MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.92 EUR
-0.02 (-0.29%)
Taking everything into account, MULT scores 4 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.
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.
Of the past 5 years MULT 4 years were profitable.
In multiple years MULT reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.76%, MULT is doing good in the industry, outperforming 66.67% 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 66.67% of its industry peers.
MULT's Return On Invested Capital of 2.39% is in line compared to the rest of the industry. MULT outperforms 55.56% 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 4.43%.
| 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
Looking at the Profit Margin, with a value of 10.13%, MULT is in the better half of 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.
MULT's Gross Margin of 103.01% is amongst the best of the industry. MULT outperforms 88.89% 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.
Compared to 5 years ago, MULT has more shares outstanding
The debt/assets ratio for MULT is higher compared to a year ago.
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.
The Altman-Z score of MULT (0.63) is comparable to the rest of the 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 better Debt to FCF ratio (7.34) than 66.67% of its industry peers.
A Debt/Equity ratio of 3.77 is on the high side and indicates that MULT has dependencies on debt financing.
With a Debt to Equity ratio value of 3.77, MULT is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.32
WACC7.5%
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.
The Quick ratio of MULT (1.27) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
MULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.59%, which is quite impressive.
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.
MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.02%.
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.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.13, the valuation of MULT can be described as very cheap.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 25.89, MULT is valued rather cheaply.
MULT is valuated cheaply with a Price/Forward Earnings ratio of 5.47.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 88.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.13 | ||
| Fwd PE | 5.47 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued cheaper than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.49 | ||
| EV/EBITDA | -2.2 |
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 3.46%.
Compared to an average industry Dividend Yield of 2.85, MULT pays a better dividend. On top of this MULT pays more dividend than 88.89% of the companies listed in the same industry.
MULT's Dividend Yield is a higher than the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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.
The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP42.9%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
FRA:MULT (11/14/2025, 7:00:00 PM)
6.92
-0.02 (-0.29%)
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 Cap150.30M
Revenue(TTM)216.80M
Net Income(TTM)21.96M
Analysts84
Price Target11.04 (59.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 | 7.13 | ||
| Fwd PE | 5.47 | ||
| P/S | 0.69 | ||
| P/FCF | 1.49 | ||
| P/OCF | 1.33 | ||
| P/B | 0.77 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | -2.2 |
EPS(TTM)0.97
EY14.02%
EPS(NY)1.26
Fwd EY18.28%
FCF(TTM)4.64
FCFY67.07%
OCF(TTM)5.22
OCFY75.43%
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
WACC7.5%
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%.