UMT United Mobility Technology AG (HAM:UMD) Short-term investments

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAM:UMD UMT United Mobility Technology AG HAM:UMD
63 GF Score
Price €1.02
GF Value €0.90
! 2 Warning Signs
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What is UMT United Mobility Technology AG Short-term investments?

Short-term investments only applies to insurance companies.

HAM:UMD
63GF Score
UMT United Mobility Technology AG HAM:UMD
Short-term investments is just one metric. See GF Score™, valuation, warning signs, and more.
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Is UMT United Mobility Technology AG (HAM:UMD) Overvalued in 2026?

Based on GuruFocus' analysis, UMT United Mobility Technology AG stock appears to be overvalued. The current stock price of €1.02 is trading 13.3% above its estimated GF Value™ of €0.90.

Key valuation signals for HAM:UMD:

  • Short-term investments:
  • GF Value™: €0.90 vs. price of €1.02 (13.3% above fair value)
  • GF Score™: 63/100 with 2 warning signs

No single metric tells the full story. See the HAM:UMD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UMT United Mobility Technology AG Business Description

Other Exchanges UMD:Germany
Address Brienner Strasse 7, Munich, BY, DEU, 80333
UMT United Mobility Technology AG is a German technology company that develops and operates mobile payment, loyalty, and data analytics solutions. It provides white-label platforms and apps that allow businesses to integrate electronic payment, couponing, and customer loyalty functions into their own digital offerings. Its clients are primarily large-scale B2B customers, including retailers, hotel and hospitality operators, infrastructure and transport providers, automotive companies, and mobile service providers. A notable example is its work on the PAYBACK mobile app. The company generates revenue through licensing, project development, and transaction-based fees tied to its payment and loyalty platforms. Its activities are focused on the German market, with some operations serving international clients. UMT positions itself in sectors with lower digitalization and steady demand, aiming to connect merchants and consumers through mobile-centric payment and analytics services.
63GF Score

Get the complete analysis for HAM:UMD

Short-term investments is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.02
Price
€0.90
GF Value