| Valuation method | Value, £ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 104.87 | -44 |
| Intrinsic value (DCF) | 79.69 | -57 |
| Graham-Dodd Method | n/a | |
| Graham Formula | 1.45 | -99 |
Moneysupermarket.com Group PLC (LSE: MONY) is a leading UK-based price comparison platform, helping consumers save money on household bills, insurance, financial products, travel, and home services. Operating under well-known brands like MoneySuperMarket, TravelSupermarket, MoneySavingExpert, and Quidco, the company provides digital tools for comparing prices across insurance, loans, credit cards, utilities, and holiday deals. With a strong presence in the UK's digital consumer finance market, Moneysupermarket.com leverages its proprietary Decision Tech B2B platform to power third-party comparison services while maintaining a direct-to-consumer business model. The company benefits from the growing trend of online financial decision-making and cost-conscious consumer behavior. As part of the Communication Services sector and Internet Content & Information industry, Moneysupermarket.com plays a key role in the UK's fintech and digital comparison tool (DCT) ecosystem, competing with both traditional financial intermediaries and emerging fintech disruptors.
Moneysupermarket.com presents a stable investment case with its established market position in UK price comparison services, diversified revenue streams, and strong cash flow generation. The company's £1.14bn market cap and beta of 0.823 suggest moderate volatility relative to the market. With £439.2m revenue and £80.6m net income, it maintains healthy profitability (18.4% net margin) and pays a dividend of 13p per share. However, investors should consider the competitive pressures in digital comparison markets, regulatory risks in financial services, and potential margin compression from customer acquisition costs. The company's £22.4m cash position against £35m debt appears manageable, and its £115.6m operating cash flow supports continued investment in technology and marketing. The stock may appeal to investors seeking exposure to UK fintech and digital consumer services with moderate growth prospects.
Moneysupermarket.com maintains competitive advantages through its multi-brand strategy (covering insurance, money, travel, and utilities), strong brand recognition in the UK, and proprietary comparison technology. The company's Decision Tech platform provides a B2B revenue stream by powering comparison services for third parties, creating an additional moat. Its MoneySavingExpert brand offers valuable personal finance content that drives customer loyalty and engagement. However, the company faces intense competition from both specialized comparison sites and broader financial aggregators. The UK market has relatively low barriers to entry for digital comparison tools, though Moneysupermarket benefits from first-mover advantage and scale in certain verticals. The company's main challenges include maintaining traffic acquisition efficiency as digital marketing costs rise and adapting to changing consumer behaviors in financial services. Its competitive position is strongest in insurance comparisons but faces more pressure in banking products where newer fintech players are disrupting traditional comparison models. The integration of Quidco's cashback model provides some differentiation but competes with more established rewards platforms.