WENDEL (MF.PA) Stock Fundamental Analysis
EPA:MF - Euronext Paris - Matif - FR0000121204 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to MF. MF was compared to 50 industry peers in the Financial Services industry. MF has only an average score on both its financial health and profitability. MF has a correct valuation and a medium growth rate. Finally MF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MF had positive earnings in the past year.
MF had a positive operating cash flow in the past year.
Of the past 5 years MF 4 years were profitable.
MF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MF has a Return On Assets (1.90%) which is in line with its industry peers.
MF's Return On Equity of 9.12% is in line compared to the rest of the industry. MF outperforms 56.00% of its industry peers.
The Return On Invested Capital of MF (4.49%) is comparable to the rest of the industry.
MF had an Average Return On Invested Capital over the past 3 years of 4.53%. This is significantly below the industry average of 10.20%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 9.12% | ||
| ROIC | 4.49% |
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
MF has a Profit Margin of 3.64%. This is comparable to the rest of the industry: MF outperforms 44.00% of its industry peers.
MF's Profit Margin has declined in the last couple of years.
The Operating Margin of MF (12.06%) is better than 62.00% of its industry peers.
MF's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | 3.64% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MF is destroying value.
MF has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, MF has less shares outstanding
Compared to 1 year ago, MF has a worse debt to assets ratio.
2.2 Solvency
MF has an Altman-Z score of 1.43. This is a bad value and indicates that MF is not financially healthy and even has some risk of bankruptcy.
MF has a Altman-Z score (1.43) which is in line with its industry peers.
MF has a debt to FCF ratio of 6.49. This is a slightly negative value and a sign of low solvency as MF would need 6.49 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.49, MF is in line with its industry, outperforming 60.00% of the companies in the same industry.
A Debt/Equity ratio of 1.87 is on the high side and indicates that MF has dependencies on debt financing.
MF has a worse Debt to Equity ratio (1.87) than 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 6.49 | ||
| Altman-Z | 1.43 |
ROIC/WACC0.78
WACC5.77%
2.3 Liquidity
MF has a Current Ratio of 2.02. This indicates that MF is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.02, MF is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
A Quick Ratio of 1.96 indicates that MF should not have too much problems paying its short term obligations.
The Quick ratio of MF (1.96) is better than 82.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.02 | ||
| Quick Ratio | 1.96 |
3. Growth
3.1 Past
MF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 109.28%, which is quite impressive.
MF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.27% yearly.
MF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.13%.
Measured over the past years, MF shows a decrease in Revenue. The Revenue has been decreasing by -0.12% on average per year.
EPS 1Y (TTM)109.28%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-195.75%
Revenue 1Y (TTM)13.13%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%12.9%
3.2 Future
MF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.80% yearly.
MF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.44% yearly.
EPS Next Y2.75%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 12.56 indicates a correct valuation of MF.
Compared to the rest of the industry, the Price/Earnings ratio of MF indicates a somewhat cheap valuation: MF is cheaper than 66.00% of the companies listed in the same industry.
MF is valuated cheaply when we compare the Price/Earnings ratio to 25.82, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 16.09, which indicates a correct valuation of MF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MF is on the same level as its industry peers.
MF's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.56 | ||
| Fwd PE | 16.09 |
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 80.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MF indicates a rather cheap valuation: MF is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.62 | ||
| EV/EBITDA | 4.05 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates MF does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.57
PEG (5Y)N/A
EPS Next 2Y4.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.18%, MF is a good candidate for dividend investing.
MF's Dividend Yield is rather good when compared to the industry average which is at 3.83. MF pays more dividend than 84.00% of the companies in the same industry.
MF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
5.2 History
On average, the dividend of MF grows each year by 7.59%, which is quite nice.
Dividend Growth(5Y)7.59%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
MF pays out 58.46% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of MF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP58.46%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPA:MF (5/23/2025, 7:00:00 PM)
84.65
-0.6 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners14.82%
Inst Owner ChangeN/A
Ins Owners0.86%
Ins Owner ChangeN/A
Market Cap3.76B
Analysts82.67
Price Target118.76 (40.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.18% |
Yearly Dividend4.01
Dividend Growth(5Y)7.59%
DP58.46%
Div Incr Years3
Div Non Decr Years3
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)-4.23%
PT rev (3m)-3.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)26.29%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5%
Revenue NY rev (3m)12.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.56 | ||
| Fwd PE | 16.09 | ||
| P/S | 0.47 | ||
| P/FCF | 3.62 | ||
| P/OCF | 3.02 | ||
| P/B | 1.17 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.05 |
EPS(TTM)6.74
EY7.96%
EPS(NY)5.26
Fwd EY6.21%
FCF(TTM)23.36
FCFY27.6%
OCF(TTM)27.99
OCFY33.07%
SpS181.37
BVpS72.49
TBVpS-66
PEG (NY)4.57
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.9% | ||
| ROE | 9.12% | ||
| ROCE | 7.82% | ||
| ROIC | 4.49% | ||
| ROICexc | 6.26% | ||
| ROICexgc | 20.16% | ||
| OM | 12.06% | ||
| PM (TTM) | 3.64% | ||
| GM | N/A | ||
| FCFM | 12.88% |
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-Score8
Asset Turnover0.52
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 6.49 | ||
| Debt/EBITDA | 3.5 | ||
| Cap/Depr | 27.59% | ||
| Cap/Sales | 2.55% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 72.43% | ||
| Profit Quality | 353.45% | ||
| Current Ratio | 2.02 | ||
| Quick Ratio | 1.96 | ||
| Altman-Z | 1.43 |
F-Score8
WACC5.77%
ROIC/WACC0.78
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)109.28%
EPS 3Y-34.01%
EPS 5Y-5.27%
EPS Q2Q%-195.75%
EPS Next Y2.75%
EPS Next 2Y4.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.13%
Revenue growth 3Y2.43%
Revenue growth 5Y-0.12%
Sales Q2Q%12.9%
Revenue Next Year8.06%
Revenue Next 2Y5.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y12.83%
EBIT growth 3Y6.55%
EBIT growth 5Y5.09%
EBIT Next Year31.72%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23.26%
FCF growth 3Y4.64%
FCF growth 5Y3.48%
OCF growth 1Y15.97%
OCF growth 3Y2.49%
OCF growth 5Y1.56%