MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.87 EUR
+0.16 (+2.38%)
Taking everything into account, MULT scores 5 out of 10 in our fundamental rating. MULT was compared to 9 industry peers in the Consumer Finance industry. MULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. A decent growth rate in combination with a cheap valuation! Better keep an eye on MULT. Finally MULT also has an excellent dividend rating.
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.
MULT had positive earnings in 4 of the past 5 years.
In multiple years MULT reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.76%, MULT is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.21%, MULT is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
MULT has a Return On Invested Capital (2.39%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 4.43%.
| 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
With a decent Profit Margin value of 10.13%, MULT is doing good in the industry, outperforming 66.67% of the companies in the same industry.
In the last couple of years the Profit Margin of MULT has declined.
MULT has a Operating Margin of 15.68%. This is comparable to the rest of the industry: MULT outperforms 55.56% of its industry peers.
MULT's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 103.01%, MULT belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| 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.
MULT has more shares outstanding than it did 5 years ago.
MULT has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.63, we must say that MULT is in the distress zone and has some risk of bankruptcy.
MULT has a Altman-Z score (0.63) which is comparable to the rest of the industry.
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.
Looking at the Debt to FCF ratio, with a value of 7.34, MULT is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
A Debt/Equity ratio of 3.77 is on the high side and indicates that MULT has dependencies on debt financing.
MULT has a Debt to Equity ratio of 3.77. This is in the lower half of the industry: MULT underperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.32
WACC7.49%
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 has a Current ratio of 1.27. This is in the better half of the industry: MULT outperforms 66.67% of its industry peers.
A Quick Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a better Quick ratio (1.27) than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 56.59% 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 -25.02% 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)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
Based on estimates for the next years, MULT will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.82% on average per year.
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
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
A Price/Earnings ratio of 7.08 indicates a rather cheap valuation of MULT.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.34. MULT is valued rather cheaply when compared to this.
MULT is valuated cheaply with a Price/Forward Earnings ratio of 5.43.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.08 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| EV/EBITDA | -2.3 |
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.
MULT's earnings are expected to grow with 19.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.56%. Purely for dividend investing, there may be better candidates out there.
MULT's Dividend Yield is rather good when compared to the industry average which is at 2.90. MULT pays more dividend than 88.89% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, MULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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
42.90% of the earnings are spent on dividend by MULT. 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 (11/12/2025, 7:00:00 PM)
6.87
+0.16 (+2.38%)
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 Cap149.22M
Revenue(TTM)216.80M
Net Income(TTM)21.96M
Analysts84
Price Target11.04 (60.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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)-1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.08 | ||
| Fwd PE | 5.43 | ||
| P/S | 0.69 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.32 | ||
| P/B | 0.76 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | -2.3 |
EPS(TTM)0.97
EY14.12%
EPS(NY)1.26
Fwd EY18.41%
FCF(TTM)4.64
FCFY67.56%
OCF(TTM)5.22
OCFY75.97%
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
WACC7.49%
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 AG / MULT.DE FAQ
What is the fundamental rating for MULT stock?
ChartMill assigns a fundamental rating of 5 / 10 to MULT.DE.
Can you provide the valuation status for MULTITUDE AG?
ChartMill assigns a valuation rating of 8 / 10 to MULTITUDE AG (MULT.DE). This can be considered as Undervalued.
How profitable is MULTITUDE AG (MULT.DE) stock?
MULTITUDE AG (MULT.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for MULT stock?
The financial health rating of MULTITUDE AG (MULT.DE) is 3 / 10.
How sustainable is the dividend of MULTITUDE AG (MULT.DE) stock?
The dividend rating of MULTITUDE AG (MULT.DE) is 7 / 10 and the dividend payout ratio is 42.9%.