MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
6.68 EUR
+0.32 (+5.03%)
Overall MULT gets a fundamental rating of 4 out of 10. We evaluated MULT against 9 industry peers in the Consumer Finance industry. There are concerns on the financial health of MULT while its profitability can be described as average. MULT is valued quite cheap, while showing a decent growth score. This is a good combination! MULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MULT had positive earnings in the past year.
MULT had a positive operating cash flow in the past year.
Of the past 5 years MULT 4 years were profitable.
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
With a Return On Assets value of 1.77%, MULT perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
MULT has a Return On Equity (11.68%) which is comparable to the rest of the industry.
The Return On Invested Capital of MULT (2.13%) is comparable to the rest of the industry.
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
MULT's Profit Margin of 11.17% is in line compared to the rest of the industry. MULT outperforms 55.56% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
MULT has a Operating Margin (15.13%) which is in line with its industry peers.
In the last couple of years the Operating Margin of MULT has declined.
MULT has a Gross Margin of 104.75%. This is amongst the best in the industry. MULT outperforms 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.
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.
MULT has a worse debt/assets ratio than last year.
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.
MULT's Altman-Z score of 0.45 is fine compared to the rest of the industry. MULT outperforms 66.67% 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 77.78% 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.
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 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.42%
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 77.78% 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.
MULT has a Quick ratio of 1.04. This is in the better half of the industry: MULT outperforms 77.78% of its industry peers.
| 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.
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
MULT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.57% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 6.36, the valuation of MULT can be described as very cheap.
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.
The average S&P500 Price/Earnings ratio is at 27.17. MULT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.21, which indicates a rather cheap valuation of MULT.
MULT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. MULT is cheaper than 77.78% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MULT to the average of the S&P500 Index (23.79), we can say MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 5.21 |
4.2 Price Multiples
77.78% 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 | 2.28 | ||
| EV/EBITDA | -3.6 |
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)0.2
PEG (5Y)N/A
EPS Next 2Y24.09%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.10%, MULT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 1.76, MULT pays a better dividend. On top of this MULT pays more dividend than 88.89% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
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 (1/7/2026, 5:28:00 PM)
6.68
+0.32 (+5.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.88%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap145.09M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (64.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
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)2.86%
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)4.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 5.21 | ||
| P/S | 0.69 | ||
| P/FCF | 2.28 | ||
| P/OCF | 1.89 | ||
| P/B | 0.72 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | -3.6 |
EPS(TTM)1.05
EY15.72%
EPS(NY)1.28
Fwd EY19.2%
FCF(TTM)2.92
FCFY43.78%
OCF(TTM)3.53
OCFY52.82%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.2
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
WACC7.42%
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.
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 6.36 and the Price/Book (PB) ratio is 0.72.
What is the earnings growth outlook for MULTITUDE AG?
The Earnings per Share (EPS) of MULTITUDE AG (MULT.DE) is expected to grow by 32.24% in the next year.