is a British technology-led savings platform dedicated to helping UK households save money on essential bills and financial products. It operates through prominent consumer brands such as MoneySuperMarket, TravelSupermarket, IceLolly, MoneySavingExpert, Quidco, and Decision Tech, offering price comparison services for insurance (car, home, pet, travel), energy, broadband, mortgages, credit cards, loans, holidays, and more, alongside cashback rewards and expert financial advice. Founded in 1987 as a mortgage listing service and rebranded to MONY Group in May 2024, the company has evolved into a comprehensive marketplace powered by a unified data and technology platform that connects millions of consumers with over 5,000 providers. With 13.8 million active users across MoneySuperMarket and Quidco, it has facilitated an estimated £2.9 billion in customer savings, generating £439 million in revenue and £142 million in adjusted EBITDA in 2024. As a FTSE 250 constituent, MONY Group plc plays a pivotal role in the consumer finance sector by enhancing transparency, driving competition among providers, and promoting cost-effective switching through innovative digital tools and membership programs like SuperSaveClub.
£1.90
£0.01 (-0.58%)
EOD Jul 3, 2026
Margins and capital returns are both well above average: 26.31% operating margin, ROIC at 31.83%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue growth slowed to 1.6%, essentially flat. This is a business that needs a catalyst.
Even for strong businesses, today's 12x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
12.5x earnings, 10.3x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£446M
▲ +1.6% YoY
Net Income (TTM)
£81M
▲ +0.6% YoY
Op. Margin
26.31%
▲ +0.5pp YoY
ROIC
31.83%
▲ +2.3pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
£98M
▼ -3.3% YoY
Op. Cash Flow (TTM)
£99M
▼ -3.1% YoY
Net Debt
£14M
Cash & Equiv.
£20M
3Y CAGR: +4.8%
3Y CAGR: +1.8%
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At a P/E of 12.5 and a price-to-free-cash-flow of 10.3, Mony Group (MONY.XLON) trades below a two-stage DCF intrinsic value of about £5.79 per share, so at £1.90 the stock looks undervalued (205.0% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Mony Group scores 73/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 6.6%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £5.79 per share for MONY.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £4.34. At today's £1.90, that puts the stock about 205.0% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Mony Group scores 73 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 26.3% operating margin and a 31.8% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Mony Group pays a regular dividend of about £0.13 per share per year (typically in quarterly installments), a yield of roughly 6.6% at the current price. That is a payout ratio of about 82.9% of earnings, so the dividend is covered, with less cushion. Mony Group has grown the dividend at roughly 1.6% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For MONY.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. MONY.XLON currently trades below its estimated intrinsic value and scores 73/100 on quality (solid). It also yields about 6.6%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.