CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis

FRA:CHG • DE0006618309

28.3 EUR
-0.3 (-1.05%)
Last: Feb 18, 2026, 05:24 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

CHG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 58 industry peers in the Financial Services industry. CHG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CHG is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year CHG has reported negative net income.
  • In the past year CHG had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CHG reported negative net income in multiple years.
  • In multiple years CHG reported negative operating cash flow during the last 5 years.
CHG.DE Yearly Net Income VS EBIT VS OCF VS FCFCHG.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 10M -10M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -3.15%, CHG is doing worse than 81.03% of the companies in the same industry.
  • CHG has a Return On Equity of -8.29%. This is in the lower half of the industry: CHG underperforms 77.59% of its industry peers.
Industry RankSector Rank
ROA -3.15%
ROE -8.29%
ROIC N/A
ROA(3y)-3.4%
ROA(5y)-1.08%
ROE(3y)-5.1%
ROE(5y)-0.82%
ROIC(3y)N/A
ROIC(5y)N/A
CHG.DE Yearly ROA, ROE, ROICCHG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

1.3 Margins

  • Looking at the Gross Margin, with a value of 83.35%, CHG belongs to the top of the industry, outperforming 81.03% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CHG has declined.
  • CHG does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 83.35%
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%
CHG.DE Yearly Profit, Operating, Gross MarginsCHG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20K -20K 40K -40K 60K

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4

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
  • The number of shares outstanding for CHG has been increased compared to 5 years ago.
  • CHG has a better debt/assets ratio than last year.
CHG.DE Yearly Shares OutstandingCHG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
CHG.DE Yearly Total Debt VS Total AssetsCHG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • CHG has an Altman-Z score of 0.80. This is a bad value and indicates that CHG is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of CHG (0.80) is comparable to the rest of the industry.
  • CHG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 3.87
Altman-Z 0.8
ROIC/WACCN/A
WACC7.17%
CHG.DE Yearly LT Debt VS Equity VS FCFCHG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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 77.59% of the companies in the same industry.
  • A Quick Ratio of 0.39 indicates that CHG may have some problems paying its short term obligations.
  • CHG has a worse Quick ratio (0.39) than 77.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.46
Quick Ratio 0.39
CHG.DE Yearly Current Assets VS Current LiabilitesCHG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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

7

3. Growth

3.1 Past

  • The earnings per share for CHG have decreased strongly by -130.68% in the last year.
  • CHG shows a strong growth in Revenue. In the last year, the Revenue has grown by 51.05%.
  • Measured over the past years, CHG shows a very strong growth in Revenue. The Revenue has been growing by 308.75% on average per year.
EPS 1Y (TTM)-130.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-199.34%
Revenue 1Y (TTM)51.05%
Revenue growth 3Y3228.95%
Revenue growth 5Y308.75%
Sales Q2Q%41.87%

3.2 Future

  • The Earnings Per Share is expected to grow by 25.99% on average over the next years. This is a very strong growth
  • CHG is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 39.26% yearly.
EPS Next Y-171.62%
EPS Next 2Y15.08%
EPS Next 3Y25.99%
EPS Next 5YN/A
Revenue Next Year58.16%
Revenue Next 2Y47%
Revenue Next 3Y39.26%
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.
CHG.DE Yearly Revenue VS EstimatesCHG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
CHG.DE Yearly EPS VS EstimatesCHG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 0 0.2 -0.2 0.4 0.6

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1

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for CHG. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 57.18, the valuation of CHG can be described as expensive.
  • Based on the Price/Forward Earnings ratio, CHG is valued a bit more expensive than 72.41% of the companies in the same industry.
  • CHG is valuated expensively when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 57.18
CHG.DE Price Earnings VS Forward Price EarningsCHG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40

4.2 Price Multiples

  • CHG's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 25.55
EV/EBITDA N/A
CHG.DE Per share dataCHG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5

4.3 Compensation for Growth

  • A more expensive valuation may be justified as CHG's earnings are expected to grow with 25.99% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.08%
EPS Next 3Y25.99%

More info and screens

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

0

5. Dividend

5.1 Amount

  • CHG does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CHAPTERS GROUP AG

FRA:CHG (2/18/2026, 5:24:32 PM)

28.3

-0.3 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-22
Earnings (Next)N/A
Inst Owners5.58%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap663.92M
Revenue(TTM)131.62M
Net Income(TTM)-18.63M
Analysts80
Price Target56.1 (98.23%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)14.58%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)61.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 57.18
P/S 5.04
P/FCF 25.55
P/OCF 21.83
P/B 2.95
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.78
EYN/A
EPS(NY)0.49
Fwd EY1.75%
FCF(TTM)1.11
FCFY3.91%
OCF(TTM)1.3
OCFY4.58%
SpS5.61
BVpS9.58
TBVpS-8.63
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -3.15%
ROE -8.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 83.35%
FCFM 19.75%
ROA(3y)-3.4%
ROA(5y)-1.08%
ROE(3y)-5.1%
ROE(5y)-0.82%
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 RankSector Rank
Debt/Equity 0
Debt/FCF 3.87
Debt/EBITDA N/A
Cap/Depr 15.68%
Cap/Sales 3.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.46
Quick Ratio 0.39
Altman-Z 0.8
F-Score4
WACC7.17%
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)-130.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-199.34%
EPS Next Y-171.62%
EPS Next 2Y15.08%
EPS Next 3Y25.99%
EPS Next 5YN/A
Revenue 1Y (TTM)51.05%
Revenue growth 3Y3228.95%
Revenue growth 5Y308.75%
Sales Q2Q%41.87%
Revenue Next Year58.16%
Revenue Next 2Y47%
Revenue Next 3Y39.26%
Revenue Next 5YN/A
EBIT growth 1Y-273.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year139.42%
EBIT Next 3Y76.91%
EBIT Next 5Y52.94%
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 FAQ

What is the ChartMill fundamental rating of CHAPTERS GROUP AG (CHG.DE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CHG.DE.


What is the valuation status for CHG stock?

ChartMill assigns a valuation rating of 1 / 10 to CHAPTERS GROUP AG (CHG.DE). This can be considered as Overvalued.


How profitable is CHAPTERS GROUP AG (CHG.DE) stock?

CHAPTERS GROUP AG (CHG.DE) has a profitability rating of 2 / 10.


What is the financial health of CHAPTERS GROUP AG (CHG.DE) stock?

The financial health rating of CHAPTERS GROUP AG (CHG.DE) is 4 / 10.