MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.19 EUR
-0.45 (-6.78%)
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. MULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. MULT may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year MULT was profitable.
MULT had a positive operating cash flow in the past year.
MULT had positive earnings in 4 of the past 5 years.
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 (1.76%) which is comparable to the rest of the industry.
MULT has a Return On Equity of 11.21%. This is in the better half of the industry: MULT outperforms 70.00% of its industry peers.
MULT has a Return On Invested Capital of 2.39%. This is comparable to the rest of the industry: MULT outperforms 60.00% of 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 60.00% of its industry peers.
In the last couple of years the Profit Margin of MULT has declined.
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 90.00% 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
MULT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
Compared to 1 year ago, MULT has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.62, we must say that MULT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MULT (0.62) is comparable to the rest of the industry.
MULT has a debt to FCF ratio of 7.34. This is a slightly negative value and a sign of low solvency as MULT would need 7.34 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 7.34, MULT is doing good in the industry, outperforming 70.00% of the companies in the same industry.
A Debt/Equity ratio of 3.77 is on the high side and indicates that MULT has dependencies on debt financing.
MULT's Debt to Equity ratio of 3.77 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 | 3.77 | ||
| Debt/FCF | 7.34 | ||
| Altman-Z | 0.62 |
ROIC/WACC0.32
WACC7.4%
2.3 Liquidity
MULT has a Current 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.
Looking at the Current ratio, with a value of 1.27, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
A Quick Ratio of 1.27 indicates that MULT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.27, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 1.27 |
3. Growth
3.1 Past
MULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.59%, 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 -25.02%.
MULT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.52% yearly.
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
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
A Price/Earnings ratio of 6.38 indicates a rather cheap valuation of MULT.
MULT's Price/Earnings ratio is rather cheap when compared to the industry. MULT is cheaper than 100.00% of the companies in the same industry.
MULT is valuated cheaply when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.89, the valuation of MULT can be described as very cheap.
Based on the Price/Forward Earnings ratio, MULT is valued cheaper than 90.00% of the companies in the same industry.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 4.89 |
4.2 Price Multiples
MULT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. MULT is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.33 | ||
| EV/EBITDA | -2.55 |
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 19.82% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y23.22%
EPS Next 3Y19.82%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.46%.
MULT's Dividend Yield is rather good when compared to the industry average which is at 2.85. MULT pays more dividend than 90.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, MULT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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
42.90% 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.
DP42.9%
EPS Next 2Y23.22%
EPS Next 3Y19.82%
FRA:MULT (11/19/2025, 7:00:00 PM)
6.19
-0.45 (-6.78%)
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 Cap134.45M
Revenue(TTM)216.80M
Net Income(TTM)21.96M
Analysts84
Price Target11.04 (78.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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)0%
PT rev (3m)12.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4%
EPS NY rev (1m)0%
EPS NY rev (3m)3.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 4.89 | ||
| P/S | 0.62 | ||
| P/FCF | 1.33 | ||
| P/OCF | 1.19 | ||
| P/B | 0.69 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | -2.55 |
EPS(TTM)0.97
EY15.67%
EPS(NY)1.26
Fwd EY20.43%
FCF(TTM)4.64
FCFY74.98%
OCF(TTM)5.22
OCFY84.32%
SpS9.98
BVpS9.02
TBVpS7.45
PEG (NY)0.24
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
WACC7.4%
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 4 / 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 6 / 10 and the dividend payout ratio is 42.9%.