CHAPTERS GROUP AG(FRA:CHG) stock Fundamental Analysis

Fundamental Rating

Overall CHG gets a fundamental rating of 3 out of 10. We evaluated CHG against 50 industry peers in the Financial Services industry. CHG may be in some trouble as it scores bad on both profitability and health. CHG is valued quite expensively, but it does show have an excellent growth rating.

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1. Profitability

1.1 Basic Checks

CHG had negative earnings in the past year.

In the past year CHG had a positive cash flow from operations.

The reported net income has been mixed in the past 5 years: CHG reported negative net income in multiple years.

CHG had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

CHG's Return On Assets of -3.10% is on the low side compared to the rest of the industry. CHG is outperformed by 80.00% of its industry peers.

CHG has a worse Return On Equity (-5.54%) than 78.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	-3.1%
ROE	-5.54%
ROIC	N/A

ROA(3y)-1.36%

ROA(5y)-9.09%

ROE(3y)-1.95%

ROE(5y)-11.98%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Gross Margin value of 80.66%, CHG belongs to the best of the industry, outperforming 82.00% of the companies in the same industry.

CHG's Gross Margin has declined in the last couple of years.

The Profit Margin and Operating Margin are not available for CHG so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	80.66%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y-5.44%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CHG has more shares outstanding

Compared to 5 years ago, CHG has more shares outstanding

Compared to 1 year ago, CHG has a worse debt to assets ratio.

2.2 Solvency

CHG has an Altman-Z score of 2.97. This is not the best score and indicates that CHG is in the grey zone with still only limited risk for bankruptcy at the moment.

The Altman-Z score of CHG (2.97) is better than 70.00% of its industry peers.

CHG has a debt to FCF ratio of 6.46. This is a slightly negative value and a sign of low solvency as CHG would need 6.46 years to pay back of all of its debts.

CHG has a Debt to FCF ratio of 6.46. This is comparable to the rest of the industry: CHG outperforms 52.00% of its industry peers.

A Debt/Equity ratio of 0.17 indicates that CHG is not too dependend on debt financing.

CHG has a Debt to Equity ratio of 0.17. This is in the better half of the industry: CHG outperforms 72.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	6.46
Altman-Z	2.97

ROIC/WACCN/A

WACC6.86%

2.3 Liquidity

A Current Ratio of 0.70 indicates that CHG may have some problems paying its short term obligations.

CHG has a worse Current ratio (0.70) than 72.00% of its industry peers.

CHG has a Quick Ratio of 0.70. This is a bad value and indicates that CHG is not financially healthy enough and could expect problems in meeting its short term obligations.

CHG has a worse Quick ratio (0.65) than 72.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.7
Quick Ratio	0.65

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CHG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.70%.

Looking at the last year, CHG shows a very strong growth in Revenue. The Revenue has grown by 158.74%.

CHG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 93.11% yearly.

EPS 1Y (TTM)4.7%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-18.88%

Revenue 1Y (TTM)158.74%

Revenue growth 3Y303.43%

Revenue growth 5Y93.11%

Sales Q2Q%48.63%

3.2 Future

The Earnings Per Share is expected to grow by 416.76% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 32.75% on average over the next years. This is a very strong growth

EPS Next Y3700%

EPS Next 2Y794.43%

EPS Next 3Y416.77%

EPS Next 5YN/A

Revenue Next Year56.5%

Revenue Next 2Y42.64%

Revenue Next 3Y32.75%

Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

CHG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

CHG is valuated quite expensively with a Price/Forward Earnings ratio of 37.07.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CHG indicates a slightly more expensive valuation: CHG is more expensive than 64.00% of the companies listed in the same industry.

CHG's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	37.07

4.2 Price Multiples

CHG's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CHG is more expensive than 64.00% of the companies in the same industry.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHG indicates a slightly more expensive valuation: CHG is more expensive than 68.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	51.64
EV/EBITDA	73.71

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as CHG's earnings are expected to grow with 416.76% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y794.43%

EPS Next 3Y416.77%

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5. Dividend

5.1 Amount

CHG does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CHAPTERS GROUP AG

FRA:CHG (3/7/2025, 7:00:00 PM)

29.2

-0.6 (-2.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-24 2024-05-24

Earnings (Next)N/A N/A

Inst Owners8.85%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap570.86M

Analysts80

Price Target34.68 (18.77%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)21.43%

PT rev (3m)21.43%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	37.07
P/S	6.55
P/FCF	51.64
P/OCF	36.83
P/B	3.9
P/tB	57.67
EV/EBITDA	73.71

EPS(TTM)-0.41

EYN/A

EPS(NY)0.79

Fwd EY2.7%

FCF(TTM)0.57

FCFY1.94%

OCF(TTM)0.79

OCFY2.71%

SpS4.46

BVpS7.49

TBVpS0.51

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-3.1%
ROE	-5.54%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	80.66%
FCFM	12.69%

ROA(3y)-1.36%

ROA(5y)-9.09%

ROE(3y)-1.95%

ROE(5y)-11.98%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y-5.44%

F-Score7

Asset Turnover0.33

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	6.46
Debt/EBITDA	3.18
Cap/Depr	28.42%
Cap/Sales	5.1%
Interest Coverage	N/A
Cash Conversion	197.34%
Profit Quality	N/A
Current Ratio	0.7
Quick Ratio	0.65
Altman-Z	2.97

F-Score7

WACC6.86%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.7%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-18.88%

EPS Next Y3700%

EPS Next 2Y794.43%

EPS Next 3Y416.77%

EPS Next 5YN/A

Revenue 1Y (TTM)158.74%

Revenue growth 3Y303.43%

Revenue growth 5Y93.11%

Sales Q2Q%48.63%

Revenue Next Year56.5%

Revenue Next 2Y42.64%

Revenue Next 3Y32.75%

Revenue Next 5YN/A

EBIT growth 1Y-599.15%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year8233.33%

EBIT Next 3Y440.23%

EBIT Next 5Y188.53%

FCF growth 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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