WENDEL (MF.PA) Stock Fundamental Analysis
Europe - EPA:MF - FR0000121204 - Common Stock
80.25 EUR
+0.3 (+0.38%)
Taking everything into account, MF scores 4 out of 10 in our fundamental rating. MF was compared to 47 industry peers in the Financial Services industry. MF scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. MF has a correct valuation and a medium growth rate. MF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MF has reported negative net income.
In the past year MF had a positive cash flow from operations.
Of the past 5 years MF 4 years were profitable.
In the past 5 years MF always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.57%, MF is doing worse than 72.34% of the companies in the same industry.
MF has a Return On Equity of -2.93%. This is in the lower half of the industry: MF underperforms 72.34% of its industry peers.
With a Return On Invested Capital value of 4.58%, MF perfoms like the industry average, outperforming 59.57% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MF is significantly below the industry average of 9.94%.
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
MF's Profit Margin has declined in the last couple of years.
MF's Operating Margin of 12.06% is in line compared to the rest of the industry. MF outperforms 51.06% of its industry peers.
MF's Operating Margin has improved in the last couple of years.
The Profit Margin and Gross Margin are not available for MF so they could not be analyzed.
| 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.
Compared to 5 years ago, MF has less shares outstanding
MF has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.35, we must say that MF is in the distress zone and has some risk of bankruptcy.
MF has a Altman-Z score (1.35) which is in line with its industry peers.
The Debt to FCF ratio of MF is 6.24, which is on the high side as it means it would take MF, 6.24 years of fcf income to pay off all of its debts.
MF has a Debt to FCF ratio (6.24) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.98 is on the high side and indicates that MF has dependencies on debt financing.
MF has a Debt to Equity ratio of 1.98. This is in the lower half of the industry: MF underperforms 70.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.98 | ||
| Debt/FCF | 6.24 | ||
| Altman-Z | 1.35 |
ROIC/WACC0.79
WACC5.79%
2.3 Liquidity
A Current Ratio of 1.78 indicates that MF should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.78, MF is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
A Quick Ratio of 1.72 indicates that MF should not have too much problems paying its short term obligations.
MF has a better Quick ratio (1.72) than 80.85% 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%.
The Earnings Per Share has been decreasing by -5.27% on average over the past years.
The Revenue has grown by 9.86% in the past year. This is quite good.
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
MF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.44% yearly.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for MF. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 16.25, 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 22.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.25 |
4.2 Price Multiples
78.72% of the companies in the same industry are more expensive than MF, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MF indicates a rather cheap valuation: MF is cheaper than 87.23% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.36 | ||
| EV/EBITDA | 3.86 |
4.3 Compensation for Growth
A more expensive valuation may be justified as MF's earnings are expected to grow with 29.44% in the coming years.
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 5.85%, which is a nice return.
Compared to an average industry Dividend Yield of 3.85, MF pays a better dividend. On top of this MF pays more dividend than 89.36% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, MF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
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.
MF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP-221.78%
EPS Next 2Y-1.78%
EPS Next 3Y29.44%
EPA:MF (9/22/2025, 7:00:00 PM)
80.25
+0.3 (+0.38%)
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 Cap3.57B
Analysts82.67
Price Target115.99 (44.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
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)-1.12%
PT rev (3m)-2.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-18.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 16.25 | ||
| P/S | 0.43 | ||
| P/FCF | 3.36 | ||
| P/OCF | 2.81 | ||
| P/B | 1.16 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.86 |
EPS(TTM)-2.14
EYN/A
EPS(NY)4.94
Fwd EY6.15%
FCF(TTM)23.85
FCFY29.72%
OCF(TTM)28.59
OCFY35.63%
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 | 1.35 |
F-Score5
WACC5.79%
ROIC/WACC0.79
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%