MULTITUDE AG (MULT.DE) Fundamental Analysis & Valuation

FRA:MULT • CH1398992755

Current stock price

6.28 EUR
+0.15 (+2.45%)
Last:

This MULT.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. MULT.DE Profitability Analysis

1.1 Basic Checks

  • MULT had positive earnings in the past year.
  • MULT had a positive operating cash flow in the past year.
  • In multiple years MULT reported negative net income over the last 5 years.
  • In the past 5 years MULT reported 4 times negative operating cash flow.
MULT.DE Yearly Net Income VS EBIT VS OCF VS FCFMULT.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

1.2 Ratios

  • The Return On Assets of MULT (1.77%) is worse than 63.64% of its industry peers.
  • MULT has a Return On Equity of 11.68%. This is in the better half of the industry: MULT outperforms 63.64% of its industry peers.
  • MULT has a Return On Invested Capital of 2.13%. This is comparable to the rest of the industry: MULT outperforms 54.55% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 5.33%.
Industry RankSector Rank
ROA 1.77%
ROE 11.68%
ROIC 2.13%
ROA(3y)1.16%
ROA(5y)0.55%
ROE(3y)5.95%
ROE(5y)2.87%
ROIC(3y)3.37%
ROIC(5y)3.5%
MULT.DE Yearly ROA, ROE, ROICMULT.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • MULT's Profit Margin of 11.17% is in line compared to the rest of the industry. MULT outperforms 45.45% of its industry peers.
  • MULT's Profit Margin has declined in the last couple of years.
  • MULT has a Operating Margin (15.13%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of MULT has declined.
  • Looking at the Gross Margin, with a value of 104.75%, MULT belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
OM 15.13%
PM (TTM) 11.17%
GM 104.75%
OM growth 3Y-4.66%
OM growth 5Y-4.42%
PM growth 3YN/A
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
MULT.DE Yearly Profit, Operating, Gross MarginsMULT.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80 100

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3

2. MULT.DE Health Analysis

2.1 Basic Checks

  • MULT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
MULT.DE Yearly Shares OutstandingMULT.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
MULT.DE Yearly Total Debt VS Total AssetsMULT.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.45, we must say that MULT is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.45, MULT perfoms like the industry average, outperforming 54.55% of the companies in the same industry.
  • The Debt to FCF ratio of MULT is 14.03, which is on the high side as it means it would take MULT, 14.03 years of fcf income to pay off all of its debts.
  • MULT's Debt to FCF ratio of 14.03 is on the low side compared to the rest of the industry. MULT is outperformed by 63.64% of its industry peers.
  • A Debt/Equity ratio of 4.42 is on the high side and indicates that MULT has dependencies on debt financing.
  • The Debt to Equity ratio of MULT (4.42) is worse than 72.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Altman-Z 0.45
ROIC/WACC0.29
WACC7.41%
MULT.DE Yearly LT Debt VS Equity VS FCFMULT.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

2.3 Liquidity

  • MULT has a Current Ratio of 1.04. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
  • MULT has a Current ratio of 1.04. This is in the better half of the industry: MULT outperforms 72.73% of its industry peers.
  • A Quick Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
  • The Quick ratio of MULT (1.04) is better than 72.73% of its industry peers.
Industry RankSector Rank
Current Ratio 1.04
Quick Ratio 1.04
MULT.DE Yearly Current Assets VS Current LiabilitesMULT.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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1

3. MULT.DE Growth Analysis

3.1 Past

EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.7%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-7.16%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.18% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 2.75% on average over the next years.
EPS Next Y16.71%
EPS Next 2Y17.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.8%
Revenue Next 2Y4.48%
Revenue Next 3Y2.75%
Revenue Next 5YN/A

3.3 Evolution

MULT.DE Yearly Revenue VS EstimatesMULT.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M
MULT.DE Yearly EPS VS EstimatesMULT.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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8

4. MULT.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • MULT is valuated cheaply with a Price/Earnings ratio of 6.04.
  • 100.00% of the companies in the same industry are more expensive than MULT, based on the Price/Earnings ratio.
  • MULT is valuated cheaply when we compare the Price/Earnings ratio to 26.21, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 5.17, the valuation of MULT can be described as very cheap.
  • 90.91% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
  • MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.04
Fwd PE 5.17
MULT.DE Price Earnings VS Forward Price EarningsMULT.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, MULT is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.15
EV/EBITDA -3.64
MULT.DE Per share dataMULT.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • MULT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • MULT's earnings are expected to grow with 17.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y17.18%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. MULT.DE Dividend Analysis

5.1 Amount

  • MULT has a Yearly Dividend Yield of 9.47%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.24, MULT pays a better dividend. On top of this MULT pays more dividend than 100.00% of the companies listed in the same industry.
  • MULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 9.47%

5.2 History

  • The dividend of MULT has a limited annual growth rate of 0.74%.
Dividend Growth(5Y)0.74%
Div Incr Years0
Div Non Decr Years0
MULT.DE Yearly Dividends per shareMULT.DE Yearly Dividends per shareYearly Dividends per share 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 40.13% of the earnings are spent on dividend by MULT. This is a bit on the high side, but may be sustainable.
  • The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.13%
EPS Next 2Y17.18%
EPS Next 3YN/A
MULT.DE Yearly Income VS Free CF VS DividendMULT.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M
MULT.DE Dividend Payout.MULT.DE Dividend Payout, showing the Payout Ratio.MULT.DE Dividend Payout.PayoutRetained Earnings

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MULT.DE Fundamentals: All Metrics, Ratios and Statistics

MULTITUDE AG

FRA:MULT (4/2/2026, 7:00:00 PM)

6.28

+0.15 (+2.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-12
Earnings (Next)N/A
Inst Owners23.79%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap136.40M
Revenue(TTM)N/A
Net Income(TTM)23.48M
Analysts86
Price Target11.02 (75.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 9.47%
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP40.13%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.91%
Min EPS beat(2)-20.24%
Max EPS beat(2)26.05%
EPS beat(4)2
Avg EPS beat(4)9.92%
Min EPS beat(4)-20.24%
Max EPS beat(4)39.32%
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)1
Avg Revenue beat(2)-1.54%
Min Revenue beat(2)-16.5%
Max Revenue beat(2)13.41%
Revenue beat(4)2
Avg Revenue beat(4)1.24%
Min Revenue beat(4)-16.5%
Max Revenue beat(4)13.61%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.95%
Valuation
Industry RankSector Rank
PE 6.04
Fwd PE 5.17
P/S 0.65
P/FCF 2.15
P/OCF 1.78
P/B 0.68
P/tB 0.82
EV/EBITDA -3.64
EPS(TTM)1.04
EY16.56%
EPS(NY)1.21
Fwd EY19.33%
FCF(TTM)2.92
FCFY46.57%
OCF(TTM)3.53
OCFY56.18%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.36
PEG (5Y)N/A
Graham Number14.71
Profitability
Industry RankSector Rank
ROA 1.77%
ROE 11.68%
ROCE 6.17%
ROIC 2.13%
ROICexc 2.95%
ROICexgc 3.06%
OM 15.13%
PM (TTM) 11.17%
GM 104.75%
FCFM 30.22%
ROA(3y)1.16%
ROA(5y)0.55%
ROE(3y)5.95%
ROE(5y)2.87%
ROIC(3y)3.37%
ROIC(5y)3.5%
ROICexc(3y)3.77%
ROICexc(5y)4.73%
ROICexgc(3y)3.93%
ROICexgc(5y)5.08%
ROCE(3y)8.29%
ROCE(5y)8.37%
ROICexgc growth 3Y-31.02%
ROICexgc growth 5Y-27.43%
ROICexc growth 3Y-29.58%
ROICexc growth 5Y-26.49%
OM growth 3Y-4.66%
OM growth 5Y-4.42%
PM growth 3YN/A
PM growth 5Y-3.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 4.42
Debt/FCF 14.03
Debt/EBITDA 19.81
Cap/Depr 100.56%
Cap/Sales 6.24%
Interest Coverage 0.85
Cash Conversion 170.92%
Profit Quality 270.6%
Current Ratio 1.04
Quick Ratio 1.04
Altman-Z 0.45
F-Score6
WACC7.41%
ROIC/WACC0.29
Cap/Depr(3y)78.78%
Cap/Depr(5y)79.38%
Cap/Sales(3y)5.2%
Cap/Sales(5y)5.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)N/A
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-3.7%
EPS Next Y16.71%
EPS Next 2Y17.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-7.16%
Revenue Next Year3.8%
Revenue Next 2Y4.48%
Revenue Next 3Y2.75%
Revenue Next 5YN/A
EBIT growth 1Y101.99%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year64.99%
EBIT Next 3Y23.63%
EBIT Next 5Y11.06%
FCF growth 1Y65.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.29%
OCF growth 3YN/A
OCF growth 5YN/A

MULTITUDE AG / MULT.DE Fundamental Analysis FAQ

What is the fundamental rating for MULT stock?

ChartMill assigns a fundamental rating of 4 / 10 to MULT.DE.


What is the valuation status of MULTITUDE AG (MULT.DE) stock?

ChartMill assigns a valuation rating of 8 / 10 to MULTITUDE AG (MULT.DE). This can be considered as Undervalued.


Can you provide the profitability details for MULTITUDE AG?

MULTITUDE AG (MULT.DE) has a profitability rating of 3 / 10.


What are the PE and PB ratios of MULTITUDE AG (MULT.DE) stock?

The Price/Earnings (PE) ratio for MULTITUDE AG (MULT.DE) is 6.04 and the Price/Book (PB) ratio is 0.68.


Is the dividend of MULTITUDE AG sustainable?

The dividend rating of MULTITUDE AG (MULT.DE) is 8 / 10 and the dividend payout ratio is 40.13%.