MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - Deutsche Boerse Ag - CH1398992755 - Common Stock - Currency: EUR
Overall MULT gets a fundamental rating of 4 out of 10. We evaluated MULT against 7 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 is valued quite cheap, while showing a decent growth score. This is a good combination! MULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MULT had positive earnings in the past year.
MULT had a positive operating cash flow in the past year.
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
The Return On Assets of MULT (1.53%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 9.35%, MULT is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
MULT has a Return On Invested Capital (2.37%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for MULT is in line with the industry average of 4.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROIC | 2.37% |
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 Profit Margin value of 8.56%, MULT perfoms like the industry average, outperforming 42.86% 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 (14.95%) which is in line with its industry peers.
In the last couple of years the Operating Margin of MULT has declined.
MULT has a Gross Margin of 101.83%. This is amongst the best in the industry. MULT outperforms 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% |
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
MULT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MULT remains at a similar level compared to 1 year ago.
The number of shares outstanding for MULT has been increased compared to 5 years ago.
The debt/assets ratio for MULT is higher compared to a year ago.
2.2 Solvency
MULT has an Altman-Z score of 0.62. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of MULT (0.62) is better than 71.43% of its industry peers.
MULT has a debt to FCF ratio of 8.97. This is a slightly negative value and a sign of low solvency as MULT would need 8.97 years to pay back of all of its debts.
MULT's Debt to FCF ratio of 8.97 is in line compared to the rest of the industry. MULT outperforms 42.86% of its industry peers.
MULT has a Debt/Equity ratio of 3.86. This is a high value indicating a heavy dependency on external financing.
MULT has a worse Debt to Equity ratio (3.86) than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Altman-Z | 0.62 |
ROIC/WACC0.32
WACC7.52%
2.3 Liquidity
MULT has a Current Ratio of 1.20. 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 better Current ratio (1.20) than 71.43% of its industry peers.
MULT has a Quick Ratio of 1.20. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of MULT (1.20) is better than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.33% over the past year.
Measured over the past years, MULT shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.53% on average per year.
The Revenue for MULT has decreased by -36.30% in the past year. This is quite bad
The Revenue has been decreasing by -5.52% on average over the past years.
EPS 1Y (TTM)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
3.2 Future
The Earnings Per Share is expected to grow by 13.69% on average over the next years. This is quite good.
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.22% on average per year.
EPS Next Y22.04%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year5.67%
Revenue Next 2Y5.39%
Revenue Next 3Y3.22%
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.
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
With a Price/Earnings ratio of 8.63, the valuation of MULT can be described as very reasonable.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
MULT is valuated cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
MULT is valuated cheaply with a Price/Forward Earnings ratio of 6.07.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
MULT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.60.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 6.07 |
4.2 Price Multiples
71.43% of the companies in the same industry are more expensive than MULT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.8 | ||
| EV/EBITDA | -2.65 |
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 13.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y19.01%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.30%. 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 3.28. MULT pays more dividend than 85.71% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.42, MULT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
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 21.95% of its income as dividend. This is a sustainable payout ratio.
The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.95%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
FRA:MULT (6/30/2025, 4:29:25 PM)
7.16
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.12%
Inst Owner ChangeN/A
Ins Owners57.33%
Ins Owner ChangeN/A
Market Cap155.52M
Analysts84.44
Price Target9.79 (36.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP21.95%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.93%
Min EPS beat(2)-5.46%
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)4.01%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)13.61%
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)4.73%
PT rev (3m)5.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 6.07 | ||
| P/S | 0.71 | ||
| P/FCF | 1.8 | ||
| P/OCF | 1.57 | ||
| P/B | 0.78 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | -2.65 |
EPS(TTM)0.83
EY11.59%
EPS(NY)1.18
Fwd EY16.48%
FCF(TTM)3.98
FCFY55.6%
OCF(TTM)4.55
OCFY63.6%
SpS10.09
BVpS9.24
TBVpS7.69
PEG (NY)0.39
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROCE | 6.18% | ||
| ROIC | 2.37% | ||
| ROICexc | 3.36% | ||
| ROICexgc | 3.5% | ||
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% | ||
| FCFM | 39.46% |
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%
ROICexcg growth 3Y-31.02%
ROICexcg 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-Score4
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Debt/EBITDA | 17.19 | ||
| Cap/Depr | 101.39% | ||
| Cap/Sales | 5.68% | ||
| Interest Coverage | 0.74 | ||
| Cash Conversion | 219.71% | ||
| Profit Quality | 461.13% | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | 0.62 |
F-Score4
WACC7.52%
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)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
EPS Next Y22.04%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
Revenue Next Year5.67%
Revenue Next 2Y5.39%
Revenue Next 3Y3.22%
Revenue Next 5YN/A
EBIT growth 1Y-3.01%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year68.54%
EBIT Next 3Y15.12%
EBIT Next 5Y11.06%
FCF growth 1Y90.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y74.66%
OCF growth 3YN/A
OCF growth 5YN/A