MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
6.01 EUR
-0.04 (-0.66%)
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 9 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on MULT. Finally 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
With a Return On Assets value of 1.77%, MULT perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.68%, MULT is in line with its industry, outperforming 55.56% of the companies in the same industry.
MULT has a Return On Invested Capital (2.13%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 4.39%.
| Industry Rank | Sector 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%
1.3 Margins
MULT has a Profit Margin (11.17%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MULT has declined.
MULT has a Operating Margin (15.13%) which is comparable to the rest of the industry.
MULT's Operating Margin has declined in the last couple of years.
MULT has a Gross Margin of 104.75%. This is amongst the best in the industry. MULT outperforms 100.00% of its industry peers.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MULT is destroying value.
Compared to 1 year ago, MULT has about the same amount of shares outstanding.
Compared to 5 years ago, MULT has more shares outstanding
Compared to 1 year ago, MULT has a worse debt to assets ratio.
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 better Altman-Z score (0.45) than 66.67% of its industry peers.
The Debt to FCF ratio of MULT is 14.03, which is on the high side as it means it would take MULT, 14.03 years of fcf income to pay off all of its debts.
MULT's Debt to FCF ratio of 14.03 is on the low side compared to the rest of the industry. MULT is outperformed by 66.67% of its industry peers.
A Debt/Equity ratio of 4.42 is on the high side and indicates that MULT has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.42, MULT is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.38%
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's Current ratio of 1.04 is fine compared to the rest of the industry. MULT outperforms 77.78% 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 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.04 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
MULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.06%, 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.
The Revenue for MULT has decreased by -26.24% in the past year. This is quite bad
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
Based on estimates for the next years, MULT will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.82% on average per year.
The Revenue is expected to grow by 3.04% on average over the next years.
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.
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
MULT is valuated cheaply with a Price/Earnings ratio of 5.72.
100.00% of the companies in the same industry are more expensive than MULT, based on the Price/Earnings ratio.
MULT is valuated cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 4.75 indicates a rather cheap valuation of MULT.
88.89% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of MULT to the average of the S&P500 Index (36.20), we can say MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 4.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MULT indicates a somewhat cheap valuation: MULT is cheaper than 77.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.05 | ||
| EV/EBITDA | -3.75 |
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.
A more expensive valuation may be justified as MULT's earnings are expected to grow with 19.82% in the coming years.
PEG (NY)0.22
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.92%.
Compared to an average industry Dividend Yield of 2.75, 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 rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector 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
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 2Y23.22%
EPS Next 3Y19.82%
FRA:MULT (12/3/2025, 7:00:00 PM)
6.01
-0.04 (-0.66%)
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 Cap130.54M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target10.71 (78.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)-3%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 4.75 | ||
| P/S | 0.62 | ||
| P/FCF | 2.05 | ||
| P/OCF | 1.7 | ||
| P/B | 0.65 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | -3.75 |
EPS(TTM)1.05
EY17.47%
EPS(NY)1.26
Fwd EY21.04%
FCF(TTM)2.92
FCFY48.66%
OCF(TTM)3.53
OCFY58.71%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.22
PEG (5Y)N/A
Graham Number14.78
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.38%
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 Y26.12%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
EPS Next 5YN/A
Revenue 1Y (TTM)-26.24%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-2.68%
Revenue Next Year0.83%
Revenue Next 2Y2.59%
Revenue Next 3Y3.04%
Revenue Next 5YN/A
EBIT growth 1Y101.99%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year61.44%
EBIT Next 3Y22.06%
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.
Can you provide the valuation status for MULTITUDE AG?
ChartMill assigns a valuation rating of 7 / 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 40.13%.