WENDEL (MF.PA) Stock Fundamental Analysis
EPA:MF - FR0000121204 - Common Stock
85.9 EUR
+1.3 (+1.54%)
Taking everything into account, MF scores 4 out of 10 in our fundamental rating. MF was compared to 51 industry peers in the Financial Services industry. MF may be in some trouble as it scores bad on both profitability and health. MF has a correct valuation and a medium growth rate. Finally MF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MF has reported negative net income.
MF had a positive operating cash flow in the past year.
MF had positive earnings in 4 of the past 5 years.
In the past 5 years MF always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of MF (-0.57%) is worse than 74.51% of its industry peers.
MF has a worse Return On Equity (-2.93%) than 74.51% of its industry peers.
Looking at the Return On Invested Capital, with a value of 4.58%, MF is in line with its industry, outperforming 52.94% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MF is significantly below the industry average of 11.75%.
The last Return On Invested Capital (4.58%) for MF is above the 3 year average (4.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.57% | ||
| ROE | -2.93% | ||
| ROIC | 4.58% |
ROA(3y)2.47%
ROA(5y)2.56%
ROE(3y)12.66%
ROE(5y)13.01%
ROIC(3y)4.53%
ROIC(5y)4.05%
1.3 Margins
In the last couple of years the Profit Margin of MF has declined.
MF has a Operating Margin (12.06%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of MF has grown nicely.
MF does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y4.03%
OM growth 5Y5.21%
PM growth 3Y-36.07%
PM growth 5Y-5.85%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MF is destroying value.
MF has less shares outstanding than it did 1 year ago.
MF has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, MF has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.36, we must say that MF is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MF (1.36) is comparable to the rest of the industry.
MF has a debt to FCF ratio of 6.24. This is a slightly negative value and a sign of low solvency as MF would need 6.24 years to pay back of all of its debts.
The Debt to FCF ratio of MF (6.24) is comparable to the rest of the industry.
MF has a Debt/Equity ratio of 1.98. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.98, MF is not doing good in the industry: 70.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | 6.24 | ||
| Altman-Z | 1.36 |
ROIC/WACC0.72
WACC6.34%
2.3 Liquidity
MF has a Current Ratio of 1.78. This is a normal value and indicates that MF is financially healthy and should not expect problems in meeting its short term obligations.
MF has a Current ratio of 1.78. This is in the better half of the industry: MF outperforms 70.59% of its industry peers.
A Quick Ratio of 1.72 indicates that MF should not have too much problems paying its short term obligations.
The Quick ratio of MF (1.72) is better than 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.78 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
MF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.98%.
Measured over the past years, MF shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.27% on average per year.
MF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.86%.
MF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.12% yearly.
EPS 1Y (TTM)-118.98%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-99.11%
Revenue 1Y (TTM)9.86%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%7%
3.2 Future
Based on estimates for the next years, MF will show a very strong growth in Earnings Per Share. The EPS will grow by 29.44% on average per year.
MF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.40% yearly.
EPS Next Y-16.54%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPS Next 5YN/A
Revenue Next Year8.35%
Revenue Next 2Y6.09%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MF. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 17.39, MF is valued on the expensive side.
MF's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.82. MF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MF indicates a somewhat cheap valuation: MF is cheaper than 78.43% of the companies listed in the same industry.
90.20% of the companies in the same industry are more expensive than MF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.6 | ||
| EV/EBITDA | 4.01 |
4.3 Compensation for Growth
MF's earnings are expected to grow with 29.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
5. Dividend
5.1 Amount
MF has a Yearly Dividend Yield of 5.56%, which is a nice return.
MF's Dividend Yield is rather good when compared to the industry average which is at 3.47. MF pays more dividend than 90.20% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, MF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
5.2 History
The dividend of MF is nicely growing with an annual growth rate of 7.59%!
Dividend Growth(5Y)7.59%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
MF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
The dividend of MF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-221.78%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPA:MF (8/22/2025, 7:00:00 PM)
85.9
+1.3 (+1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners15.93%
Inst Owner ChangeN/A
Ins Owners0.73%
Ins Owner ChangeN/A
Market Cap3.82B
Analysts82.67
Price Target115.99 (35.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend4.01
Dividend Growth(5Y)7.59%
DP-221.78%
Div Incr Years4
Div Non Decr Years4
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)-2.81%
PT rev (3m)-2.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-18.78%
EPS NY rev (3m)-18.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 17.39 | ||
| P/S | 0.46 | ||
| P/FCF | 3.6 | ||
| P/OCF | 3 | ||
| P/B | 1.25 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.01 |
EPS(TTM)-2.14
EYN/A
EPS(NY)4.94
Fwd EY5.75%
FCF(TTM)23.85
FCFY27.77%
OCF(TTM)28.59
OCFY33.28%
SpS187.3
BVpS69
TBVpS-83.84
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.57% | ||
| ROE | -2.93% | ||
| ROCE | 7.97% | ||
| ROIC | 4.58% | ||
| ROICexc | 5.88% | ||
| ROICexgc | 19.09% | ||
| OM | 12.06% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 12.74% |
ROA(3y)2.47%
ROA(5y)2.56%
ROE(3y)12.66%
ROE(5y)13.01%
ROIC(3y)4.53%
ROIC(5y)4.05%
ROICexc(3y)6.19%
ROICexc(5y)5.52%
ROICexgc(3y)20.53%
ROICexgc(5y)17.72%
ROCE(3y)7.87%
ROCE(5y)7.04%
ROICexcg growth 3Y18.2%
ROICexcg growth 5Y4.07%
ROICexc growth 3Y6.16%
ROICexc growth 5Y4.11%
OM growth 3Y4.03%
OM growth 5Y5.21%
PM growth 3Y-36.07%
PM growth 5Y-5.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.53
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | 6.24 | ||
| Debt/EBITDA | 3.25 | ||
| Cap/Depr | 24.43% | ||
| Cap/Sales | 2.53% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 68.11% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.78 | ||
| Quick Ratio | 1.72 | ||
| Altman-Z | 1.36 |
F-Score5
WACC6.34%
ROIC/WACC0.72
Cap/Depr(3y)39%
Cap/Depr(5y)37.48%
Cap/Sales(3y)2.96%
Cap/Sales(5y)3.08%
Profit Quality(3y)362.07%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-118.98%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-99.11%
EPS Next Y-16.54%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPS Next 5YN/A
Revenue 1Y (TTM)9.86%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%7%
Revenue Next Year8.35%
Revenue Next 2Y6.09%
Revenue Next 3Y4.4%
Revenue Next 5YN/A
EBIT growth 1Y8.73%
EBIT growth 3Y6.55%
EBIT growth 5Y5.09%
EBIT Next Year10.78%
EBIT Next 3Y4.74%
EBIT Next 5YN/A
FCF growth 1Y11.82%
FCF growth 3Y4.64%
FCF growth 5Y3.48%
OCF growth 1Y1.93%
OCF growth 3Y2.49%
OCF growth 5Y1.56%