CHAPTERS GROUP AG (CHG.DE) Stock Fundamental Analysis
Europe - FRA:CHG - DE0006618309 - Common Stock
38.5 EUR
+0.4 (+1.05%)
Taking everything into account, CHG scores 3 out of 10 in our fundamental rating. CHG was compared to 51 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 quite expensive at the moment. 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.
The reported net income has been mixed in the past 5 years: CHG reported negative net income in multiple 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
CHG's Return On Assets of -3.24% is on the low side compared to the rest of the industry. CHG is outperformed by 80.39% of its industry peers.
CHG's Return On Equity of -5.11% is on the low side compared to the rest of the industry. CHG is outperformed by 74.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.24% | ||
| ROE | -5.11% | ||
| 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 81.23%, CHG is in the better half of the industry, outperforming 78.43% 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 | 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 4.24. This indicates that CHG is financially healthy and has little risk of bankruptcy at the moment.
CHG's Altman-Z score of 4.24 is fine compared to the rest of the industry. CHG outperforms 78.43% of its industry peers.
The Debt to FCF ratio of CHG is 4.06, which is a neutral value as it means it would take CHG, 4.06 years of fcf income to pay off all of its debts.
CHG has a better Debt to FCF ratio (4.06) than 68.63% of its industry peers.
CHG has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.
CHG's Debt to Equity ratio of 0.07 is fine compared to the rest of the industry. CHG outperforms 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 4.06 | ||
| Altman-Z | 4.24 |
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.
CHG's Current ratio of 0.97 is on the low side compared to the rest of the industry. CHG is outperformed by 78.43% 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.
Looking at the Quick ratio, with a value of 0.92, CHG is doing worse than 78.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.97 | ||
| Quick Ratio | 0.92 |
3. Growth
3.1 Past
CHG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.16%.
The Revenue has grown by 56.39% in the past year. This is a very strong growth!
The Revenue has been growing by 308.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-35.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-138.59%
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.
The Revenue is expected to grow by 34.36% on average over the next years. This is a very strong growth
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
CHG reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 64.71% of the companies are valued more cheaply.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHG indicates a slightly more expensive valuation: CHG is more expensive than 64.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 61.74 | ||
| EV/EBITDA | 90.1 |
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 (10/28/2025, 3:38:28 PM)
38.5
+0.4 (+1.05%)
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 Cap903.21M
Revenue(TTM)110.67M
Net Income(TTM)-11469300
Analysts80
Price Target48.96 (27.17%)
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)0%
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 | 8.16 | ||
| P/FCF | 61.74 | ||
| P/OCF | 47.21 | ||
| P/B | 4.02 | ||
| P/tB | 53.43 | ||
| EV/EBITDA | 90.1 |
EPS(TTM)-0.49
EYN/A
EPS(NY)-0.24
Fwd EYN/A
FCF(TTM)0.62
FCFY1.62%
OCF(TTM)0.82
OCFY2.12%
SpS4.72
BVpS9.57
TBVpS0.72
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.24% | ||
| ROE | -5.11% | ||
| 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)-3.4%
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 Turnover0.31
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 | 4.24 |
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)-35.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-138.59%
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.