Edenred SE

LSE:0MUM Stock Report

Market Cap: €6.5b

Edenred Valuation

Is 0MUM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • 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 0MUM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
€55.92
Fair Value
51.8% undervalued intrinsic discount
16
Number of Analysts

Below Fair Value: 0MUM (€26.98) is trading below our estimate of fair value (€55.92)

Significantly Below Fair Value: 0MUM is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0MUM?

Key metric: As 0MUM is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0MUM. This is calculated by dividing 0MUM's market cap by their current earnings.
What is 0MUM's PE Ratio?
PE Ratio12.8x
Earnings€507.00m
Market Cap€6.55b

Price to Earnings Ratio vs Peers

How does 0MUM's PE Ratio compare to its peers?

The above table shows the PE ratio for 0MUM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average97.8x
WISE Wise
24.2x-5.3%UK£10.5b
BOKU Boku
174.6x44.6%UK£487.1m
PAY PayPoint
12xn/aUK£480.3m
WPS W.A.G payment solutions
180.3x35.4%UK£408.5m
0MUM Edenred
12.8x8.6%€6.5b

Price-To-Earnings vs Peers: 0MUM is good value based on its Price-To-Earnings Ratio (12.8x) compared to the peer average (97.8x).

Price to Earnings Ratio vs Industry

How does 0MUM's PE Ratio compare vs other companies in the GB Diversified Financial Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
NBS Nationwide Building Society
1.2xn/aUS$1.60b
No more companies available in this PE range
0MUM 12.8xIndustry Avg. 13.2xNo. of Companies3PE01020304050+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0MUM is good value based on its Price-To-Earnings Ratio (12.8x) compared to the European Diversified Financial industry average (13.2x).

Price to Earnings Ratio vs Fair Ratio

What is 0MUM'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.

0MUM PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.8x
Fair PE Ratio15.5x

Price-To-Earnings vs Fair Ratio: 0MUM is good value based on its Price-To-Earnings Ratio (12.8x) compared to the estimated Fair Price-To-Earnings Ratio (15.5x).

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 0MUM forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€26.95
€42.83
+58.9%
15.5%€52.00€29.80n/a16
Apr ’26€30.32
€43.64
+43.9%
16.6%€55.00€29.80n/a16
Mar ’26€30.34
€43.64
+43.8%
16.6%€55.00€29.80n/a16
Feb ’26€32.93
€43.83
+33.1%
16.8%€55.00€29.80n/a16
Jan ’26€31.24
€47.74
+52.8%
21.5%€68.00€28.30n/a16
Dec ’25€31.19
€47.57
+52.5%
22.3%€68.00€25.60n/a16
Nov ’25€29.49
€49.46
+67.7%
21.3%€68.00€31.80n/a16
Oct ’25€34.78
€57.64
+65.7%
18.0%€76.00€31.80n/a16
Sep ’25€38.15
€58.92
+54.5%
17.4%€76.00€33.20n/a16
Aug ’25€37.44
€58.92
+57.4%
17.4%€76.00€33.20n/a16
Jul ’25€39.93
€61.92
+55.1%
13.3%€76.00€38.60n/a17
Jun ’25€43.20
€62.71
+45.2%
13.1%€76.00€40.00n/a17
May ’25€44.72
€63.18
+41.3%
13.1%€76.00€40.00€27.3817
Apr ’25€49.27
€65.19
+32.3%
8.2%€76.00€55.00€30.3216
Mar ’25€46.43
€66.51
+43.2%
7.9%€76.00€55.00€30.3416
Feb ’25€54.48
€67.09
+23.1%
8.6%€78.00€58.00€32.9315
Jan ’25€54.12
€66.57
+23.0%
8.8%€78.00€55.00€31.2415
Dec ’24€50.45
€66.43
+31.7%
8.4%€78.00€55.00€31.1915
Nov ’24€49.64
€65.96
+32.9%
7.5%€72.50€55.00€29.4914
Oct ’24€59.53
€67.58
+13.5%
4.6%€72.50€61.00€34.7813
Sep ’24€58.52
€67.32
+15.0%
4.6%€72.50€61.00€38.1514
Aug ’24€58.53
€66.96
+14.4%
4.6%€72.50€61.00€37.4413
Jul ’24€61.33
€65.93
+7.5%
4.5%€69.00€60.00€39.9313
Jun ’24€60.52
€65.86
+8.8%
4.3%€69.00€60.00€43.2014
May ’24€58.86
€63.03
+7.1%
6.9%€68.00€50.00€44.7214
AnalystConsensusTarget
Consensus Narrative from 16 Analysts
€42.86
Fair Value
37.1% undervalued intrinsic discount
16
Number of Analysts

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.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/07 22:23
End of Day Share Price 2025/05/07 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Edenred SE is covered by 36 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hubert D'AillieresBanco BPI, S.A.
Julian EasthopeBarclays
Edward BirkinBarclays