MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
5.97 EUR
+0.1 (+1.7%)
We assign a fundamental rating of 4 out of 10 to MULT. MULT was compared to 10 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
In the past year MULT was profitable.
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
Looking at the Return On Assets, with a value of 1.77%, MULT is in line with its industry, outperforming 50.00% of the companies in the same industry.
With a Return On Equity value of 11.68%, MULT perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
MULT has a Return On Invested Capital (2.13%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for MULT is in line with the industry average of 4.39%.
| 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's Profit Margin of 11.17% is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
MULT has a Operating Margin of 15.13%. This is comparable 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.
Looking at the Gross Margin, with a value of 104.75%, MULT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| 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.
MULT has about the same amout of shares outstanding than it did 1 year ago.
MULT has more shares outstanding than it did 5 years ago.
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.
The Altman-Z score of MULT (0.45) is better 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 Debt to FCF ratio of 14.03. This is in the lower half of the industry: MULT underperforms 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.
With a Debt to Equity ratio value of 4.42, MULT is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.37%
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.
Looking at the Current 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.
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.
MULT has a Quick ratio of 1.04. This is in the better half of the industry: MULT outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.04 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 58.06% over the past year.
MULT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.53% yearly.
The Revenue for MULT has decreased by -26.24% in the past year. This is quite bad
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
The Earnings Per Share is expected to grow by 21.57% on average over the next years. This is a very strong growth
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.
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 5.69, which indicates a rather cheap valuation of MULT.
Based on the Price/Earnings ratio, MULT is valued cheaper than 100.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, MULT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.65, 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 somewhat cheap valuation: MULT is cheaper than 80.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.69 | ||
| Fwd PE | 4.65 |
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 80.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.04 | ||
| EV/EBITDA | -3.79 |
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 21.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y24.09%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 4.05%, which is a nice return.
Compared to an average industry Dividend Yield of 2.75, MULT pays a better dividend. On top of this MULT pays more dividend than 90.00% 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 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
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 40.13% of its income as dividend. 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 2Y24.09%
EPS Next 3Y21.57%
FRA:MULT (12/9/2025, 7:00:00 PM)
5.97
+0.1 (+1.7%)
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 Cap129.67M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (84.59%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.05% |
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)-20%
EPS NY rev (1m)4.85%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-8.77%
Revenue NQ rev (3m)-10.34%
Revenue NY rev (1m)1.78%
Revenue NY rev (3m)0.54%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.69 | ||
| Fwd PE | 4.65 | ||
| P/S | 0.62 | ||
| P/FCF | 2.04 | ||
| P/OCF | 1.69 | ||
| P/B | 0.65 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | -3.79 |
EPS(TTM)1.05
EY17.59%
EPS(NY)1.28
Fwd EY21.48%
FCF(TTM)2.92
FCFY48.99%
OCF(TTM)3.53
OCFY59.1%
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%.