CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis
Europe - FRA:CHG - DE0006618309 - Common Stock
37.3 EUR
-0.9 (-2.36%)
We assign a fundamental rating of 3 out of 10 to CHG. CHG was compared to 50 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. While showing a medium growth rate, CHG is valued expensive at the moment.
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 78.00% of its industry peers.
Looking at the Return On Equity, with a value of -5.46%, CHG is doing worse than 76.00% of the companies in the same industry.
| 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 78.00% 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%
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.
Compared to 5 years ago, CHG has more shares outstanding
The debt/assets ratio for CHG has been reduced compared to a year ago.
2.2 Solvency
CHG has an Altman-Z score of 4.25. This indicates that CHG is financially healthy and has little risk of bankruptcy at the moment.
CHG has a Altman-Z score of 4.25. This is amongst the best in the industry. CHG outperforms 84.00% of its industry peers.
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.
With a decent Debt to FCF ratio value of 4.06, CHG is doing good in the industry, outperforming 70.00% of the companies in the same industry.
CHG has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.07, CHG is doing good in the industry, outperforming 76.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | 4.25 |
ROIC/WACCN/A
WACC7.12%
2.3 Liquidity
A Current Ratio of 0.97 indicates that CHG may have some problems paying its short term obligations.
With a Current ratio value of 0.97, CHG is not doing good in the industry: 76.00% of the companies in the same industry are doing better.
A Quick Ratio of 0.92 indicates that CHG may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.92, CHG is doing worse than 76.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.97 | ||
| Quick Ratio | 0.92 |
3. Growth
3.1 Past
The earnings per share for CHG have decreased strongly by -48.47% in the last year.
CHG shows a strong growth in Revenue. In the last year, 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
CHG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.49% yearly.
CHG is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 34.36% yearly.
EPS Next Y-164.86%
EPS Next 2Y3.98%
EPS Next 3Y15.49%
EPS Next 5YN/A
Revenue Next Year43.75%
Revenue Next 2Y39.31%
Revenue Next 3Y34.36%
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.
Also next year CHG is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CHG is valued a bit more expensive than the industry average as 62.00% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, CHG is valued a bit more expensive than 66.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 59.82 | ||
| EV/EBITDA | 90.34 |
4.3 Compensation for Growth
A more expensive valuation may be justified as CHG's earnings are expected to grow with 15.49% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.98%
EPS Next 3Y15.49%
5. Dividend
5.1 Amount
No dividends for CHG!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:CHG (10/24/2025, 5:28:31 PM)
37.3
-0.9 (-2.36%)
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 Cap875.06M
Revenue(TTM)110.67M
Net Income(TTM)-12247400
Analysts80
Price Target48.96 (31.26%)
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)-118.18%
EPS NY rev (3m)-130.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 7.91 | ||
| P/FCF | 59.82 | ||
| P/OCF | 45.74 | ||
| P/B | 3.9 | ||
| P/tB | 51.76 | ||
| EV/EBITDA | 90.34 |
EPS(TTM)-0.54
EYN/A
EPS(NY)-0.24
Fwd EYN/A
FCF(TTM)0.62
FCFY1.67%
OCF(TTM)0.82
OCFY2.19%
SpS4.72
BVpS9.57
TBVpS0.72
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
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 Turnover0.31
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 | 4.25 |
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)-48.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-116.32%
EPS Next Y-164.86%
EPS Next 2Y3.98%
EPS Next 3Y15.49%
EPS Next 5YN/A
Revenue 1Y (TTM)56.39%
Revenue growth 3Y3228.95%
Revenue growth 5Y308.75%
Sales Q2Q%63.43%
Revenue Next Year43.75%
Revenue Next 2Y39.31%
Revenue Next 3Y34.36%
Revenue Next 5YN/A
EBIT growth 1Y-106.07%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year55.47%
EBIT Next 3Y67.08%
EBIT Next 5Y53.71%
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
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 0 / 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 -164.86% in the next year.