MULTITUDE AG (MULT.DE) Stock Fundamental Analysis

FRA:MULT • CH1398992755

6.26 EUR
-0.13 (-2.03%)
Last: Feb 20, 2026, 05:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, MULT scores 4 out of 10 in our fundamental rating. MULT was compared to 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on MULT. MULT also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

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.
  • 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.
MULT.DE Yearly Net Income VS EBIT VS OCF VS FCFMULT.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

  • MULT has a Return On Assets (1.77%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 11.68%, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 2.13%, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 3.98%.
Industry RankSector 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%
MULT.DE Yearly ROA, ROE, ROICMULT.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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.
  • Looking at the Operating Margin, with a value of 15.13%, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of MULT has declined.
  • MULT has a better Gross Margin (104.75%) than 100.00% of its industry peers.
Industry RankSector 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
MULT.DE Yearly Profit, Operating, Gross MarginsMULT.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MULT is destroying value.
  • Compared to 1 year ago, MULT has about the same amount of shares outstanding.
  • MULT has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for MULT is higher compared to a year ago.
MULT.DE Yearly Shares OutstandingMULT.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
MULT.DE Yearly Total Debt VS Total AssetsMULT.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.45, we must say that MULT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.45, MULT is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
  • The Debt to FCF ratio of MULT is 14.03, which is on the high side as it means it would take MULT, 14.03 years of fcf income to pay off all of its debts.
  • MULT's Debt to FCF ratio of 14.03 is on the low side compared to the rest of the industry. MULT is outperformed by 60.00% of its industry peers.
  • MULT has a Debt/Equity ratio of 4.42. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of MULT (4.42) is worse than 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Altman-Z 0.45
ROIC/WACC0.29
WACC7.43%
MULT.DE Yearly LT Debt VS Equity VS FCFMULT.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

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.
  • The Current ratio of MULT (1.04) is better than 70.00% 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.
  • With a decent Quick ratio value of 1.04, MULT is doing good in the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
MULT.DE Yearly Current Assets VS Current LiabilitesMULT.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 58.06% 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.
  • MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.24%.
  • MULT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.52% yearly.
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 19.68% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.65% on average over the next years.
EPS Next Y23.67%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
EPS Next 5YN/A
Revenue Next Year2.63%
Revenue Next 2Y2.93%
Revenue Next 3Y3.65%
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.
MULT.DE Yearly Revenue VS EstimatesMULT.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
MULT.DE Yearly EPS VS EstimatesMULT.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • MULT is valuated cheaply with a Price/Earnings ratio of 5.96.
  • Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of MULT to the average of the S&P500 Index (27.09), we can say MULT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.16, the valuation of MULT can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, MULT is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. MULT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.96
Fwd PE 5.16
MULT.DE Price Earnings VS Forward Price EarningsMULT.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • MULT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MULT is cheaper than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.14
EV/EBITDA -3.59
MULT.DE Per share dataMULT.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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 19.68% in the coming years.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y20.71%
EPS Next 3Y19.68%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • MULT has a Yearly Dividend Yield of 3.92%. 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 1.57. MULT pays more dividend than 90.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, MULT pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.92%

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
MULT.DE Yearly Dividends per shareMULT.DE Yearly Dividends per shareYearly Dividends per share 2025 0.1 0.2 0.3 0.4

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.
  • The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.13%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
MULT.DE Yearly Income VS Free CF VS DividendMULT.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
MULT.DE Dividend Payout.MULT.DE Dividend Payout, showing the Payout Ratio.MULT.DE Dividend Payout.PayoutRetained Earnings

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MULTITUDE AG

FRA:MULT (2/20/2026, 5:17:45 PM)

6.26

-0.13 (-2.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-13
Earnings (Next)N/A
Inst Owners23.88%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap135.97M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (76.04%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
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%
PT rev (3m)-0.23%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-30.43%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.78%
Valuation
Industry RankSector Rank
PE 5.96
Fwd PE 5.16
P/S 0.65
P/FCF 2.14
P/OCF 1.77
P/B 0.68
P/tB 0.82
EV/EBITDA -3.59
EPS(TTM)1.05
EY16.77%
EPS(NY)1.21
Fwd EY19.39%
FCF(TTM)2.92
FCFY46.72%
OCF(TTM)3.53
OCFY56.36%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.25
PEG (5Y)N/A
Graham Number14.78
Profitability
Industry RankSector 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 RankSector 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
WACC7.43%
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 Y23.67%
EPS Next 2Y20.71%
EPS Next 3Y19.68%
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.


What is the valuation status of MULTITUDE AG (MULT.DE) stock?

ChartMill assigns a valuation rating of 7 / 10 to MULTITUDE AG (MULT.DE). This can be considered as Undervalued.


What is the profitability of MULT stock?

MULTITUDE AG (MULT.DE) has a profitability rating of 4 / 10.


What is the valuation of MULTITUDE AG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for MULTITUDE AG (MULT.DE) is 5.96 and the Price/Book (PB) ratio is 0.68.


What is the earnings growth outlook for MULTITUDE AG?

The Earnings per Share (EPS) of MULTITUDE AG (MULT.DE) is expected to grow by 23.67% in the next year.