WENDEL (MF.PA) Stock Fundamental Analysis
EPA:MF - Euronext Paris - Matif - FR0000121204 - Common Stock - Currency: EUR
Taking everything into account, MF scores 4 out of 10 in our fundamental rating. MF was compared to 47 industry peers in the Financial Services industry. The financial health of MF is average, but there are quite some concerns on its profitability. MF has a decent growth rate and is not valued too expensively. MF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MF had positive earnings in the past year.
MF had a positive operating cash flow in the past year.
MF had positive earnings in 4 of the past 5 years.
Each year in the past 5 years MF had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.90%, MF perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
With a Return On Equity value of 9.12%, MF perfoms like the industry average, outperforming 53.19% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.49%, MF is in line with its industry, outperforming 48.94% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MF is significantly below the industry average of 10.14%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 9.12% | ||
| ROIC | 4.49% |
ROA(3y)2.47%
ROA(5y)2.56%
ROE(3y)12.66%
ROE(5y)13.01%
ROIC(3y)4.53%
ROIC(5y)4.05%
1.3 Margins
With a Profit Margin value of 3.64%, MF is not doing good in the industry: 61.70% of the companies in the same industry are doing better.
MF's Profit Margin has declined in the last couple of years.
MF's Operating Margin of 12.06% is in line compared to the rest of the industry. MF outperforms 53.19% of its industry peers.
MF's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | 3.64% | ||
| GM | N/A |
OM growth 3Y4.03%
OM growth 5Y5.21%
PM growth 3Y-36.07%
PM growth 5Y-5.85%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MF is destroying value.
The number of shares outstanding for MF has been reduced compared to 1 year ago.
MF has less shares outstanding than it did 5 years ago.
The debt/assets ratio for MF is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.44, we must say that MF is in the distress zone and has some risk of bankruptcy.
MF has a Altman-Z score of 1.44. This is comparable to the rest of the industry: MF outperforms 46.81% of its industry peers.
MF has a debt to FCF ratio of 6.49. This is a slightly negative value and a sign of low solvency as MF would need 6.49 years to pay back of all of its debts.
MF has a Debt to FCF ratio (6.49) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.87 is on the high side and indicates that MF has dependencies on debt financing.
With a Debt to Equity ratio value of 1.87, MF is not doing good in the industry: 70.21% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 6.49 | ||
| Altman-Z | 1.44 |
ROIC/WACC0.79
WACC5.68%
2.3 Liquidity
MF has a Current Ratio of 2.02. This indicates that MF is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of MF (2.02) is better than 76.60% of its industry peers.
MF has a Quick Ratio of 1.96. This is a normal value and indicates that MF is financially healthy and should not expect problems in meeting its short term obligations.
MF has a Quick ratio of 1.96. This is amongst the best in the industry. MF outperforms 80.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.02 | ||
| Quick Ratio | 1.96 |
3. Growth
3.1 Past
MF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 109.28%, which is quite impressive.
Measured over the past years, MF shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.27% on average per year.
MF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.13%.
Measured over the past years, MF shows a decrease in Revenue. The Revenue has been decreasing by -0.12% on average per year.
EPS 1Y (TTM)109.28%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-195.75%
Revenue 1Y (TTM)13.13%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%12.9%
3.2 Future
Based on estimates for the next years, MF will show a small growth in Earnings Per Share. The EPS will grow by 4.80% on average per year.
Based on estimates for the next years, MF will show a small growth in Revenue. The Revenue will grow by 5.44% on average per year.
EPS Next Y2.75%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
MF is valuated correctly with a Price/Earnings ratio of 13.43.
Compared to the rest of the industry, the Price/Earnings ratio of MF indicates a somewhat cheap valuation: MF is cheaper than 61.70% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MF to the average of the S&P500 Index (27.45), we can say MF is valued rather cheaply.
MF is valuated rather expensively with a Price/Forward Earnings ratio of 17.21.
The rest of the industry has a similar Price/Forward Earnings ratio as MF.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, MF is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 17.21 |
4.2 Price Multiples
76.60% of the companies in the same industry are more expensive than MF, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, MF is valued cheaper than 89.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.87 | ||
| EV/EBITDA | 4.2 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.89
PEG (5Y)N/A
EPS Next 2Y4.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.15%, MF is a good candidate for dividend investing.
MF's Dividend Yield is rather good when compared to the industry average which is at 3.85. MF pays more dividend than 85.11% of the companies in the same industry.
MF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
5.2 History
On average, the dividend of MF grows each year by 7.59%, which is quite nice.
Dividend Growth(5Y)7.59%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
58.46% of the earnings are spent on dividend by MF. This is a bit on the high side, but may be sustainable.
MF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP58.46%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPA:MF (7/4/2025, 7:00:00 PM)
90.5
-0.7 (-0.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.93%
Inst Owner ChangeN/A
Ins Owners0.73%
Ins Owner ChangeN/A
Market Cap4.02B
Analysts82.86
Price Target119.34 (31.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
Yearly Dividend4.01
Dividend Growth(5Y)7.59%
DP58.46%
Div Incr Years4
Div Non Decr Years4
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)0.49%
PT rev (3m)-4.43%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)15.84%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 17.21 | ||
| P/S | 0.5 | ||
| P/FCF | 3.87 | ||
| P/OCF | 3.23 | ||
| P/B | 1.25 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.2 |
EPS(TTM)6.74
EY7.45%
EPS(NY)5.26
Fwd EY5.81%
FCF(TTM)23.36
FCFY25.82%
OCF(TTM)27.99
OCFY30.93%
SpS181.37
BVpS72.49
TBVpS-66
PEG (NY)4.89
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 9.12% | ||
| ROCE | 7.82% | ||
| ROIC | 4.49% | ||
| ROICexc | 6.26% | ||
| ROICexgc | 20.16% | ||
| OM | 12.06% | ||
| PM (TTM) | 3.64% | ||
| GM | N/A | ||
| FCFM | 12.88% |
ROA(3y)2.47%
ROA(5y)2.56%
ROE(3y)12.66%
ROE(5y)13.01%
ROIC(3y)4.53%
ROIC(5y)4.05%
ROICexc(3y)6.19%
ROICexc(5y)5.52%
ROICexgc(3y)20.53%
ROICexgc(5y)17.72%
ROCE(3y)7.87%
ROCE(5y)7.04%
ROICexcg growth 3Y18.2%
ROICexcg growth 5Y4.07%
ROICexc growth 3Y6.16%
ROICexc growth 5Y4.11%
OM growth 3Y4.03%
OM growth 5Y5.21%
PM growth 3Y-36.07%
PM growth 5Y-5.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.52
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 6.49 | ||
| Debt/EBITDA | 3.5 | ||
| Cap/Depr | 27.59% | ||
| Cap/Sales | 2.55% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 72.43% | ||
| Profit Quality | 353.45% | ||
| Current Ratio | 2.02 | ||
| Quick Ratio | 1.96 | ||
| Altman-Z | 1.44 |
F-Score8
WACC5.68%
ROIC/WACC0.79
Cap/Depr(3y)39%
Cap/Depr(5y)37.48%
Cap/Sales(3y)2.96%
Cap/Sales(5y)3.08%
Profit Quality(3y)362.07%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)109.28%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-195.75%
EPS Next Y2.75%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.13%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%12.9%
Revenue Next Year8.06%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.83%
EBIT growth 3Y6.55%
EBIT growth 5Y5.09%
EBIT Next Year10.78%
EBIT Next 3Y4.74%
EBIT Next 5YN/A
FCF growth 1Y23.26%
FCF growth 3Y4.64%
FCF growth 5Y3.48%
OCF growth 1Y15.97%
OCF growth 3Y2.49%
OCF growth 5Y1.56%