MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.97 EUR
-0.15 (-2.11%)
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 7 industry peers in the Consumer Finance industry. MULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. MULT may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year MULT was profitable.
MULT had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 1.76%, MULT is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
MULT has a Return On Equity of 11.21%. This is in the better half of the industry: MULT outperforms 71.43% of its industry peers.
MULT has a Return On Invested Capital of 2.39%. This is comparable to the rest of the industry: MULT outperforms 57.14% of its industry peers.
The Average Return On Invested Capital over the past 3 years for MULT is in line with the industry average of 4.44%.
| 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
MULT's Profit Margin of 10.13% is fine compared to the rest of the industry. MULT outperforms 71.43% of its industry peers.
In the last couple of years the Profit Margin of MULT has declined.
Looking at the Operating Margin, with a value of 15.68%, MULT is in line with its industry, outperforming 57.14% of the companies in the same industry.
In the last couple of years the Operating Margin of MULT has declined.
MULT has a better Gross Margin (103.01%) than 85.71% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MULT is destroying value.
MULT has about the same amout of shares outstanding than it did 1 year ago.
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.
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.
With a decent Altman-Z score value of 0.63, MULT is doing good in the industry, outperforming 71.43% of the companies in the same industry.
The Debt to FCF ratio of MULT is 7.34, which is on the high side as it means it would take MULT, 7.34 years of fcf income to pay off all of its debts.
MULT has a Debt to FCF ratio of 7.34. This is comparable to the rest of the industry: MULT outperforms 57.14% 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.
MULT's Debt to Equity ratio of 3.77 is on the low side compared to the rest of the industry. MULT is outperformed by 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.32
WACC7.52%
2.3 Liquidity
A Current Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
With a Current ratio value of 1.27, MULT perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
A Quick Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Quick ratio (1.27) which is comparable to the rest of the industry.
| 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.
The Revenue for MULT has decreased by -25.02% 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)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.
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.04% on average per year.
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.
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 7.19 indicates a rather cheap valuation of MULT.
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's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.31.
MULT is valuated cheaply with a Price/Forward Earnings ratio of 5.51.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.85, MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.19 | ||
| Fwd PE | 5.51 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued cheaper than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.5 | ||
| EV/EBITDA | -2.11 |
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)0.28
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.52%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.35, MULT pays a better dividend. On top of this MULT pays more dividend than 85.71% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, MULT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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 (10/16/2025, 7:00:00 PM)
6.97
-0.15 (-2.11%)
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 Cap151.39M
Analysts84
Price Target11.04 (58.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.52% |
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)-3.29%
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 | 7.19 | ||
| Fwd PE | 5.51 | ||
| P/S | 0.7 | ||
| P/FCF | 1.5 | ||
| P/OCF | 1.34 | ||
| P/B | 0.77 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | -2.11 |
EPS(TTM)0.97
EY13.92%
EPS(NY)1.26
Fwd EY18.15%
FCF(TTM)4.64
FCFY66.59%
OCF(TTM)5.22
OCFY74.88%
SpS9.98
BVpS9.02
TBVpS7.45
PEG (NY)0.28
PEG (5Y)N/A
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%
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-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
WACC7.52%
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)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