MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - Deutsche Boerse Ag - CH1398992755 - Common Stock - Currency: EUR
Overall MULT gets a fundamental rating of 5 out of 10. We evaluated MULT against 8 industry peers in the Consumer Finance industry. MULT has only an average score on both its financial health and profitability. 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.
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
MULT has a Return On Assets (1.49%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 8.45%, MULT is doing good in the industry, outperforming 62.50% of the companies in the same industry.
MULT has a Return On Invested Capital (1.56%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 8.45% | ||
| ROIC | 1.56% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 4.66%, MULT is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
MULT's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 5.55%, MULT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of MULT has grown nicely.
Looking at the Gross Margin, with a value of 67.67%, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.55% | ||
| PM (TTM) | 4.66% | ||
| GM | 67.67% |
OM growth 3Y17.33%
OM growth 5Y6.74%
PM growth 3Y183.71%
PM growth 5Y-8.19%
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
MULT has an Altman-Z score of 0.77. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
MULT's Altman-Z score of 0.77 is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
MULT has a debt to FCF ratio of 4.93. This is a neutral value as MULT would need 4.93 years to pay back of all of its debts.
The Debt to FCF ratio of MULT (4.93) is better than 75.00% of its industry peers.
A Debt/Equity ratio of 3.14 is on the high side and indicates that MULT has dependencies on debt financing.
The Debt to Equity ratio of MULT (3.14) is worse than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | 4.93 | ||
| Altman-Z | 0.77 |
ROIC/WACC0.16
WACC9.76%
2.3 Liquidity
A Current Ratio of 1.34 indicates that MULT should not have too much problems paying its short term obligations.
The Current ratio of MULT (1.34) is better than 62.50% of its industry peers.
A Quick Ratio of 1.34 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Quick ratio of 1.34. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
MULT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.03%.
The earnings per share for MULT have been decreasing by -10.67% on average. This is quite bad
The Revenue has been growing slightly by 4.25% in the past year.
The Revenue has been decreasing by -2.54% on average over the past years.
EPS 1Y (TTM)-7.03%
EPS 3Y193.97%
EPS 5Y-10.67%
EPS Q2Q%23.66%
Revenue 1Y (TTM)4.25%
Revenue growth 3Y0%
Revenue growth 5Y-2.54%
Sales Q2Q%-7.21%
3.2 Future
Based on estimates for the next years, MULT will show a very strong growth in Earnings Per Share. The EPS will grow by 26.12% on average per year.
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 5.83% on average per year.
EPS Next Y20.61%
EPS Next 2Y33.94%
EPS Next 3Y26.12%
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y6.33%
Revenue Next 3Y5.83%
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.
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
With a Price/Earnings ratio of 6.67, the valuation of MULT can be described as very cheap.
Based on the Price/Earnings ratio, MULT is valued 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 29.35.
Based on the Price/Forward Earnings ratio of 4.77, the valuation of MULT can be described as very cheap.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of MULT to the average of the S&P500 Index (22.10), we can say MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 4.77 |
4.2 Price Multiples
87.50% 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 | 0.87 | ||
| EV/EBITDA | -3.6 |
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 26.12% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y33.94%
EPS Next 3Y26.12%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.88%.
Compared to an average industry Dividend Yield of 5.24, MULT pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, MULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
MULT pays out 25.95% of its income as dividend. This is a sustainable payout ratio.
DP25.95%
EPS Next 2Y33.94%
EPS Next 3Y26.12%
FRA:MULT (3/7/2025, 7:00:00 PM)
4.8
-0.09 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.95%
Inst Owner ChangeN/A
Ins Owners57.33%
Ins Owner ChangeN/A
Market Cap104.26M
Analysts84.44
Price Target9.32 (94.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.88% |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP25.95%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 4.77 | ||
| P/S | 0.31 | ||
| P/FCF | 0.87 | ||
| P/OCF | 0.79 | ||
| P/B | 0.56 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | -3.6 |
EPS(TTM)0.72
EY15%
EPS(NY)1.01
Fwd EY20.97%
FCF(TTM)5.53
FCFY115.21%
OCF(TTM)6.1
OCFY127.03%
SpS15.68
BVpS8.64
TBVpS7.15
PEG (NY)0.32
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 8.45% | ||
| ROCE | 3.53% | ||
| ROIC | 1.56% | ||
| ROICexc | 2.14% | ||
| ROICexgc | 2.24% | ||
| OM | 5.55% | ||
| PM (TTM) | 4.66% | ||
| GM | 67.67% | ||
| FCFM | 35.26% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y17.33%
OM growth 5Y6.74%
PM growth 3Y183.71%
PM growth 5Y-8.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | 4.93 | ||
| Debt/EBITDA | 18.6 | ||
| Cap/Depr | 96.17% | ||
| Cap/Sales | 3.62% | ||
| Interest Coverage | 0.45 | ||
| Cash Conversion | 417.62% | ||
| Profit Quality | 757.37% | ||
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 | ||
| Altman-Z | 0.77 |
F-Score4
WACC9.76%
ROIC/WACC0.16
Cap/Depr(3y)67.09%
Cap/Depr(5y)83.71%
Cap/Sales(3y)5.16%
Cap/Sales(5y)5.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.03%
EPS 3Y193.97%
EPS 5Y-10.67%
EPS Q2Q%23.66%
EPS Next Y20.61%
EPS Next 2Y33.94%
EPS Next 3Y26.12%
EPS Next 5YN/A
Revenue 1Y (TTM)4.25%
Revenue growth 3Y0%
Revenue growth 5Y-2.54%
Sales Q2Q%-7.21%
Revenue Next Year6.53%
Revenue Next 2Y6.33%
Revenue Next 3Y5.83%
Revenue Next 5YN/A
EBIT growth 1Y-69.38%
EBIT growth 3Y17.33%
EBIT growth 5Y4.03%
EBIT Next Year22.45%
EBIT Next 3Y13.21%
EBIT Next 5Y5.88%
FCF growth 1Y150.5%
FCF growth 3Y4.75%
FCF growth 5YN/A
OCF growth 1Y159.11%
OCF growth 3Y3.98%
OCF growth 5YN/A