MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
6.06 EUR
+0.06 (+1%)
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. While MULT is still in line with the averages on profitability rating, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on MULT. Finally MULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MULT had positive earnings in the past year.
In the past year MULT had a positive cash flow from operations.
Of the past 5 years MULT 4 years were profitable.
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
MULT has a Return On Assets of 1.77%. This is comparable to the rest of the industry: MULT outperforms 60.00% of its industry peers.
The Return On Equity of MULT (11.68%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 2.13%, MULT is in line with its industry, outperforming 60.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MULT is in line with the industry average of 4.39%.
| Industry Rank | Sector 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%
1.3 Margins
The Profit Margin of MULT (11.17%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of MULT has declined.
Looking at the Operating Margin, with a value of 15.13%, MULT is in line with its industry, outperforming 60.00% of the companies in the same industry.
MULT's Operating Margin has declined in the last couple of years.
MULT has a Gross Margin of 104.75%. This is amongst the best in the industry. MULT outperforms 100.00% of its industry peers.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MULT is destroying value.
Compared to 1 year ago, MULT has about the same amount of shares outstanding.
Compared to 5 years ago, MULT has more shares outstanding
MULT has a worse debt/assets ratio than last year.
2.2 Solvency
MULT has an Altman-Z score of 0.45. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
MULT has a Altman-Z score of 0.45. This is comparable to the rest of the industry: MULT outperforms 60.00% of its industry peers.
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 60.00% of its industry peers.
MULT has a Debt/Equity ratio of 4.42. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.42, MULT is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.38%
2.3 Liquidity
A Current Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
The Current ratio of MULT (1.04) is better than 70.00% of its industry peers.
A Quick Ratio of 1.04 indicates that MULT should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.04, MULT is doing good in the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.04 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 58.06% over the past year.
Measured over the past years, MULT shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.53% on average per year.
Looking at the last year, MULT shows a very negative growth in Revenue. The Revenue has decreased by -26.24% in the last year.
MULT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.52% yearly.
EPS 1Y (TTM)58.06%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%35.4%
Revenue 1Y (TTM)-26.24%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-2.68%
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 21.57% on average per year.
The Revenue is expected to grow by 3.65% on average over the next years.
EPS Next Y32.24%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
EPS Next 5YN/A
Revenue Next Year2.63%
Revenue Next 2Y2.93%
Revenue Next 3Y3.65%
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.
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
Based on the Price/Earnings ratio of 5.77, the valuation of MULT can be described as very cheap.
100.00% of the companies in the same industry are more expensive than MULT, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of MULT to the average of the S&P500 Index (26.55), we can say MULT is valued rather cheaply.
MULT is valuated cheaply with a Price/Forward Earnings ratio of 4.72.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 4.72 |
4.2 Price Multiples
MULT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. MULT is cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.07 | ||
| EV/EBITDA | -3.75 |
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 21.57% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y24.09%
EPS Next 3Y21.57%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.90%.
MULT's Dividend Yield is rather good when compared to the industry average which is at 1.80. MULT pays more dividend than 90.00% of the companies in the same industry.
MULT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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
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.
MULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.13%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
FRA:MULT (12/15/2025, 7:00:00 PM)
6.06
+0.06 (+1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners23.82%
Inst Owner ChangeN/A
Ins Owners60.74%
Ins Owner ChangeN/A
Market Cap131.62M
Revenue(TTM)210.18M
Net Income(TTM)23.48M
Analysts84
Price Target11.02 (81.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.9% |
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)-0.23%
PT rev (3m)-0.23%
EPS NQ rev (1m)-30.43%
EPS NQ rev (3m)-30.43%
EPS NY rev (1m)4.85%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-8.77%
Revenue NQ rev (3m)-8.77%
Revenue NY rev (1m)1.78%
Revenue NY rev (3m)1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.77 | ||
| Fwd PE | 4.72 | ||
| P/S | 0.63 | ||
| P/FCF | 2.07 | ||
| P/OCF | 1.72 | ||
| P/B | 0.65 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | -3.75 |
EPS(TTM)1.05
EY17.33%
EPS(NY)1.28
Fwd EY21.17%
FCF(TTM)2.92
FCFY48.26%
OCF(TTM)3.53
OCFY58.22%
SpS9.68
BVpS9.25
TBVpS7.66
PEG (NY)0.18
PEG (5Y)N/A
Graham Number14.78
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.38%
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)58.06%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%35.4%
EPS Next Y32.24%
EPS Next 2Y24.09%
EPS Next 3Y21.57%
EPS Next 5YN/A
Revenue 1Y (TTM)-26.24%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-2.68%
Revenue Next Year2.63%
Revenue Next 2Y2.93%
Revenue Next 3Y3.65%
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 FAQ
What is the fundamental rating for MULT stock?
ChartMill assigns a fundamental rating of 4 / 10 to MULT.DE.
Can you provide the valuation status for MULTITUDE AG?
ChartMill assigns a valuation rating of 8 / 10 to MULTITUDE AG (MULT.DE). This can be considered as Undervalued.
How profitable is MULTITUDE AG (MULT.DE) stock?
MULTITUDE AG (MULT.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for MULT stock?
The financial health rating of MULTITUDE AG (MULT.DE) is 2 / 10.
How sustainable is the dividend of MULTITUDE AG (MULT.DE) stock?
The dividend rating of MULTITUDE AG (MULT.DE) is 7 / 10 and the dividend payout ratio is 40.13%.