WENDEL (MF.PA) Stock Fundamental Analysis
Europe - EPA:MF - FR0000121204 - Common Stock
79.75 EUR
+0.25 (+0.31%)
We assign a fundamental rating of 4 out of 10 to MF. MF was compared to 46 industry peers in the Financial Services industry. Both the profitability and financial health of MF have multiple concerns. MF is not valued too expensively and it also shows a decent growth rate. Finally MF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MF had negative earnings in the past year.
MF had a positive operating cash flow in the past year.
Of the past 5 years MF 4 years were profitable.
MF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of MF (-0.57%) is worse than 76.09% of its industry peers.
MF has a worse Return On Equity (-2.93%) than 78.26% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.58%, MF is in line with its industry, outperforming 54.35% 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 10.06%.
The 3 year average ROIC (4.53%) for MF is below the current ROIC(4.58%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.57% | ||
| ROE | -2.93% | ||
| ROIC | 4.58% |
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
MF's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 12.06%, MF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
MF's Operating Margin has improved in the last couple of years.
MF does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | N/A | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MF is destroying value.
MF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for MF has been reduced compared to 5 years ago.
MF has a worse debt/assets ratio than last year.
2.2 Solvency
MF has an Altman-Z score of 1.35. This is a bad value and indicates that MF is not financially healthy and even has some risk of bankruptcy.
MF's Altman-Z score of 1.35 is in line compared to the rest of the industry. MF outperforms 43.48% of its industry peers.
The Debt to FCF ratio of MF is 6.24, which is on the high side as it means it would take MF, 6.24 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of MF (6.24) is comparable to the rest of the industry.
MF has a Debt/Equity ratio of 1.98. This is a high value indicating a heavy dependency on external financing.
MF has a worse Debt to Equity ratio (1.98) than 71.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | 6.24 | ||
| Altman-Z | 1.35 |
ROIC/WACC0.81
WACC5.67%
2.3 Liquidity
A Current Ratio of 1.78 indicates that MF should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.78, MF is in the better half of the industry, outperforming 67.39% of the companies in the same industry.
A Quick Ratio of 1.72 indicates that MF should not have too much problems paying its short term obligations.
MF's Quick ratio of 1.72 is fine compared to the rest of the industry. MF outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.78 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
MF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.98%.
The Earnings Per Share has been decreasing by -5.27% on average over the past years.
Looking at the last year, MF shows a quite strong growth in Revenue. The Revenue has grown by 9.86% in the last year.
The Revenue has been decreasing by -0.12% on average over the past years.
EPS 1Y (TTM)-118.98%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-99.11%
Revenue 1Y (TTM)9.86%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%7%
3.2 Future
Based on estimates for the next years, MF will show a very strong growth in Earnings Per Share. The EPS will grow by 29.44% on average per year.
The Revenue is expected to grow by 4.40% on average over the next years.
EPS Next Y-16.54%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPS Next 5YN/A
Revenue Next Year8.35%
Revenue Next 2Y6.09%
Revenue Next 3Y4.4%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MF. In the last year negative earnings were reported.
MF is valuated correctly with a Price/Forward Earnings ratio of 16.15.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MF is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.71. MF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.15 |
4.2 Price Multiples
73.91% of the companies in the same industry are more expensive than MF, based on the Enterprise Value to EBITDA ratio.
86.96% of the companies in the same industry are more expensive than MF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.34 | ||
| EV/EBITDA | 3.85 |
4.3 Compensation for Growth
A more expensive valuation may be justified as MF's earnings are expected to grow with 29.44% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
5. Dividend
5.1 Amount
MF has a Yearly Dividend Yield of 5.73%, which is a nice return.
MF's Dividend Yield is rather good when compared to the industry average which is at 3.73. MF pays more dividend than 91.30% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, MF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.73% |
5.2 History
The dividend of MF is nicely growing with an annual growth rate of 7.59%!
Dividend Growth(5Y)7.59%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
The earnings of MF are negative and hence is the payout ratio. MF will probably not be able to sustain this dividend level.
The dividend of MF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-221.78%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPA:MF (9/17/2025, 4:37:51 PM)
79.75
+0.25 (+0.31%)
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 Cap3.55B
Analysts82.67
Price Target115.99 (45.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.73% |
Yearly Dividend4.01
Dividend Growth(5Y)7.59%
DP-221.78%
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)-1.12%
PT rev (3m)-2.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-18.78%
EPS NY rev (3m)-18.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.44%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.15 | ||
| P/S | 0.43 | ||
| P/FCF | 3.34 | ||
| P/OCF | 2.79 | ||
| P/B | 1.16 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.85 |
EPS(TTM)-2.14
EYN/A
EPS(NY)4.94
Fwd EY6.19%
FCF(TTM)23.85
FCFY29.91%
OCF(TTM)28.59
OCFY35.85%
SpS187.3
BVpS69
TBVpS-83.84
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.57% | ||
| ROE | -2.93% | ||
| ROCE | 7.97% | ||
| ROIC | 4.58% | ||
| ROICexc | 5.88% | ||
| ROICexgc | 19.09% | ||
| OM | 12.06% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 12.74% |
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-Score5
Asset Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | 6.24 | ||
| Debt/EBITDA | 3.25 | ||
| Cap/Depr | 24.43% | ||
| Cap/Sales | 2.53% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 68.11% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.78 | ||
| Quick Ratio | 1.72 | ||
| Altman-Z | 1.35 |
F-Score5
WACC5.67%
ROIC/WACC0.81
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)-118.98%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-99.11%
EPS Next Y-16.54%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPS Next 5YN/A
Revenue 1Y (TTM)9.86%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%7%
Revenue Next Year8.35%
Revenue Next 2Y6.09%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
EBIT growth 1Y8.73%
EBIT growth 3Y6.55%
EBIT growth 5Y5.09%
EBIT Next Year10.78%
EBIT Next 3Y4.74%
EBIT Next 5YN/A
FCF growth 1Y11.82%
FCF growth 3Y4.64%
FCF growth 5Y3.48%
OCF growth 1Y1.93%
OCF growth 3Y2.49%
OCF growth 5Y1.56%