MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - Deutsche Boerse Ag - CH1398992755 - Common Stock - Currency: EUR
MULT gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 7 industry peers in the Consumer Finance industry. MULT has an average financial health and profitability rating. MULT is valued quite cheap, while showing a decent growth score. This is a good combination! MULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year MULT was profitable.
In the past year MULT had a positive cash flow from operations.
MULT had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: MULT reported negative operating cash flow in multiple years.
1.2 Ratios
With a Return On Assets value of 1.49%, MULT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.45%, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
MULT has a Return On Invested Capital (1.56%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 8.45% | ||
| ROIC | 1.56% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
MULT has a Profit Margin of 4.66%. This is in the lower half of the industry: MULT underperforms 62.50% of its industry peers.
In the last couple of years the Profit Margin of MULT has declined.
Looking at the Operating Margin, with a value of 5.55%, MULT is in line with its industry, outperforming 50.00% of the companies in the same industry.
MULT's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 67.67%, MULT is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.55% | ||
| PM (TTM) | 4.66% | ||
| GM | 67.67% |
OM growth 3Y17.33%
OM growth 5Y6.74%
PM growth 3Y183.71%
PM growth 5Y-8.19%
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 MULT is destroying value.
MULT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
Based on the Altman-Z score of 0.79, we must say that MULT is in the distress zone and has some risk of bankruptcy.
MULT has a Altman-Z score of 0.79. This is amongst the best in the industry. MULT outperforms 87.50% of its industry peers.
MULT has a debt to FCF ratio of 4.93. This is a neutral value as MULT would need 4.93 years to pay back of all of its debts.
MULT has a Debt to FCF ratio of 4.93. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
A Debt/Equity ratio of 3.14 is on the high side and indicates that MULT has dependencies on debt financing.
MULT has a Debt to Equity ratio of 3.14. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | 4.93 | ||
| Altman-Z | 0.79 |
ROIC/WACC0.22
WACC7.22%
2.3 Liquidity
A Current Ratio of 1.34 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Current ratio of 1.34. This is in the better half of the industry: MULT outperforms 75.00% of its industry peers.
MULT has a Quick Ratio of 1.34. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.34, MULT is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 |
3. Growth
3.1 Past
The earnings per share for MULT have decreased by -7.03% in the last year.
MULT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.67% yearly.
Looking at the last year, MULT shows a small growth in Revenue. The Revenue has grown by 4.25% in the last year.
Measured over the past years, MULT shows a decrease in Revenue. The Revenue has been decreasing by -2.54% on average per year.
EPS 1Y (TTM)-7.03%
EPS 3Y193.97%
EPS 5Y-10.67%
EPS Q2Q%23.66%
Revenue 1Y (TTM)4.25%
Revenue growth 3Y0%
Revenue growth 5Y-2.54%
Sales Q2Q%-7.21%
3.2 Future
Based on estimates for the next years, MULT will show a very strong growth in Earnings Per Share. The EPS will grow by 21.54% on average per year.
The Revenue is expected to grow by 4.84% on average over the next years.
EPS Next Y48.49%
EPS Next 2Y34.62%
EPS Next 3Y28.12%
EPS Next 5Y21.54%
Revenue Next Year9.88%
Revenue Next 2Y7.75%
Revenue Next 3Y6.86%
Revenue Next 5Y4.84%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 8.46, the valuation of MULT can be described as very reasonable.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
MULT is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 5.99, which indicates a rather cheap valuation of MULT.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 87.50% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of MULT to the average of the S&P500 Index (20.86), we can say MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.46 | ||
| Fwd PE | 5.99 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 87.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.1 | ||
| EV/EBITDA | -2.71 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as MULT's earnings are expected to grow with 28.12% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y34.62%
EPS Next 3Y28.12%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.10%, MULT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.03, MULT pays a better dividend. On top of this MULT pays more dividend than 87.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, MULT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
MULT pays out 25.95% of its income as dividend. This is a sustainable payout ratio.
DP25.95%
EPS Next 2Y34.62%
EPS Next 3Y28.12%
FRA:MULT (5/2/2025, 7:00:00 PM)
6.09
+0.23 (+3.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.95%
Inst Owner ChangeN/A
Ins Owners57.33%
Ins Owner ChangeN/A
Market Cap132.27M
Analysts84.44
Price Target9.35 (53.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.1% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP25.95%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)3.77%
PT rev (3m)0.37%
EPS NQ rev (1m)27.27%
EPS NQ rev (3m)27.27%
EPS NY rev (1m)23.12%
EPS NY rev (3m)23.12%
Revenue NQ rev (1m)7.41%
Revenue NQ rev (3m)7.41%
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.46 | ||
| Fwd PE | 5.99 | ||
| P/S | 0.39 | ||
| P/FCF | 1.1 | ||
| P/OCF | 1 | ||
| P/B | 0.7 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | -2.71 |
EPS(TTM)0.72
EY11.82%
EPS(NY)1.02
Fwd EY16.69%
FCF(TTM)5.53
FCFY90.8%
OCF(TTM)6.1
OCFY100.12%
SpS15.68
BVpS8.64
TBVpS7.15
PEG (NY)0.17
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.49% | ||
| ROE | 8.45% | ||
| ROCE | 3.53% | ||
| ROIC | 1.56% | ||
| ROICexc | 2.14% | ||
| ROICexgc | 2.24% | ||
| OM | 5.55% | ||
| PM (TTM) | 4.66% | ||
| GM | 67.67% | ||
| FCFM | 35.26% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y17.33%
OM growth 5Y6.74%
PM growth 3Y183.71%
PM growth 5Y-8.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | 4.93 | ||
| Debt/EBITDA | 18.6 | ||
| Cap/Depr | 96.17% | ||
| Cap/Sales | 3.62% | ||
| Interest Coverage | 0.45 | ||
| Cash Conversion | 417.62% | ||
| Profit Quality | 757.37% | ||
| Current Ratio | 1.34 | ||
| Quick Ratio | 1.34 | ||
| Altman-Z | 0.79 |
F-Score4
WACC7.22%
ROIC/WACC0.22
Cap/Depr(3y)67.09%
Cap/Depr(5y)83.71%
Cap/Sales(3y)5.16%
Cap/Sales(5y)5.09%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.03%
EPS 3Y193.97%
EPS 5Y-10.67%
EPS Q2Q%23.66%
EPS Next Y48.49%
EPS Next 2Y34.62%
EPS Next 3Y28.12%
EPS Next 5Y21.54%
Revenue 1Y (TTM)4.25%
Revenue growth 3Y0%
Revenue growth 5Y-2.54%
Sales Q2Q%-7.21%
Revenue Next Year9.88%
Revenue Next 2Y7.75%
Revenue Next 3Y6.86%
Revenue Next 5Y4.84%
EBIT growth 1Y-69.38%
EBIT growth 3Y17.33%
EBIT growth 5Y4.03%
EBIT Next Year30.37%
EBIT Next 3Y13.42%
EBIT Next 5Y5.88%
FCF growth 1Y150.5%
FCF growth 3Y4.75%
FCF growth 5YN/A
OCF growth 1Y159.11%
OCF growth 3Y3.98%
OCF growth 5YN/A