MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
Europe - FRA:MULT - CH1398992755 - Common Stock
6.99 EUR
+0.02 (+0.29%)
MULT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 8 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.
1. Profitability
1.1 Basic Checks
In the past year MULT was profitable.
MULT had a positive operating cash flow in the past year.
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
MULT has a Return On Assets of 1.53%. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
MULT has a better Return On Equity (9.35%) than 75.00% of its industry peers.
The Return On Invested Capital of MULT (2.37%) is better than 62.50% 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 4.43%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROIC | 2.37% |
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 of 8.56%. This is in the better half of the industry: MULT outperforms 75.00% of its industry peers.
In the last couple of years the Profit Margin of MULT has declined.
The Operating Margin of MULT (14.95%) is better than 62.50% of its industry peers.
In the last couple of years the Operating Margin of MULT has declined.
The Gross Margin of MULT (101.83%) is better than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% |
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.
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
Based on the Altman-Z score of 0.61, we must say that MULT is in the distress zone and has some risk of bankruptcy.
MULT's Altman-Z score of 0.61 is fine compared to the rest of the industry. MULT outperforms 75.00% of its industry peers.
MULT has a debt to FCF ratio of 8.97. This is a slightly negative value and a sign of low solvency as MULT would need 8.97 years to pay back of all of its debts.
MULT has a Debt to FCF ratio of 8.97. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
A Debt/Equity ratio of 3.86 is on the high side and indicates that MULT has dependencies on debt financing.
MULT has a Debt to Equity ratio of 3.86. This is in the lower half of the industry: MULT underperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.32
WACC7.52%
2.3 Liquidity
A Current Ratio of 1.20 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Current ratio of 1.20. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
A Quick Ratio of 1.20 indicates that MULT should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.20, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.33% over the past year.
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 -36.30% in the past year. This is quite bad
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)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
3.2 Future
MULT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.11% yearly.
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.04% on average per year.
EPS Next Y30.41%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
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
The Price/Earnings ratio is 8.42, which indicates a very decent valuation of MULT.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
MULT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.27.
The Price/Forward Earnings ratio is 5.43, which indicates a rather cheap valuation of MULT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 87.50% of the companies listed in the same industry.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 5.43 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than MULT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.76 | ||
| EV/EBITDA | -2.74 |
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 20.11% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y24.33%
EPS Next 3Y20.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.56%, MULT has a reasonable but not impressive dividend return.
MULT's Dividend Yield is a higher than the industry average which is at 4.00.
Compared to an average S&P500 Dividend Yield of 2.38, MULT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
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
21.95% of the earnings are spent on dividend by MULT. This is a low number and sustainable payout ratio.
MULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.95%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
FRA:MULT (9/15/2025, 7:00:00 PM)
6.99
+0.02 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.12%
Inst Owner ChangeN/A
Ins Owners57.33%
Ins Owner ChangeN/A
Market Cap151.82M
Analysts84
Price Target11.04 (57.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.56% |
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP21.95%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.93%
Min EPS beat(2)-5.46%
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)4.01%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)13.61%
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)12.76%
PT rev (3m)12.76%
EPS NQ rev (1m)5%
EPS NQ rev (3m)5%
EPS NY rev (1m)6.86%
EPS NY rev (3m)6.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.39%
Revenue NY rev (1m)-1.22%
Revenue NY rev (3m)-4.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 5.43 | ||
| P/S | 0.69 | ||
| P/FCF | 1.76 | ||
| P/OCF | 1.54 | ||
| P/B | 0.76 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | -2.74 |
EPS(TTM)0.83
EY11.87%
EPS(NY)1.29
Fwd EY18.42%
FCF(TTM)3.98
FCFY56.95%
OCF(TTM)4.55
OCFY65.15%
SpS10.09
BVpS9.24
TBVpS7.69
PEG (NY)0.28
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROCE | 6.18% | ||
| ROIC | 2.37% | ||
| ROICexc | 3.36% | ||
| ROICexgc | 3.5% | ||
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% | ||
| FCFM | 39.46% |
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%
ROICexcg growth 3Y-31.02%
ROICexcg 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-Score4
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Debt/EBITDA | 17.19 | ||
| Cap/Depr | 101.39% | ||
| Cap/Sales | 5.68% | ||
| Interest Coverage | 0.74 | ||
| Cash Conversion | 219.71% | ||
| Profit Quality | 461.13% | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | 0.61 |
F-Score4
WACC7.52%
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)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
EPS Next Y30.41%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
Revenue Next Year0.83%
Revenue Next 2Y2.59%
Revenue Next 3Y3.04%
Revenue Next 5YN/A
EBIT growth 1Y-3.01%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year68.54%
EBIT Next 3Y15.12%
EBIT Next 5Y11.06%
FCF growth 1Y90.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y74.66%
OCF growth 3YN/A
OCF growth 5YN/A