MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
6 EUR
-0.15 (-2.44%)
We assign a fundamental rating of 4 out of 10 to MULT. MULT was compared to 10 industry peers in the Consumer Finance industry. There are concerns on the financial health of MULT while its profitability can be described as average. 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.
In the past year MULT had a positive cash flow from operations.
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 1.77%. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
MULT has a Return On Equity (11.68%) which is comparable to the rest of the industry.
MULT has a Return On Invested Capital of 2.13%. This is comparable to the rest of the industry: MULT outperforms 60.00% 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 4.39%.
| 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
With a Profit Margin value of 11.17%, MULT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
MULT's Profit Margin has declined in the last couple of years.
MULT's Operating Margin of 15.13% is in line compared to the rest of the industry. MULT outperforms 60.00% of its industry peers.
MULT's Operating Margin has declined in the last couple of years.
MULT has a better Gross Margin (104.75%) than 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
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.
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 0.45. 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 70.00% 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 70.00% 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.
MULT's Debt to Equity ratio of 4.42 is on the low side compared to the rest of the industry. MULT is outperformed by 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.37%
2.3 Liquidity
A Current Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
The Current ratio of MULT (1.04) is better than 80.00% of its industry peers.
MULT has a Quick 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.
Looking at the Quick ratio, with a value of 1.04, MULT is in the better half of the industry, outperforming 80.00% 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.
MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.24%.
The Revenue has been decreasing by -5.52% on average over the past years.
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 very strong growth in Earnings Per Share. The EPS will grow by 21.57% on average per year.
MULT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.65% yearly.
EPS Next Y32.24%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.71 indicates a rather cheap valuation of MULT.
Compared to the rest of the industry, the Price/Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of MULT to the average of the S&P500 Index (26.56), we can say MULT is valued rather cheaply.
The Price/Forward Earnings ratio is 4.68, which indicates a rather cheap valuation of MULT.
80.00% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.71 | ||
| Fwd PE | 4.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.05 | ||
| EV/EBITDA | -3.78 |
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 21.57% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y24.09%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.90%, MULT has a reasonable but not impressive dividend return.
MULT's Dividend Yield is rather good when compared to the industry average which is at 1.80. MULT pays more dividend than 90.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, MULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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.
The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.13%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
FRA:MULT (12/12/2025, 7:00:00 PM)
6
-0.15 (-2.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.82%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap130.32M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (83.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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)-0.23%
PT rev (3m)-0.23%
EPS NQ rev (1m)-30.43%
EPS NQ rev (3m)-30.43%
EPS NY rev (1m)4.85%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-8.77%
Revenue NQ rev (3m)-8.77%
Revenue NY rev (1m)1.78%
Revenue NY rev (3m)1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.71 | ||
| Fwd PE | 4.68 | ||
| P/S | 0.62 | ||
| P/FCF | 2.05 | ||
| P/OCF | 1.7 | ||
| P/B | 0.65 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | -3.78 |
EPS(TTM)1.05
EY17.5%
EPS(NY)1.28
Fwd EY21.38%
FCF(TTM)2.92
FCFY48.74%
OCF(TTM)3.53
OCFY58.81%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.18
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
WACC7.37%
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 Y32.24%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
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.
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 8 / 10 and the dividend payout ratio is 40.13%.