MULTITUDE AG (MULT.DE) Stock Fundamental Analysis

FRA:MULT • CH1398992755

6.31 EUR
+0.05 (+0.8%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

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. MULT also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • The reported operating cash flow has been mixed in the past 5 years: MULT reported negative operating cash flow in multiple 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

  • MULT has a Return On Assets (1.77%) which is in line with its industry peers.
  • MULT has a Return On Equity of 11.68%. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
  • MULT's Return On Invested Capital of 2.13% is fine compared to the rest of the industry. MULT outperforms 62.50% of 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 4.91%.
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

  • MULT has a Profit Margin of 11.17%. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
  • MULT's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 15.13%, MULT is doing good in the industry, outperforming 62.50% 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 (104.75%) than 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 1 year ago, MULT has about the same amount of shares outstanding.
  • MULT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MULT is higher compared to a year ago.
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

  • MULT has an Altman-Z score of 0.45. 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 0.45. This is in the better half of the industry: MULT outperforms 75.00% of its industry peers.
  • MULT has a debt to FCF ratio of 14.03. This is a negative value and a sign of low solvency as MULT would need 14.03 years to pay back of all of its debts.
  • MULT has a worse Debt to FCF ratio (14.03) than 62.50% of its industry peers.
  • MULT has a Debt/Equity ratio of 4.42. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 4.42, MULT is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Altman-Z 0.45
ROIC/WACC0.29
WACC7.42%
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

  • MULT has a Current 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 better Current ratio (1.04) than 75.00% of its industry peers.
  • A Quick Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.04, MULT is doing good in the industry, outperforming 75.00% of the companies in the same industry.
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.06% over the past year.
  • The Earnings Per Share has been decreasing by -9.53% on average over the past years.
  • MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.24%.
  • 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

  • MULT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.68% yearly.
  • The Revenue is expected to grow by 3.65% on average over the next years.
EPS Next Y23.67%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue Next Year2.63%
Revenue Next 2Y2.93%
Revenue Next 3Y3.65%
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.
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • MULT is valuated cheaply with a Price/Earnings ratio of 6.01.
  • 100.00% of the companies in the same industry are more expensive than MULT, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, MULT is valued rather cheaply.
  • MULT is valuated cheaply with a Price/Forward Earnings ratio of 5.20.
  • 87.50% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
  • MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.01
Fwd PE 5.2
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

  • 75.00% of the companies in the same industry are more expensive than MULT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.16
EV/EBITDA -3.65
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

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

More info and screens

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

7

5. Dividend

5.1 Amount

  • MULT has a Yearly Dividend Yield of 3.92%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.85, 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 rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.92%

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.
  • MULT's earnings are growing more than its dividend. This makes the dividend growth 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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Find the best dividend stocksShow peers with best dividend

MULTITUDE AG

FRA:MULT (2/27/2026, 7:00:00 PM)

6.31

+0.05 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)N/A
Inst Owners23.88%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap137.05M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (74.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
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)-0.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-30.43%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.78%
Valuation
Industry RankSector Rank
PE 6.01
Fwd PE 5.2
P/S 0.65
P/FCF 2.16
P/OCF 1.79
P/B 0.68
P/tB 0.82
EV/EBITDA -3.65
EPS(TTM)1.05
EY16.64%
EPS(NY)1.21
Fwd EY19.24%
FCF(TTM)2.92
FCFY46.35%
OCF(TTM)3.53
OCFY55.92%
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
WACC7.42%
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 Year2.63%
Revenue Next 2Y2.93%
Revenue Next 3Y3.65%
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 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 4 / 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 6.01 and the Price/Book (PB) ratio is 0.68.


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.