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Mensch und Maschine Software SE (DE:MUM)
XETRA:MUM
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Mensch und Maschine Software SE (MUM) AI Stock Analysis

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DE:MUM

Mensch und Maschine Software SE

(XETRA:MUM)

Rating:73Outperform
Price Target:
€59.00
▲(16.14%Upside)
The overall stock score is primarily driven by strong financial performance, supported by a solid balance sheet and efficient cash management. Technical analysis shows mixed signals, with potential short-term weakness but medium to long-term strength. Valuation is slightly high, though balanced by a reasonable dividend yield.

Mensch und Maschine Software SE (MUM) vs. iShares MSCI Germany ETF (EWG)

Mensch und Maschine Software SE Business Overview & Revenue Model

Company DescriptionMensch und Maschine Software SE provides computer aided design, manufacturing, and engineering (CAD/CAM/CAE), product data management, and building information modeling/management solutions in Germany and internationally. It operates in two segments, VAR Business and M+M Software. The VAR Business segment sells CAD software to end users, as well as provides associated services. The M+M Software segments develops CAD/CAM/CAE software. The company offers software solutions that are used for the process control of milling, drilling, and turning in various industries, such as mechanical engineering; tool, mold, and die making; automotive and aerospace industry; process control; medical technology; and toy industry, as well as watch, clock, and jewelry manufacturing. Mensch und Maschine Software SE was founded in 1984 and is headquartered in Starnberg, Germany.
How the Company Makes MoneyMensch und Maschine Software SE makes money primarily through the sale of software licenses, maintenance contracts, and professional services. The company's revenue model is diversified into two main segments: proprietary software development and third-party software distribution. The proprietary segment includes sales of their own software products, which are often tailored to specific industry needs, providing MUM with higher margins. The distribution segment involves partnerships with major software vendors like Autodesk, where MUM acts as a reseller, earning commissions or margins on the sale of these third-party products. Additionally, the company generates revenue from consulting, training, and support services, which are essential for clients to maximize the value of their software investments. Significant partnerships with industry leaders and a strong customer base in Europe further bolster MUM's revenue streams.

Mensch und Maschine Software SE Financial Statement Overview

Summary
Mensch und Maschine Software SE presents a strong financial performance across all fronts. The company has maintained steady revenue growth and robust profitability, supported by strong operational margins. The balance sheet is well-managed with low leverage, and cash flows indicate efficient cash management and growth potential.
Income Statement
85
Very Positive
The company demonstrates strong financials with a consistent increase in revenue and profitability over the years. The Gross Profit Margin is healthy at approximately 53.6% in 2024, with a Net Profit Margin around 9.4%, indicating effective cost management. The EBIT Margin is solid at 14.3%, and the EBITDA Margin stands at 17.3%, both reflecting strong operational efficiency. Revenue growth from 2023 to 2024 is modest but positive at 1.1%, showing stable growth in a competitive industry.
Balance Sheet
78
Positive
Mensch und Maschine Software SE exhibits a solid balance sheet with a Debt-to-Equity Ratio of 0.19, indicating low leverage and financial stability. The Return on Equity is robust at 30.9%, showcasing excellent profitability relative to shareholder equity. The Equity Ratio is 46.5%, reflecting a balanced capital structure with substantial equity backing. Overall, the company maintains a strong position with manageable liabilities and increasing equity.
Cash Flow
82
Very Positive
The cash flow statement highlights a healthy cash generation capacity, with Operating Cash Flow outpacing Net Income, resulting in a ratio of 2.04. Free Cash Flow has grown significantly by 17.8% from 2023 to 2024, demonstrating improved cash efficiency. The Free Cash Flow to Net Income Ratio is 1.71, indicating strong cash conversion from profits. Overall, the company shows excellent liquidity and the ability to fund its operations and investments internally.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue325.84M322.31M320.48M266.16M243.98M
Gross Profit174.59M168.53M161.14M138.42M127.96M
EBITDA56.29M55.91M51.80M43.72M39.34M
Net Income30.49M28.87M26.01M21.30M18.71M
Balance Sheet
Total Assets211.89M187.20M187.45M160.79M154.73M
Cash, Cash Equivalents and Short-Term Investments43.00M24.87M24.37M20.00M15.98M
Total Debt19.13M19.20M37.86M23.41M30.53M
Total Liabilities106.98M87.44M101.69M67.99M74.57M
Stockholders Equity98.46M92.85M78.69M86.33M73.81M
Cash Flow
Free Cash Flow52.02M44.16M33.35M31.60M29.44M
Operating Cash Flow62.32M50.59M39.05M36.91M33.73M
Investing Cash Flow-10.93M-7.21M-6.12M-8.26M-5.91M
Financing Cash Flow-33.54M-42.97M-28.41M-25.02M-24.54M

Mensch und Maschine Software SE Technical Analysis

Technical Analysis Sentiment
Negative
Last Price50.80
Price Trends
50DMA
54.54
Negative
100DMA
52.70
Negative
200DMA
51.80
Negative
Market Momentum
MACD
-0.45
Positive
RSI
36.68
Neutral
STOCH
13.34
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:MUM, the sentiment is Negative. The current price of 50.8 is below the 20-day moving average (MA) of 53.97, below the 50-day MA of 54.54, and below the 200-day MA of 51.80, indicating a bearish trend. The MACD of -0.45 indicates Positive momentum. The RSI at 36.68 is Neutral, neither overbought nor oversold. The STOCH value of 13.34 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:MUM.

Mensch und Maschine Software SE Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
€873.59M29.0535.14%3.64%-16.41%-1.83%
68
Neutral
¥232.71B14.907.50%2.60%9.27%5.76%
€1.93B42.4064.04%1.75%
€360.55M28.9414.92%1.36%
€14.62B82.0821.00%0.01%
€471.79M-4.80%
€186.38M-0.21%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:MUM
Mensch und Maschine Software SE
50.80
-7.29
-12.55%
GB:0N66
ATOSS Software
122.60
-9.44
-7.15%
GB:0NCA
IVU Traffic Technologies
20.52
6.68
48.27%
GB:0FDT
Nemetschek
126.34
40.10
46.50%
GB:0KUR
PSI AG fuer Produkte und Systeme der Informationstechnologie
30.10
8.90
41.98%
DE:SJJ
Serviceware SE
17.90
5.10
39.84%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 23, 2025