Mensch und Maschine Software SE Fundamental Analysis (XETRA: MUM.DE)
Mensch und Maschine Software SE Fundamental Analysis (XETRA: MUM.DE)
Mensch und Maschine Software SE (XETRA: MUM.DE) shows moderate financial fundamentals with a PE ratio of 18.88, profit margin of 13.07%, and ROE of 42.20%. The company generates $0.3B in annual revenue with weak year-over-year growth of -26.78%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 22.5/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MUM.DE's fundamental strength across five key dimensions:
Efficiency Score
ExcellentMUM.DE demonstrates superior asset utilization.
Valuation Score
ExcellentMUM.DE trades at attractive valuation levels.
Growth Score
WeakMUM.DE faces weak or negative growth trends.
Financial Health Score
ModerateMUM.DE shows balanced financial health with some risks.
Profitability Score
ModerateMUM.DE maintains healthy but balanced margins.
Key Financial Metrics
Is MUM.DE Expensive or Cheap?
P/E Ratio
MUM.DE trades at 18.88 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, MUM.DE's PEG of 1.88 indicates fair valuation.
Price to Book
The market values Mensch und Maschine Software SE at 6.54 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 9.21 times EBITDA. This is generally considered low.
How Well Does MUM.DE Make Money?
Net Profit Margin
For every $100 in sales, Mensch und Maschine Software SE keeps $13.07 as profit after all expenses.
Operating Margin
Core operations generate 20.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $42.20 in profit for every $100 of shareholder equity.
ROA
Mensch und Maschine Software SE generates $16.41 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Mensch und Maschine Software SE produces operating cash flow of $36.33M, showing steady but balanced cash generation.
Free Cash Flow
Mensch und Maschine Software SE generates strong free cash flow of $34.45M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.07 in free cash annually.
FCF Yield
MUM.DE converts 4.12% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.88
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.88
vs 25 benchmark
P/B Ratio
Price to book value ratio
6.54
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.49
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.82
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.92
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.42
vs 25 benchmark
ROA
Return on assets percentage
0.16
vs 25 benchmark
ROCE
Return on capital employed
0.44
vs 25 benchmark
How MUM.DE Stacks Against Its Sector Peers
| Metric | MUM.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.88 | 35.21 | Better (Cheaper) |
| ROE | 42.20% | 747.00% | Weak |
| Net Margin | 13.07% | -3061.00% (disorted) | Strong |
| Debt/Equity | 0.82 | 0.66 | Weak (High Leverage) |
| Current Ratio | 0.92 | 6.21 | Weak Liquidity |
| ROA | 16.41% | 174.00% | Weak |
MUM.DE outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Mensch und Maschine Software SE's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-1.51%
Industry Style: Growth, Innovation, High Beta
DecliningEPS CAGR
71.23%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
-51.46%
Industry Style: Growth, Innovation, High Beta
Declining