Multitude AG (MULT.DE)
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No price history available.
Key financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | €m | 230 | 215 | 213 | 233 | - | 255 | 248 | 246 |
| Operating profit | €m | 37 | 33 | ||||||
| Net profit | €m | 0 | 1 | 12 | 11 | - | 27 | 26 | 28 |
| EPS reported | € | 1.04 | 0.93 | ||||||
| Operating cashflow per share | € | 4.69 | 3.45 | ||||||
| Capex per share | € | 0.04 | 0.04 | ||||||
| FCF per share | € | 4.65 | 3.41 | ||||||
| Free cash flow | €m | 100 | 98 | ||||||
| Net debt | €m | -241 | -327 | ||||||
| Book value equity | €m | 163 | 156 | ||||||
| Book value per share | € | 7.26 | 6.92 | ||||||
| Number of shares | m | 22.45 | 22.49 | ||||||
| DPS (TTM paid) | € | 0.55 | 0.55 |
Financial summary
Financials in EUR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 5.63 | - | ||||||
| P/B LTM | x | 0.77 | 0.81 | ||||||
| P/S LTM | x | 0.49 | 0.51 | ||||||
| P/FCF LTM | x | 1.26 | 1.28 | ||||||
| EV/EBITDA LTM | x | -0.38 | -0.37 | ||||||
| EV/Sales LTM | x | -0.08 | -0.80 | ||||||
| Earnings Yield LTM | % | +17.76% | +13.14% | ||||||
| FCF Yield | % | +79.37% | +77.86% | ||||||
| Quality | |||||||||
| ROE | % | +16.35% | +10.54% | ||||||
| ROIC | % | +2.32% | +1.19% | ||||||
| Operating margin | % | +14.57% | +11.83% | ||||||
| Gross margin | % | +76.05% | +74.39% | ||||||
| FCF/Sales | % | +39.03% | +39.41% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +103.92% | - | ||||||
| Sales Growth YoY | % | +9.63% | - | ||||||
| Net Income Growth YoY | % | +141.11% | - | ||||||
| FCF Growth | % | -22.50% | - | ||||||
| Operating Profit Growth | % | -70.57% | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +7.50% | +9.17% | ||||||
| Dividend Growth | % | +44.74% | - | ||||||
| Payout Ratio | % | +40.35% | +35.35% | ||||||
| FCF/Debt | x | 0.63 | 0.48 | ||||||
| Net Debt/EBITDA | x | -2.61 | -6.95 | ||||||
| EBIT/Net interest | x | 3.10 | 2.33 | ||||||
| Net debt/market cap | % | +1.24% | +1.57% | ||||||
| Net debt/Equity | x | -1.48 | -2.10 | ||||||
| Gross debt/equity | x | 0.97 | 1.30 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Multitude AG, along with its various subsidiaries, provides a comprehensive suite of digital financial services in Finland, encompassing both lending and online banking. Its diverse credit offerings include micro, Plus, and Prime loans, as well as installment-based, secured, and revolving credit facilities. The company further extends financial solutions for working capital, credit lines, and purchase financing. Beyond its lending activities, Multitude AG also manages savings and current accounts, offers fixed-term deposit options, and issues both debit and credit cards. The firm was established in 2005 and its principal office is located in Zug, Switzerland.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
Multitude AG, along with its various subsidiaries, provides a comprehensive suite of digital financial services in Finland, encompassing both lending and online banking. Its diverse credit offerings include micro, Plus, and Prime loans, as well as installment-based, secured, and revolving credit facilities. The company further extends financial solutions for working capital, credit lines, and purchase financing. Beyond its lending activities, Multitude AG also manages savings and current accounts, offers fixed-term deposit options, and issues both debit and credit cards. The firm was established in 2005 and its principal office is located in Zug, Switzerland.
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