CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis
Europe - FRA:CHG - DE0006618309 - Common Stock
38 EUR
+2.1 (+5.85%)
Taking everything into account, CHG scores 3 out of 10 in our fundamental rating. CHG was compared to 52 industry peers in the Financial Services industry. While CHG seems to be doing ok healthwise, there are quite some concerns on its profitability. CHG is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
CHG had negative earnings in the past year.
In the past year CHG had a positive cash flow from operations.
In multiple years CHG reported negative net income over the last 5 years.
In multiple years CHG reported negative operating cash flow during the last 5 years.
1.2 Ratios
CHG's Return On Assets of -3.14% is on the low side compared to the rest of the industry. CHG is outperformed by 76.92% of its industry peers.
Looking at the Return On Equity, with a value of -8.24%, CHG is doing worse than 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.14% | ||
| ROE | -8.24% | ||
| ROIC | N/A |
ROA(3y)-3.35%
ROA(5y)-1.05%
ROE(3y)-5.04%
ROE(5y)-0.78%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CHG's Gross Margin of 83.55% is fine compared to the rest of the industry. CHG outperforms 78.85% of its industry peers.
CHG's Gross Margin has declined in the last couple of years.
CHG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 83.55% |
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%
2. Health
2.1 Basic Checks
CHG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CHG has more shares outstanding
Compared to 5 years ago, CHG has more shares outstanding
CHG has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.09, we must say that CHG is in the distress zone and has some risk of bankruptcy.
CHG has a Altman-Z score (1.09) which is comparable to the rest of the industry.
There is no outstanding debt for CHG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 3.92 | ||
| Altman-Z | 1.09 |
ROIC/WACCN/A
WACC7.12%
2.3 Liquidity
A Current Ratio of 0.46 indicates that CHG may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.46, CHG is doing worse than 78.85% of the companies in the same industry.
CHG has a Quick Ratio of 0.46. 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 has a worse Quick ratio (0.39) than 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
CHG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -132.35%.
The Revenue has grown by 51.09% in the past year. This is a very strong growth!
CHG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 308.75% yearly.
EPS 1Y (TTM)-132.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
Revenue 1Y (TTM)51.09%
Revenue growth 3Y3228.95%
Revenue growth 5Y308.75%
Sales Q2Q%41.94%
3.2 Future
CHG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.16% yearly.
Based on estimates for the next years, CHG will show a very strong growth in Revenue. The Revenue will grow by 34.36% on average per year.
EPS Next Y-286.49%
EPS Next 2Y3.98%
EPS Next 3Y16.17%
EPS Next 5YN/A
Revenue Next Year43.75%
Revenue Next 2Y39.31%
Revenue Next 3Y34.36%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for CHG. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 94.06, which means the current valuation is very expensive for CHG.
Based on the Price/Forward Earnings ratio, CHG is valued a bit more expensive than the industry average as 67.31% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, CHG is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 94.06 |
4.2 Price Multiples
CHG's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CHG is more expensive than 65.38% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as CHG.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.57 | ||
| EV/EBITDA | 632.52 |
4.3 Compensation for Growth
CHG's earnings are expected to grow with 16.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.98%
EPS Next 3Y16.17%
5. Dividend
5.1 Amount
CHG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:CHG (11/21/2025, 7:00:00 PM)
38
+2.1 (+5.85%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners6.05%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap891.48M
Revenue(TTM)131.65M
Net Income(TTM)-18.55M
Analysts80
Price Target48.96 (28.84%)
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)-2.04%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-187.5%
EPS NY rev (3m)-188.46%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 94.06 | ||
| P/S | 6.77 | ||
| P/FCF | 34.57 | ||
| P/OCF | 29.5 | ||
| P/B | 3.98 | ||
| P/tB | N/A | ||
| EV/EBITDA | 632.52 |
EPS(TTM)-0.79
EYN/A
EPS(NY)0.4
Fwd EY1.06%
FCF(TTM)1.1
FCFY2.89%
OCF(TTM)1.29
OCFY3.39%
SpS5.61
BVpS9.55
TBVpS-8.65
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.14% | ||
| ROE | -8.24% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 83.55% | ||
| FCFM | 19.59% |
ROA(3y)-3.35%
ROA(5y)-1.05%
ROE(3y)-5.04%
ROE(5y)-0.78%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 3.92 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 15.71% | ||
| Cap/Sales | 3.36% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 2026.56% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.39 | ||
| Altman-Z | 1.09 |
F-Score4
WACC7.12%
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)-132.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
EPS Next Y-286.49%
EPS Next 2Y3.98%
EPS Next 3Y16.17%
EPS Next 5YN/A
Revenue 1Y (TTM)51.09%
Revenue growth 3Y3228.95%
Revenue growth 5Y308.75%
Sales Q2Q%41.94%
Revenue Next Year43.75%
Revenue Next 2Y39.31%
Revenue Next 3Y34.36%
Revenue Next 5YN/A
EBIT growth 1Y-384.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year55.47%
EBIT Next 3Y67.08%
EBIT Next 5Y53.95%
FCF growth 1Y53.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y46.15%
OCF growth 3YN/A
OCF growth 5YN/A
CHAPTERS GROUP AG / CHG.DE FAQ
Can you provide the ChartMill fundamental rating for CHAPTERS GROUP AG?
ChartMill assigns a fundamental rating of 3 / 10 to CHG.DE.
What is the valuation status of CHAPTERS GROUP AG (CHG.DE) stock?
ChartMill assigns a valuation rating of 1 / 10 to CHAPTERS GROUP AG (CHG.DE). This can be considered as Overvalued.
Can you provide the profitability details for CHAPTERS GROUP AG?
CHAPTERS GROUP AG (CHG.DE) has a profitability rating of 1 / 10.
Can you provide the expected EPS growth for CHG stock?
The Earnings per Share (EPS) of CHAPTERS GROUP AG (CHG.DE) is expected to decline by -286.49% in the next year.