MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - Deutsche Boerse Ag - CH1398992755 - Common Stock - Currency: EUR
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 9 industry peers in the Consumer Finance industry. MULT has a bad profitability rating. Also its financial health evaluation is rather negative. MULT has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally MULT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
MULT had positive earnings in the past year.
MULT had a negative operating cash flow in the past year.
Of the past 5 years MULT 4 years were profitable.
In multiple years MULT reported negative operating cash flow during the last 5 years.
1.2 Ratios
MULT has a Return On Assets of 1.30%. This is comparable to the rest of the industry: MULT outperforms 50.00% of its industry peers.
Looking at the Return On Equity, with a value of 7.36%, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
With a Return On Invested Capital value of 2.20%, MULT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for MULT is in line with the industry average of 4.72%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 7.36% | ||
| ROIC | 2.2% |
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
MULT has a Profit Margin of 6.47%. This is in the lower half of the industry: MULT underperforms 62.50% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
The Operating Margin of MULT (12.39%) is comparable to the rest of the industry.
MULT's Operating Margin has declined in the last couple of years.
MULT has a better Gross Margin (100.95%) than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.39% | ||
| PM (TTM) | 6.47% | ||
| GM | 100.95% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MULT is destroying value.
MULT has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for MULT has been increased compared to 5 years ago.
The debt/assets ratio for MULT is higher compared to a year ago.
2.2 Solvency
MULT has an Altman-Z score of 0.70. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.70, MULT is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
MULT has a Debt/Equity ratio of 3.21. This is a high value indicating a heavy dependency on external financing.
MULT's Debt to Equity ratio of 3.21 is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.21 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.7 |
ROIC/WACC0.29
WACC7.54%
2.3 Liquidity
A Current Ratio of 1.30 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Current ratio of 1.30. This is amongst the best in the industry. MULT outperforms 87.50% of its industry peers.
MULT has a Quick Ratio of 1.30. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.30, MULT belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 |
3. Growth
3.1 Past
The earnings per share for MULT have decreased by -9.76% in the last year.
The Earnings Per Share has been decreasing by -9.53% on average over the past years.
The Revenue for MULT has decreased by -35.56% in the past year. This is quite bad
MULT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -5.52% yearly.
EPS 1Y (TTM)-9.76%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%-8.15%
Revenue 1Y (TTM)-35.56%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-44.42%
3.2 Future
Based on estimates for the next years, MULT will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.69% on average per year.
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.22% on average per year.
EPS Next Y22.04%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue Next Year5.67%
Revenue Next 2Y5.39%
Revenue Next 3Y3.22%
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 11.52 indicates a reasonable valuation of MULT.
Based on the Price/Earnings ratio, MULT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of MULT to the average of the S&P500 Index (26.52), we can say MULT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.14, the valuation of MULT can be described as very cheap.
Based on the Price/Forward Earnings ratio, MULT is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
MULT is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.52 | ||
| Fwd PE | 7.14 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | -1.13 |
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.
MULT's earnings are expected to grow with 13.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y19.01%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.66%.
MULT's Dividend Yield is rather good when compared to the industry average which is at 3.22. MULT pays more dividend than 87.50% of the companies in the same industry.
MULT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
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
28.85% of the earnings are spent on dividend by MULT. This is a low number and sustainable payout ratio.
MULT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP28.85%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
FRA:MULT (6/6/2025, 7:00:00 PM)
7.26
+0.04 (+0.55%)
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 Cap157.69M
Analysts84.44
Price Target9.35 (28.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.66% |
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP28.85%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)0.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.52 | ||
| Fwd PE | 7.14 | ||
| P/S | 0.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | -1.13 |
EPS(TTM)0.63
EY8.68%
EPS(NY)1.02
Fwd EY14%
FCF(TTM)-1.73
FCFYN/A
OCF(TTM)-1.14
OCFYN/A
SpS10.16
BVpS8.92
TBVpS7.41
PEG (NY)0.52
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.3% | ||
| ROE | 7.36% | ||
| ROCE | 5.08% | ||
| ROIC | 2.2% | ||
| ROICexc | 2.92% | ||
| ROICexgc | 3.04% | ||
| OM | 12.39% | ||
| PM (TTM) | 6.47% | ||
| GM | 100.95% | ||
| FCFM | N/A |
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%
ROICexcg growth 3Y-31.02%
ROICexcg 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-Score3
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.21 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 15.63 | ||
| Cap/Depr | 102.02% | ||
| Cap/Sales | 5.77% | ||
| Interest Coverage | 0.64 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.3 | ||
| Quick Ratio | 1.3 | ||
| Altman-Z | 0.7 |
F-Score3
WACC7.54%
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)-9.76%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%-8.15%
EPS Next Y22.04%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-35.56%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%-44.42%
Revenue Next Year5.67%
Revenue Next 2Y5.39%
Revenue Next 3Y3.22%
Revenue Next 5YN/A
EBIT growth 1Y-32.04%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year68.54%
EBIT Next 3Y15.12%
EBIT Next 5Y11.06%
FCF growth 1Y-125.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-115.75%
OCF growth 3YN/A
OCF growth 5YN/A