CHG Fundamental Analysis - CHAPTERS GROUP AG

Fundamental Rating

Overall CHG gets a fundamental rating of 3 out of 10. We evaluated CHG against 47 industry peers in the Financial Services industry. While CHG seems to be doing ok healthwise, there are quite some concerns on its profitability. CHG shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

CHG had negative earnings in the past year.

CHG had a positive operating cash flow in the past year.

In multiple years CHG reported negative net income over the last 5 years.

The reported operating cash flow has been mixed in the past 5 years: CHG reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of CHG (-3.46%) is worse than 85.11% of its industry peers.

The Return On Equity of CHG (-5.46%) is worse than 82.98% of its industry peers.

		Industry Rank	Sector Rank
ROA	-3.46%
ROE	-5.46%
ROIC	N/A

ROA(3y)-3.47%

ROA(5y)-1.12%

ROE(3y)-5.22%

ROE(5y)-0.89%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Gross Margin value of 81.23%, CHG is doing good in the industry, outperforming 74.47% of the companies in the same industry.

In the last couple of years the Gross Margin of CHG has declined.

The Profit Margin and Operating Margin are not available for CHG so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	81.23%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y-4.07%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHG does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CHG has been increased compared to 1 year ago.

Compared to 5 years ago, CHG has more shares outstanding

CHG has a better debt/assets ratio than last year.

2.2 Solvency

An Altman-Z score of 4.77 indicates that CHG is not in any danger for bankruptcy at the moment.

Looking at the Altman-Z score, with a value of 4.77, CHG is in the better half of the industry, outperforming 76.60% of the companies in the same industry.

CHG has a debt to FCF ratio of 4.06. This is a neutral value as CHG would need 4.06 years to pay back of all of its debts.

The Debt to FCF ratio of CHG (4.06) is better than 74.47% of its industry peers.

A Debt/Equity ratio of 0.07 indicates that CHG is not too dependend on debt financing.

CHG's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. CHG outperforms 78.72% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	4.06
Altman-Z	4.77

ROIC/WACCN/A

WACC6.98%

2.3 Liquidity

A Current Ratio of 0.97 indicates that CHG may have some problems paying its short term obligations.

CHG has a Current ratio of 0.97. This is in the lower half of the industry: CHG underperforms 68.09% of its industry peers.

CHG has a Quick Ratio of 0.97. This is a bad value and indicates that CHG is not financially healthy enough and could expect problems in meeting its short term obligations.

CHG's Quick ratio of 0.92 is on the low side compared to the rest of the industry. CHG is outperformed by 63.83% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.97
Quick Ratio	0.92

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CHG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -48.47%.

Looking at the last year, CHG shows a very strong growth in Revenue. The Revenue has grown by 56.39%.

CHG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 308.75% yearly.

EPS 1Y (TTM)-48.47%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-116.32%

Revenue 1Y (TTM)56.39%

Revenue growth 3Y3228.95%

Revenue growth 5Y308.75%

Sales Q2Q%63.43%

3.2 Future

The Earnings Per Share is expected to grow by 94.37% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 22.27% on average over the next years. This is a very strong growth

EPS Next Y116.67%

EPS Next 2Y94.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year30.01%

Revenue Next 2Y22.27%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CHG. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 57.88 indicates a quite expensive valuation of CHG.

CHG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CHG is more expensive than 74.47% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 37.67, CHG is valued quite expensively.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	57.88

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CHG indicates a slightly more expensive valuation: CHG is more expensive than 70.21% of the companies listed in the same industry.

Based on the Price/Free Cash Flow ratio, CHG is valued a bit more expensive than the industry average as 65.96% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	73.13
EV/EBITDA	101.88

4.3 Compensation for Growth

CHG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CHG's earnings are expected to grow with 94.37% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y94.37%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for CHG!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CHAPTERS GROUP AG

FRA:CHG (7/28/2025, 4:28:00 PM)

45.6

+2.6 (+6.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-22 2025-05-22

Earnings (Next)N/A N/A

Inst Owners6.79%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap1.07B

Analysts80

Price Target49.98 (9.61%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

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)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

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)36.11%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	57.88
P/S	9.67
P/FCF	73.13
P/OCF	55.91
P/B	4.77
P/tB	63.28
EV/EBITDA	101.88

EPS(TTM)-0.54

EYN/A

EPS(NY)0.79

Fwd EY1.73%

FCF(TTM)0.62

FCFY1.37%

OCF(TTM)0.82

OCFY1.79%

SpS4.72

BVpS9.57

TBVpS0.72

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-3.46%
ROE	-5.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	81.23%
FCFM	13.22%

ROA(3y)-3.47%

ROA(5y)-1.12%

ROE(3y)-5.22%

ROE(5y)-0.89%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5Y-4.07%

F-Score4

Asset Turnover0.31

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	4.06
Debt/EBITDA	1.64
Cap/Depr	22.14%
Cap/Sales	4.07%
Interest Coverage	N/A
Cash Conversion	196.18%
Profit Quality	N/A
Current Ratio	0.97
Quick Ratio	0.92
Altman-Z	4.77

F-Score4

WACC6.98%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-48.47%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-116.32%

EPS Next Y116.67%

EPS Next 2Y94.37%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)56.39%

Revenue growth 3Y3228.95%

Revenue growth 5Y308.75%

Sales Q2Q%63.43%

Revenue Next Year30.01%

Revenue Next 2Y22.27%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-106.07%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year162.04%

EBIT Next 3Y54.75%

EBIT Next 5Y59.64%

FCF growth 1Y59.09%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y50.05%

OCF growth 3YN/A

OCF growth 5YN/A

CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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