Multitude Valuation

Is E4I undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of E4I when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: E4I (€4.61) is trading below our estimate of fair value (€13.41)

Significantly Below Fair Value: E4I is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for E4I?

Other financial metrics that can be useful for relative valuation.

E4I key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.5x

Price to Earnings Ratio vs Peers

How does E4I's PE Ratio compare to its peers?

The above table shows the PE ratio for E4I vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average52.5x
OT8 Eleving Group
9.6xn/a€190.9m
NF4 Netfonds
134.5x61.8%€92.7m
CAG0 Clere
33.7xn/a€95.0m
EUX EUWAX
32.5xn/a€175.1m
E4I Multitude
9.8x20.7%€101.4m

Price-To-Earnings vs Peers: E4I is good value based on its Price-To-Earnings Ratio (9.8x) compared to the peer average (52.5x).


Price to Earnings Ratio vs Industry

How does E4I's PE Ratio compare vs other companies in the European Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a21.6%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a21.6%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: E4I is expensive based on its Price-To-Earnings Ratio (9.8x) compared to the European Consumer Finance industry average (8.8x).


Price to Earnings Ratio vs Fair Ratio

What is E4I's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

E4I PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.8x
Fair PE Ratio13.2x

Price-To-Earnings vs Fair Ratio: E4I is good value based on its Price-To-Earnings Ratio (9.8x) compared to the estimated Fair Price-To-Earnings Ratio (13.2x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst E4I forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€4.61
€9.73
+111.2%
32.2%€13.20€5.20n/a4
Nov ’25€4.87
€9.73
+99.9%
32.2%€13.20€5.20n/a4
Oct ’25€4.37
€8.97
+105.4%
36.6%€13.20€5.20n/a3
Sep ’25€5.25
€8.97
+70.8%
36.6%€13.20€5.20n/a3
Aug ’25€5.18
€8.97
+73.1%
36.6%€13.20€5.20n/a3
Jul ’25€5.98
€8.97
+49.9%
36.6%€13.20€5.20n/a3
Jun ’25€5.90
€8.97
+52.0%
36.6%€13.20€5.20n/a3
May ’25€5.24
€8.47
+61.6%
40.5%€13.20€5.20n/a3
Apr ’25€5.10
€8.27
+62.1%
38.1%€12.60€5.20n/a3
Mar ’25€4.36
€8.27
+89.6%
38.1%€12.60€5.20n/a3
Feb ’25€4.38
€8.27
+88.7%
38.1%€12.60€5.20n/a3
Jan ’25€4.34
€8.03
+85.1%
37.2%€12.10€5.00n/a3
Dec ’24€4.20
€7.53
+79.4%
36.1%€11.10€4.50n/a3
Nov ’24€2.90
€7.70
+165.5%
35.0%€11.10€4.50€4.873
Oct ’24€3.38
€7.70
+127.8%
35.0%€11.10€4.50€4.373
Sep ’24€3.32
€7.70
+131.9%
35.0%€11.10€4.50€5.253
Aug ’24€3.20
€7.70
+140.6%
35.0%€11.10€4.50€5.183
Jul ’24€3.40
€7.70
+126.5%
35.0%€11.10€4.50€5.983
Jun ’24€3.96
€8.15
+105.8%
27.3%€11.10€5.00€5.904
May ’24€4.04
€8.15
+101.7%
27.3%€11.10€5.00€5.244
Apr ’24€4.02
€8.15
+102.7%
27.3%€11.10€5.00€5.104
Mar ’24€3.80
€7.90
+107.9%
29.6%€11.10€5.00€4.364
Feb ’24€3.78
€7.53
+99.1%
37.7%€11.10€3.50€4.384
Jan ’24€2.87
€7.53
+162.2%
37.7%€11.10€3.50€4.344
Dec ’23€2.80
€7.53
+168.8%
37.7%€11.10€3.50€4.204
Nov ’23€2.86
€7.53
+163.1%
37.7%€11.10€3.50€2.904

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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