MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
5.92 EUR
-0.15 (-2.47%)
Overall MULT gets a fundamental rating of 5 out of 10. We evaluated MULT 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. 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
MULT has a Return On Assets of 1.76%. This is comparable to the rest of the industry: MULT outperforms 55.56% of its industry peers.
MULT has a Return On Equity (11.21%) which is in line with its industry peers.
MULT has a Return On Invested Capital (2.39%) which is in line with its industry peers.
MULT had an Average Return On Invested Capital over the past 3 years of 3.37%. This 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
MULT's Profit Margin of 10.13% is in line compared to the rest of the industry. MULT outperforms 55.56% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
MULT has a Operating Margin (15.68%) which is in line with 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.
The number of shares outstanding for MULT remains at a similar level compared to 1 year ago.
The number of shares outstanding for MULT has been increased compared to 5 years ago.
The debt/assets ratio for MULT is higher compared to a year ago.
2.2 Solvency
MULT has an Altman-Z score of 0.62. 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 0.62 is fine compared to the rest of the industry. MULT outperforms 66.67% of its industry peers.
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 55.56% 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.
Looking at the Debt to Equity ratio, with a value of 3.77, MULT is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.62 |
ROIC/WACC0.32
WACC7.38%
2.3 Liquidity
A Current Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
MULT's Current ratio of 1.27 is fine compared to the rest of the industry. MULT outperforms 77.78% of its industry peers.
MULT has a Quick 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.
The Quick ratio of MULT (1.27) is better than 77.78% of its industry peers.
| 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.
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 -25.02%.
Measured over the past years, MULT shows a decrease in Revenue. The Revenue has been decreasing by -5.52% on average per year.
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
The Earnings Per Share is expected to grow by 19.82% on average over the next years. This is quite good.
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.
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
The Price/Earnings ratio is 6.10, which indicates a rather cheap valuation of MULT.
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 25.65, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.68, the valuation of MULT can be described as very cheap.
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.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.45, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.28 | ||
| EV/EBITDA | -2.6 |
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)0.23
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
MULT's Dividend Yield is rather good when compared to the industry average which is at 2.91. MULT pays more dividend than 88.89% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, MULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
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 (11/25/2025, 4:37:58 PM)
5.92
-0.15 (-2.47%)
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 Cap128.58M
Revenue(TTM)216.80M
Net Income(TTM)21.96M
Analysts84
Price Target10.71 (80.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.72% |
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)-3%
PT rev (3m)9.38%
EPS NQ rev (1m)22.92%
EPS NQ rev (3m)18%
EPS NY rev (1m)0%
EPS NY rev (3m)3.34%
Revenue NQ rev (1m)9.55%
Revenue NQ rev (3m)5.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.1 | ||
| Fwd PE | 4.68 | ||
| P/S | 0.59 | ||
| P/FCF | 1.28 | ||
| P/OCF | 1.13 | ||
| P/B | 0.66 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | -2.6 |
EPS(TTM)0.97
EY16.39%
EPS(NY)1.26
Fwd EY21.36%
FCF(TTM)4.64
FCFY78.4%
OCF(TTM)5.22
OCFY88.17%
SpS9.98
BVpS9.02
TBVpS7.45
PEG (NY)0.23
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 | 0.62 |
F-Score7
WACC7.38%
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%.