MULTITUDE PLC (MULT.DE) Stock Fundamental Analysis
FRA:MULT - CH1398992755 - Common Stock
6.75 EUR
-0.43 (-5.99%)
MULT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. MULT has a medium profitability rating, but doesn't score so well on its financial health evaluation. MULT may be a bit undervalued, certainly considering the very reasonable score on growth
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.
MULT had positive earnings in 4 of the past 5 years.
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
Looking at the Return On Assets, with a value of 1.53%, MULT is in line with its industry, outperforming 50.00% of the companies in the same industry.
MULT's Return On Equity of 9.35% is fine compared to the rest of the industry. MULT outperforms 62.50% of its industry peers.
MULT's Return On Invested Capital of 2.37% is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
MULT had an Average Return On Invested Capital over the past 3 years of 3.37%. This is in line with the industry average of 4.69%.
| 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 of 8.56%. This is in the better half of the industry: MULT outperforms 62.50% of its industry peers.
MULT's Profit Margin has declined in the last couple of years.
MULT's Operating Margin of 14.95% is in line compared to the rest of the industry. MULT outperforms 50.00% of its industry peers.
MULT's Operating Margin has declined in the last couple of years.
MULT has a Gross Margin of 101.83%. This is amongst the best in the industry. MULT outperforms 87.50% of its industry peers.
| 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.
The number of shares outstanding for MULT remains at a similar level compared to 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 0.61. This is a bad value and indicates that MULT is not financially healthy and even has some risk of bankruptcy.
MULT's Altman-Z score of 0.61 is fine compared to the rest of the industry. MULT outperforms 62.50% 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.
The Debt to FCF ratio of MULT (8.97) is comparable to the rest of the industry.
A Debt/Equity ratio of 3.86 is on the high side and indicates that MULT has dependencies on debt financing.
MULT's Debt to Equity ratio of 3.86 is on the low side compared to the rest of the industry. MULT is outperformed by 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.86 | ||
| Debt/FCF | 8.97 | ||
| Altman-Z | 0.61 |
ROIC/WACC0.31
WACC7.54%
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 better Current ratio (1.20) than 75.00% 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.
Looking at the Quick ratio, with a value of 1.20, MULT is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
MULT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.33%, which is quite good.
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.
MULT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -36.30%.
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 20.11% on average over the next years. This is a very strong growth
MULT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.82% yearly.
EPS Next Y30.41%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
EPS Next 5YN/A
Revenue Next Year2.07%
Revenue Next 2Y3.4%
Revenue Next 3Y3.82%
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
With a Price/Earnings ratio of 8.13, the valuation of MULT can be described as very reasonable.
Based on the Price/Earnings ratio, MULT is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of MULT to the average of the S&P500 Index (27.44), we can say MULT is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.24, the valuation of MULT can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of MULT indicates a rather cheap valuation: MULT is cheaper than 87.50% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, MULT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 5.24 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, MULT is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.7 | ||
| EV/EBITDA | -2.66 |
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 20.11% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y24.33%
EPS Next 3Y20.11%
5. Dividend
5.1 Amount
MULT has a Yearly Dividend Yield of 3.33%.
Compared to an average industry Dividend Yield of 3.47, MULT pays a bit more dividend than its industry peers.
MULT's Dividend Yield is a higher than the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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.
The dividend of MULT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP21.95%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
FRA:MULT (9/11/2025, 7:00:00 PM)
6.75
-0.43 (-5.99%)
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 Cap146.61M
Analysts84
Price Target11.04 (63.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
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)12.76%
PT rev (3m)18.09%
EPS NQ rev (1m)5%
EPS NQ rev (3m)5%
EPS NY rev (1m)6.86%
EPS NY rev (3m)6.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.13 | ||
| Fwd PE | 5.24 | ||
| P/S | 0.67 | ||
| P/FCF | 1.7 | ||
| P/OCF | 1.48 | ||
| P/B | 0.73 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | -2.66 |
EPS(TTM)0.83
EY12.3%
EPS(NY)1.29
Fwd EY19.08%
FCF(TTM)3.98
FCFY58.98%
OCF(TTM)4.55
OCFY67.46%
SpS10.09
BVpS9.24
TBVpS7.69
PEG (NY)0.27
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 | 0.61 |
F-Score4
WACC7.54%
ROIC/WACC0.31
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 Y30.41%
EPS Next 2Y24.33%
EPS Next 3Y20.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-36.3%
Revenue growth 3Y2.61%
Revenue growth 5Y-5.52%
Sales Q2Q%0.31%
Revenue Next Year2.07%
Revenue Next 2Y3.4%
Revenue Next 3Y3.82%
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