CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:CHG - DE0006618309 - Common Stock
41.5 EUR
+0.5 (+1.22%)
Overall CHG gets a fundamental rating of 3 out of 10. We evaluated CHG against 56 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 valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year CHG has reported negative net income.
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
With a Return On Assets value of -3.15%, CHG is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
With a Return On Equity value of -8.29%, CHG is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Gross Margin, with a value of 83.35%, CHG belongs to the top of the industry, outperforming 80.36% of the companies in the same industry.
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 | 83.35% |
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%
2. Health
2.1 Basic Checks
CHG does not have a ROIC to compare to the WACC, probably because it is not profitable.
CHG has more shares outstanding than it did 1 year ago.
CHG has more shares outstanding than it did 5 years ago.
CHG has a better debt/assets ratio than last year.
2.2 Solvency
CHG has an Altman-Z score of 1.30. This is a bad value and indicates that CHG is not financially healthy and even has some risk of bankruptcy.
CHG's Altman-Z score of 1.30 is in line compared to the rest of the industry. CHG outperforms 50.00% of its industry peers.
CHG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 3.87 | ||
| Altman-Z | 1.3 |
ROIC/WACCN/A
WACC7.1%
2.3 Liquidity
CHG has a Current 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 Current ratio (0.46) than 76.79% of its industry peers.
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 76.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.46 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
The earnings per share for CHG have decreased strongly by -130.68% in the last year.
Looking at the last year, CHG shows a very strong growth in Revenue. 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
CHG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.99% yearly.
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.
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 83.86, the valuation of CHG can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CHG indicates a slightly more expensive valuation: CHG is more expensive than 71.43% of the companies listed in the same industry.
CHG's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 83.86 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CHG is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.46 | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
CHG does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:CHG (12/30/2025, 7:00:00 PM)
41.5
+0.5 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners5.68%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap973.59M
Revenue(TTM)131.62M
Net Income(TTM)-18.63M
Analysts80
Price Target56.1 (35.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)14.58%
PT rev (3m)14.58%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)61.59%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)10.02%
Revenue NY rev (3m)10.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 83.86 | ||
| P/S | 7.4 | ||
| P/FCF | 37.46 | ||
| P/OCF | 32.01 | ||
| P/B | 4.33 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.78
EYN/A
EPS(NY)0.49
Fwd EY1.19%
FCF(TTM)1.11
FCFY2.67%
OCF(TTM)1.3
OCFY3.12%
SpS5.61
BVpS9.58
TBVpS-8.63
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.3 |
F-Score4
WACC7.1%
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 5Y53.98%
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.