MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - Deutsche Boerse Ag - CH1398992755 - Common Stock - Currency: EUR
Overall MULT gets a fundamental rating of 4 out of 10. We evaluated MULT against 7 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. MULT is valued quite cheap, while showing a decent growth score. This is a good combination! Finally 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.
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
The Return On Assets of MULT (1.53%) is comparable to the rest of the industry.
MULT has a Return On Equity of 9.35%. This is in the better half of the industry: MULT outperforms 71.43% of its industry peers.
With a Return On Invested Capital value of 2.37%, MULT perfoms like the industry average, outperforming 57.14% 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 4.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROIC | 2.37% |
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 (8.56%) which is in line with 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 14.95%, MULT is in line with its industry, outperforming 57.14% of the companies in the same industry.
MULT's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 101.83%, MULT belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% |
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.
MULT has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, MULT has more shares outstanding
Compared to 1 year ago, MULT has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.62, we must say that MULT is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of MULT (0.62) is better than 71.43% of its industry peers.
MULT has a debt to FCF ratio of 8.97. This is a slightly negative value and a sign of low solvency as MULT would need 8.97 years to pay back of all of its debts.
MULT has a Debt to FCF ratio (8.97) which is comparable to the rest of the industry.
MULT has a Debt/Equity ratio of 3.86. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.86, MULT is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Altman-Z | 0.62 |
ROIC/WACC0.32
WACC7.52%
2.3 Liquidity
A Current Ratio of 1.20 indicates that MULT should not have too much problems paying its short term obligations.
MULT has a Current ratio of 1.20. This is in the better half of the industry: MULT outperforms 71.43% of its industry peers.
MULT has a Quick Ratio of 1.20. This is a normal value and indicates that MULT is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of MULT (1.20) is better than 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.33% over the past year.
MULT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.53% yearly.
Looking at the last year, MULT shows a very negative growth in Revenue. The Revenue has decreased by -36.30% in the last year.
The Revenue has been decreasing by -5.52% on average over the past years.
EPS 1Y (TTM)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
3.2 Future
The Earnings Per Share is expected to grow by 13.69% on average over the next years. This is quite good.
MULT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.22% yearly.
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
Based on the Price/Earnings ratio of 8.72, the valuation of MULT can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 100.00% of the companies listed in the same industry.
MULT is valuated cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 6.14 indicates a rather cheap valuation of MULT.
85.71% of the companies in the same industry are more expensive than MULT, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.60. MULT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.72 | ||
| Fwd PE | 6.14 |
4.2 Price Multiples
71.43% of the companies in the same industry are more expensive than MULT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.82 | ||
| EV/EBITDA | -2.61 |
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)0.4
PEG (5Y)N/A
EPS Next 2Y19.01%
EPS Next 3Y13.69%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.30%.
MULT's Dividend Yield is rather good when compared to the industry average which is at 3.28. MULT pays more dividend than 85.71% of the companies in the same industry.
MULT's Dividend Yield is a higher than the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
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
21.95% 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.
DP21.95%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
FRA:MULT (6/30/2025, 7:00:00 PM)
7.24
+0.08 (+1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners19.12%
Inst Owner ChangeN/A
Ins Owners57.33%
Ins Owner ChangeN/A
Market Cap157.25M
Analysts84.44
Price Target9.79 (35.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend0.19
Dividend Growth(5Y)0.74%
DP21.95%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.93%
Min EPS beat(2)-5.46%
Max EPS beat(2)39.32%
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)1
Avg Revenue beat(2)4.01%
Min Revenue beat(2)-5.58%
Max Revenue beat(2)13.61%
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)4.73%
PT rev (3m)5.11%
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 | 8.72 | ||
| Fwd PE | 6.14 | ||
| P/S | 0.72 | ||
| P/FCF | 1.82 | ||
| P/OCF | 1.59 | ||
| P/B | 0.78 | ||
| P/tB | 0.94 | ||
| EV/EBITDA | -2.61 |
EPS(TTM)0.83
EY11.46%
EPS(NY)1.18
Fwd EY16.3%
FCF(TTM)3.98
FCFY54.99%
OCF(TTM)4.55
OCFY62.9%
SpS10.09
BVpS9.24
TBVpS7.69
PEG (NY)0.4
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.53% | ||
| ROE | 9.35% | ||
| ROCE | 6.18% | ||
| ROIC | 2.37% | ||
| ROICexc | 3.36% | ||
| ROICexgc | 3.5% | ||
| OM | 14.95% | ||
| PM (TTM) | 8.56% | ||
| GM | 101.83% | ||
| FCFM | 39.46% |
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-Score4
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Debt/EBITDA | 17.19 | ||
| Cap/Depr | 101.39% | ||
| Cap/Sales | 5.68% | ||
| Interest Coverage | 0.74 | ||
| Cash Conversion | 219.71% | ||
| Profit Quality | 461.13% | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | 0.62 |
F-Score4
WACC7.52%
ROIC/WACC0.32
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)14.33%
EPS 3YN/A
EPS 5Y-9.53%
EPS Q2Q%278.45%
EPS Next Y22.04%
EPS Next 2Y19.01%
EPS Next 3Y13.69%
EPS Next 5YN/A
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
Revenue Next Year5.67%
Revenue Next 2Y5.39%
Revenue Next 3Y3.22%
Revenue Next 5YN/A
EBIT growth 1Y-3.01%
EBIT growth 3Y-2.17%
EBIT growth 5Y-9.7%
EBIT Next Year68.54%
EBIT Next 3Y15.12%
EBIT Next 5Y11.06%
FCF growth 1Y90.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y74.66%
OCF growth 3YN/A
OCF growth 5YN/A