MULTITUDE AG (MULT.DE) Fundamental Analysis & Valuation

FRA:MULT • CH1398992755

Current stock price

6.2 EUR
+0.09 (+1.47%)
Last:

This MULT.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MULT.DE Profitability Analysis

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.
  • In multiple years MULT reported negative operating cash flow during the last 5 years.
MULT.DE Yearly Net Income VS EBIT VS OCF VS FCFMULT.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

  • The Return On Assets of MULT (1.77%) is worse than 62.50% of its industry peers.
  • MULT has a better Return On Equity (11.68%) than 62.50% of its industry peers.
  • The Return On Invested Capital of MULT (2.13%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for MULT is below the industry average of 6.36%.
Industry RankSector Rank
ROA 1.77%
ROE 11.68%
ROIC 2.13%
ROA(3y)1.16%
ROA(5y)0.55%
ROE(3y)5.95%
ROE(5y)2.87%
ROIC(3y)3.37%
ROIC(5y)3.5%
MULT.DE Yearly ROA, ROE, ROICMULT.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • With a Profit Margin value of 11.17%, MULT is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of MULT has declined.
  • MULT has a Operating Margin of 15.13%. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
  • MULT's Operating Margin has declined in the last couple of years.
  • MULT has a Gross Margin of 104.75%. This is amongst the best in the industry. MULT outperforms 100.00% of its industry peers.
Industry RankSector Rank
OM 15.13%
PM (TTM) 11.17%
GM 104.75%
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
MULT.DE Yearly Profit, Operating, Gross MarginsMULT.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80 100

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3

2. MULT.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MULT is destroying value.
  • Compared to 1 year ago, MULT has about the same amount of shares outstanding.
  • The number of shares outstanding for MULT has been increased compared to 5 years ago.
  • Compared to 1 year ago, MULT has a worse debt to assets ratio.
MULT.DE Yearly Shares OutstandingMULT.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
MULT.DE Yearly Total Debt VS Total AssetsMULT.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.45, we must say that MULT is in the distress zone and has some risk of bankruptcy.
  • MULT has a better Altman-Z score (0.45) than 62.50% of its industry peers.
  • The Debt to FCF ratio of MULT is 14.03, which is on the high side as it means it would take MULT, 14.03 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 14.03, MULT is doing worse than 62.50% of the companies in the same industry.
  • MULT has a Debt/Equity ratio of 4.42. This is a high value indicating a heavy dependency on external financing.
  • MULT has a worse Debt to Equity ratio (4.42) than 75.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Altman-Z 0.45
ROIC/WACC0.29
WACC7.4%
MULT.DE Yearly LT Debt VS Equity VS FCFMULT.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

2.3 Liquidity

  • A Current Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
  • The Current ratio of MULT (1.04) is better than 75.00% of its industry peers.
  • MULT has a Quick Ratio of 1.04. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
  • MULT has a Quick ratio of 1.04. This is in the better half of the industry: MULT outperforms 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
MULT.DE Yearly Current Assets VS Current LiabilitesMULT.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MULT.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.06% over the past year.
  • 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 -26.24% in the last year.
  • MULT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.52% yearly.
EPS 1Y (TTM)58.06%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%35.4%
Revenue 1Y (TTM)-26.24%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-2.68%

3.2 Future

  • Based on estimates for the next years, MULT will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.68% on average per year.
  • Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.09% on average per year.
EPS Next Y23.67%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue Next Year-0.4%
Revenue Next 2Y1.83%
Revenue Next 3Y3.09%
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.
MULT.DE Yearly Revenue VS EstimatesMULT.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
MULT.DE Yearly EPS VS EstimatesMULT.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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7

4. MULT.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • MULT is valuated cheaply with a Price/Earnings ratio of 5.90.
  • MULT's Price/Earnings ratio is rather cheap when compared to the industry. MULT is cheaper than 100.00% of the companies in the same industry.
  • MULT is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 5.11, the valuation of MULT can be described as very cheap.
  • 87.50% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, MULT is valued rather cheaply.
Industry RankSector Rank
PE 5.9
Fwd PE 5.11
MULT.DE Price Earnings VS Forward Price EarningsMULT.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MULT is valued a bit cheaper than 75.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.12
EV/EBITDA -3.72
MULT.DE Per share dataMULT.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • MULT's 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 19.68% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y20.71%
EPS Next 3Y19.68%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. MULT.DE Dividend Analysis

5.1 Amount

  • MULT has a Yearly Dividend Yield of 3.97%.
  • MULT's Dividend Yield is rather good when compared to the industry average which is at 1.86. MULT pays more dividend than 87.50% of the companies in the same industry.
  • MULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.97%

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
MULT.DE Yearly Dividends per shareMULT.DE Yearly Dividends per shareYearly Dividends per share 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 40.13% of the earnings are spent on dividend by MULT. This is a bit on the high side, but may be sustainable.
  • The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.13%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
MULT.DE Yearly Income VS Free CF VS DividendMULT.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
MULT.DE Dividend Payout.MULT.DE Dividend Payout, showing the Payout Ratio.MULT.DE Dividend Payout.PayoutRetained Earnings

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MULT.DE Fundamentals: All Metrics, Ratios and Statistics

MULTITUDE AG

FRA:MULT (3/13/2026, 7:00:00 PM)

6.2

+0.09 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)N/A
Inst Owners23.79%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap134.66M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (77.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.97%
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP40.13%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.91%
Min EPS beat(2)-20.24%
Max EPS beat(2)26.05%
EPS beat(4)2
Avg EPS beat(4)9.92%
Min EPS beat(4)-20.24%
Max EPS beat(4)39.32%
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)-1.54%
Min Revenue beat(2)-16.5%
Max Revenue beat(2)13.41%
Revenue beat(4)2
Avg Revenue beat(4)1.24%
Min Revenue beat(4)-16.5%
Max Revenue beat(4)13.61%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-2.95%
Revenue NY rev (3m)-2.95%
Valuation
Industry RankSector Rank
PE 5.9
Fwd PE 5.11
P/S 0.64
P/FCF 2.12
P/OCF 1.76
P/B 0.67
P/tB 0.81
EV/EBITDA -3.72
EPS(TTM)1.05
EY16.94%
EPS(NY)1.21
Fwd EY19.58%
FCF(TTM)2.92
FCFY47.17%
OCF(TTM)3.53
OCFY56.91%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.25
PEG (5Y)N/A
Graham Number14.78
Profitability
Industry RankSector Rank
ROA 1.77%
ROE 11.68%
ROCE 6.17%
ROIC 2.13%
ROICexc 2.95%
ROICexgc 3.06%
OM 15.13%
PM (TTM) 11.17%
GM 104.75%
FCFM 30.22%
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-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Debt/EBITDA 19.81
Cap/Depr 100.56%
Cap/Sales 6.24%
Interest Coverage 0.85
Cash Conversion 170.92%
Profit Quality 270.6%
Current Ratio 1.04
Quick Ratio 1.04
Altman-Z 0.45
F-Score6
WACC7.4%
ROIC/WACC0.29
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)58.06%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%35.4%
EPS Next Y23.67%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-26.24%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-2.68%
Revenue Next Year-0.4%
Revenue Next 2Y1.83%
Revenue Next 3Y3.09%
Revenue Next 5YN/A
EBIT growth 1Y101.99%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year64.99%
EBIT Next 3Y23.63%
EBIT Next 5Y11.06%
FCF growth 1Y65.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.29%
OCF growth 3YN/A
OCF growth 5YN/A

MULTITUDE AG / MULT.DE Fundamental Analysis FAQ

What is the fundamental rating for MULT stock?

ChartMill assigns a fundamental rating of 4 / 10 to MULT.DE.


What is the valuation status of MULTITUDE AG (MULT.DE) stock?

ChartMill assigns a valuation rating of 7 / 10 to MULTITUDE AG (MULT.DE). This can be considered as Undervalued.


What is the profitability of MULT stock?

MULTITUDE AG (MULT.DE) has a profitability rating of 3 / 10.


What is the valuation of MULTITUDE AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MULTITUDE AG (MULT.DE) is 5.9 and the Price/Book (PB) ratio is 0.67.


What is the earnings growth outlook for MULTITUDE AG?

The Earnings per Share (EPS) of MULTITUDE AG (MULT.DE) is expected to grow by 23.67% in the next year.