MULTITUDE AG (MULT.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:MULT - CH1398992755 - Common Stock
6.06 EUR
+0.06 (+1%)
We assign a fundamental rating of 4 out of 10 to MULT. MULT was compared to 10 industry peers in the Consumer Finance industry. There are concerns on the financial health of MULT while its profitability can be described as average. 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
MULT had positive earnings in the past year.
MULT had a positive operating cash flow in the past year.
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 (1.77%) which is in line with its industry peers.
MULT has a Return On Equity (11.68%) which is in line with its industry peers.
MULT has a Return On Invested Capital (2.13%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years 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
MULT has a Profit Margin of 11.17%. This is comparable to the rest of the industry: MULT outperforms 60.00% of its industry peers.
In the last couple of years the Profit Margin of MULT has declined.
MULT has a Operating Margin (15.13%) which is comparable to the rest of the 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
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.
MULT has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, MULT has a worse debt to assets ratio.
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 60.00% 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.
Looking at the Debt to FCF ratio, with a value of 14.03, MULT is doing worse than 60.00% of the companies in the same industry.
MULT has a Debt/Equity ratio of 4.42. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.42, MULT is doing worse than 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.42 | ||
| Debt/FCF | 14.03 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.29
WACC7.38%
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 better Current ratio (1.04) 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.
MULT's Quick ratio of 1.04 is fine compared to the rest of the industry. MULT outperforms 70.00% of its industry peers.
| 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.
The Earnings Per Share has been decreasing by -9.53% on average over the past years.
MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -26.24%.
The Revenue has been decreasing by -5.52% on average over the past years.
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
The Earnings Per Share is expected to grow by 21.57% on average over the next years. This is a very strong growth
Based on estimates for the next years, MULT will show a small growth in Revenue. The Revenue will grow by 3.65% on average per year.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 5.77, the valuation of MULT can be described as very cheap.
MULT's Price/Earnings ratio is rather cheap when compared to the industry. MULT is cheaper than 100.00% of the companies in the same industry.
MULT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.55.
Based on the Price/Forward Earnings ratio of 4.72, the valuation of MULT can be described as very cheap.
MULT's Price/Forward Earnings ratio is rather cheap when compared to the industry. MULT is cheaper than 90.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of MULT to the average of the S&P500 Index (23.78), we can say MULT is valued rather cheaply.
| 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
MULT's 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
With a Yearly Dividend Yield of 3.90%, MULT has a reasonable but not impressive dividend return.
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.
Compared to an average S&P500 Dividend Yield of 1.87, MULT pays a better dividend.
| 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%.