MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.81 EUR
-0.14 (-2.01%)
We assign a fundamental rating of 4 out of 10 to MULT. MULT was compared to 8 industry peers in the Consumer Finance industry. While MULT is still in line with the averages on profitability rating, there are concerns on its financial health. MULT scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
MULT had positive earnings in the past year.
In the past year MULT had a positive cash flow from operations.
Of the past 5 years MULT 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: MULT reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of MULT (1.76%) is better than 62.50% of its industry peers.
MULT has a Return On Equity of 11.21%. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
With a Return On Invested Capital value of 2.39%, MULT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 4.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 11.21% | ||
| ROIC | 2.39% |
ROA(3y)1.16%
ROA(5y)0.55%
ROE(3y)5.95%
ROE(5y)2.87%
ROIC(3y)3.37%
ROIC(5y)3.5%
1.3 Margins
The Profit Margin of MULT (10.13%) is better than 62.50% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
MULT's Operating Margin of 15.68% is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of MULT has declined.
MULT's Gross Margin of 103.01% is amongst the best of the industry. MULT outperforms 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.68% | ||
| PM (TTM) | 10.13% | ||
| GM | 103.01% |
OM growth 3Y-4.66%
OM growth 5Y-4.42%
PM growth 3YN/A
PM growth 5Y-3.81%
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), MULT is destroying value.
MULT has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, MULT has more shares outstanding
Compared to 1 year ago, MULT has a worse debt to assets ratio.
2.2 Solvency
MULT has an Altman-Z score of 0.63. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
MULT has a Altman-Z score of 0.63. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
MULT has a debt to FCF ratio of 7.34. This is a slightly negative value and a sign of low solvency as MULT would need 7.34 years to pay back of all of its debts.
MULT has a better Debt to FCF ratio (7.34) than 62.50% of its industry peers.
MULT has a Debt/Equity ratio of 3.77. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.77, MULT is doing worse than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.32
WACC7.48%
2.3 Liquidity
MULT has a Current Ratio of 1.27. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
MULT's Current ratio of 1.27 is fine compared to the rest of the industry. MULT outperforms 62.50% of its industry peers.
A Quick Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.27, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
MULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.59%, which is quite impressive.
MULT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.53% yearly.
Looking at the last year, MULT shows a very negative growth in Revenue. The Revenue has decreased by -25.02% in the last year.
The Revenue has been decreasing by -5.52% on average over the past years.
EPS 1Y (TTM)56.59%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%113.9%
Revenue 1Y (TTM)-25.02%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%20.65%
3.2 Future
MULT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.82% yearly.
MULT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.04% yearly.
EPS Next Y26.12%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
EPS Next 5YN/A
Revenue Next Year0.83%
Revenue Next 2Y2.59%
Revenue Next 3Y3.04%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 7.02 indicates a rather cheap valuation of MULT.
Compared to the rest of the industry, the Price/Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.13, MULT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.38, the valuation of MULT can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 87.50% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.35. MULT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.02 | ||
| Fwd PE | 5.38 |
4.2 Price Multiples
MULT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MULT is cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.47 | ||
| EV/EBITDA | -2.19 |
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 MULT's earnings are expected to grow with 19.82% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.44%, MULT has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.91, MULT pays a better dividend. On top of this MULT pays more dividend than 87.50% of the companies listed in the same industry.
MULT's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
5.2 History
The dividend of MULT has a limited annual growth rate of 0.74%.
Dividend Growth(5Y)0.74%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
MULT pays out 42.90% of its income as dividend. This is a bit on the high side, but may be sustainable.
MULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP42.9%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
FRA:MULT (11/5/2025, 7:00:00 PM)
6.81
-0.14 (-2.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.28%
Inst Owner ChangeN/A
Ins Owners60.68%
Ins Owner ChangeN/A
Market Cap147.91M
Revenue(TTM)216.80M
Net Income(TTM)21.96M
Analysts84
Price Target11.04 (62.11%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP42.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)32.68%
Min EPS beat(2)26.05%
Max EPS beat(2)39.32%
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)1
Avg Revenue beat(2)3.92%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)13.41%
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%
PT rev (3m)12.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4%
EPS NY rev (1m)0%
EPS NY rev (3m)3.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.02 | ||
| Fwd PE | 5.38 | ||
| P/S | 0.68 | ||
| P/FCF | 1.47 | ||
| P/OCF | 1.3 | ||
| P/B | 0.76 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | -2.19 |
EPS(TTM)0.97
EY14.24%
EPS(NY)1.26
Fwd EY18.57%
FCF(TTM)4.64
FCFY68.16%
OCF(TTM)5.22
OCFY76.64%
SpS9.98
BVpS9.02
TBVpS7.45
PEG (NY)0.27
PEG (5Y)N/A
Graham Number14.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.76% | ||
| ROE | 11.21% | ||
| ROCE | 5.64% | ||
| ROIC | 2.39% | ||
| ROICexc | 3.23% | ||
| ROICexgc | 3.35% | ||
| OM | 15.68% | ||
| PM (TTM) | 10.13% | ||
| GM | 103.01% | ||
| FCFM | 46.5% |
ROA(3y)1.16%
ROA(5y)0.55%
ROE(3y)5.95%
ROE(5y)2.87%
ROIC(3y)3.37%
ROIC(5y)3.5%
ROICexc(3y)3.77%
ROICexc(5y)4.73%
ROICexgc(3y)3.93%
ROICexgc(5y)5.08%
ROCE(3y)8.29%
ROCE(5y)8.37%
ROICexgc growth 3Y-31.02%
ROICexgc growth 5Y-27.43%
ROICexc growth 3Y-29.58%
ROICexc growth 5Y-26.49%
OM growth 3Y-4.66%
OM growth 5Y-4.42%
PM growth 3YN/A
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Debt/EBITDA | 15.88 | ||
| Cap/Depr | 100.59% | ||
| Cap/Sales | 5.79% | ||
| Interest Coverage | 0.87 | ||
| Cash Conversion | 243.95% | ||
| Profit Quality | 459.07% | ||
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 | ||
| Altman-Z | 0.63 |
F-Score7
WACC7.48%
ROIC/WACC0.32
Cap/Depr(3y)78.78%
Cap/Depr(5y)79.38%
Cap/Sales(3y)5.2%
Cap/Sales(5y)5.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.59%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%113.9%
EPS Next Y26.12%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-25.02%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%20.65%
Revenue Next Year0.83%
Revenue Next 2Y2.59%
Revenue Next 3Y3.04%
Revenue Next 5YN/A
EBIT growth 1Y72.23%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year61.44%
EBIT Next 3Y22.06%
EBIT Next 5Y11.06%
FCF growth 1Y78.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y70.78%
OCF growth 3YN/A
OCF growth 5YN/A
MULTITUDE PLC / MULT.DE FAQ
What is the fundamental rating for MULT stock?
ChartMill assigns a fundamental rating of 4 / 10 to MULT.DE.
Can you provide the valuation status for MULTITUDE PLC?
ChartMill assigns a valuation rating of 8 / 10 to MULTITUDE PLC (MULT.DE). This can be considered as Undervalued.
How profitable is MULTITUDE PLC (MULT.DE) stock?
MULTITUDE PLC (MULT.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for MULT stock?
The financial health rating of MULTITUDE PLC (MULT.DE) is 3 / 10.
How sustainable is the dividend of MULTITUDE PLC (MULT.DE) stock?
The dividend rating of MULTITUDE PLC (MULT.DE) is 6 / 10 and the dividend payout ratio is 42.9%.