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Multitude AG

Multitude AG

MULT · XETRA · Financial Services / Banks - Regional

5.82EUR-0.02 (-0.34%)

Price History

Full chart

Market Stats

Previous Close5.84
Open5.78
Day Range5.78 – 5.84
52-Week Range4.87 – 6.53
Volume1.19K
Market Cap130.61M
P/E (TTM)6.56
Forward P/E3.28
EPS0.93
Dividend Yield9.02%
Beta0.88
50-Day Avg5.69
200-Day Avg5.91

About

Multitude AG, together with its subsidiaries, provides digital lending and online banking services in Finland. Its loan portfolio consists of micro loans, Plus loans, Prime loans, instalment loans, secured loans, and revolving credit facilities; and working capital, credit line, and purchase financing. The company also provides saving and current accounts, and fixed-term deposits; and debit and credit cards. The company was founded in 2005 and is headquartered in Zug, Switzerland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Antti Kumpulainen B.Sc.
  • Employees750
  • HeadquartersGrafenauweg 8, Zug, Switzerland, 6300, Germany
  • Websitehttps://www.multitude.com

Leadership

  • Mr. Antti Kumpulainen B.Sc.Chief Executive Officer · b. 1980
  • Mr. Jorma Olavi JokelaFounder & Non-Independent Director · b. 1979
  • Magistrate Bernd Egger M.B.A., M.Sc., MBA MScChief Financial Officer · b. 1971
  • Mr. Kornel KabeleChief Technology Officer · b. 1976
  • Ms. Lea Liigus L.L.M.Chief Legal & Compliance Officer and Director · b. 1972
  • Mr. Shaun VellaChief HR Officer · b. 1984
  • Mr. Adam Hansson-Tönning B.Sc.Head of Investor Relations & Treasury · b. 1991
  • Mr. Kristjan Kajakas B.A.Tribe Chief Executive Officer of Consumer Banking · b. 1981
  • Lilita GribonikaHead of Risk & Fraud Control · b. 1975
  • Mr. Mantvydas StareikaTribe Chief Executive Officer of SME Banking · b. 1986

Financials

Income Statement

Currency: EUR2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue70.61M111.10M154.29M221.68M262.23M293.31M230.09M214.75M212.83M232.92M246.73M255.36M
Growth (%)-+57.35%+38.87%+43.68%+18.30%+11.85%-21.56%-6.67%-0.90%+9.44%+5.93%+3.50%
Cost of Revenue17.32M23.70M32.12M45.38M57.80M66.90M58.78M57.70M54.62M24.11M71.57M61.15M
Gross Profit53.28M87.41M122.17M176.29M204.43M226.41M171.30M157.05M158.20M208.81M175.16M194.21M
Gross Margin75.46%78.67%79.18%79.53%77.96%77.19%74.45%73.13%74.33%89.65%70.99%76.05%
Operating Expense42.67M70.93M101.03M144.45M166.63M92.77M76.31M79.53M130.26M171.65M-43.81M157.00M
Operating Income10.61M16.48M21.14M31.84M37.80M133.65M94.99M77.52M27.94M37.17M218.97M37.20M
Operating Margin15.03%14.83%13.70%14.36%14.41%45.57%41.29%36.10%13.13%15.96%88.75%14.57%
EBITDA48.03M83.22M113.09M176.83M207.26M143.17M104.29M89.61M41.52M49.43M36.30M56.29M
EBITDA Margin68.02%74.90%73.30%79.77%79.04%48.81%45.33%41.73%19.51%21.22%14.71%22.04%
Net Income5.62M10.93M12.96M20.06M19.27M23.65M484.00K1.23M11.77M11.05M20.23M26.65M
Net Income Margin7.96%9.84%8.40%9.05%7.35%8.06%0.21%0.57%5.53%4.74%8.20%10.44%
R&D-----4.66M6.08M8.48M9.63M9.98M--
R&D as % of Total Revenue-----1.59%2.64%3.95%4.53%4.29%--
Interest Expense99.00K95.00K161.00K38.00K86.00K469.00K323.00K194.00K230.00K13.14M584.00K12.01M
Interest Expense % of Total Revenue0.14%0.09%0.10%0.02%0.03%0.16%0.14%0.09%0.11%5.64%0.24%4.70%

Balance Sheet

Currency: EUR2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets79.81M140.13M295.68M436.60M500.19M618.83M675.08M819.03M755.23M990.88M1.10B1.39B
Total Liabilities58.36M62.49M207.81M331.35M392.81M489.69M549.51M649.54M573.27M807.23M949.98M1.22B
Total Equity21.44M77.64M87.88M105.24M107.38M129.14M125.57M169.49M181.96M138.65M193.75M162.97M
Cash8.03M17.45M73.06M131.83M115.56M155.52M236.56M301.59M153.32M283.71M249.46M304.18M
Total Debt46.82M49.27M90.71M133.79M182.58M223.48M179.23M143.51M51.36M97.77M126.99M157.46M
Net Debt38.79M31.82M17.66M1.96M67.02M67.96M-57.34M-158.08M-101.97M-185.94M-122.47M-146.72M

Cash Flow

Currency: EUR2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-4.47M-8.18M-8.88M-32.69M23.73M33.32M-40.36M20.07M140.36M71.72M-26.15M157.78M-24.86M100.53M
Investing Cash Flow-735.91K-1.00M-1.92M-5.45M-8.27M-11.33M-16.80M-4.85M-13.70M-13.68M-35.33M-188.25M-21.47M-292.49M
Financing Cash Flow2.41M25.11M1.72M47.63M40.86M38.99M44.00M27.99M-43.31M152.50M-99.99M179.36M12.15M246.44M
Capital Expenditure738.29K1.31M1.93M5.46M8.35M10.86M16.09M13.38M12.50M11.54M10.90M10.82M12.73M852.00K
Free Cash Flow-5.21M-9.48M-10.81M-38.15M15.39M22.46M-56.45M6.68M127.86M60.18M-37.05M128.61M-37.58M99.67M
Dividends Paid209.43K790.00K695.00K1.08M2.16M2.59M3.89M3.88M--3.67M2.59M4.12M9.42M
FCF to OCF116.52%115.98%121.74%116.69%64.83%67.40%139.85%33.31%91.09%83.91%141.69%81.51%151.20%99.15%
Dividend Paid to FCF-4.02%-8.33%-6.43%-2.83%14.03%11.55%-6.89%58.10%---9.90%2.01%-10.95%9.45%

Earnings

Report DateMay 13, 2015Aug 28, 2015Sep 30, 2015Mar 24, 2016May 12, 2016Aug 11, 2016Nov 10, 2016Mar 20, 2017May 11, 2017Aug 17, 2017Nov 16, 2017Mar 13, 2018May 30, 2018Aug 15, 2018Nov 14, 2018Mar 14, 2019May 16, 2019Aug 21, 2019Nov 14, 2019Mar 18, 2020May 20, 2020Aug 20, 2020Nov 16, 2020Mar 11, 2021May 12, 2021Aug 19, 2021Nov 18, 2021Mar 15, 2022May 12, 2022Aug 18, 2022Nov 17, 2022Mar 30, 2023May 11, 2023Aug 24, 2023Nov 16, 2023Mar 14, 2024Apr 8, 2024Aug 22, 2024Nov 14, 2024Dec 31, 2024May 22, 2025Aug 21, 2025Nov 13, 2025Mar 15, 2026May 20, 2026Aug 12, 2026Nov 12, 2026
EPS Estimate0.070.11--0.15-0.120.22-0.220.26---0.22--0.230.27------0.010.130.01-0.250.09-0.040.100.000.050.180.14-0.14--0.230.190.200.240.160.180.220.29
EPS Actual0.100.110.170.120.150.130.100.210.230.230.230.460.260.120.210.350.250.240.290.29-0.39-0.110.20-0.00-0.010.130.01-0.250.09-0.040.100.260.050.180.140.140.140.130.180.280.270.280.240.270.130.32-
Surprise42.86%0.00%--0.00%--16.67%-4.55%-4.55%-11.54%----4.55%--4.35%7.41%-----0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.00%0.00%0.00%-0.00%--21.74%42.11%40.00%0.00%68.75%-27.78%45.45%-
TimingPre-marketAfter-hours--After-hours-Pre-market--Pre-market----After-hours--Pre-market----------------------Pre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap130.61M
Enterprise Value-286.84M
Trailing P/E6.56
Forward P/E3.28
Price / Sales0.98
Price / Book0.51
EPS0.93
Book Value7.27
Revenue (TTM)133.67M
Gross Profit (TTM)128.08M
Profit Margin19.14%
Operating Margin23.00%
Return on Equity11.65%
Return on Assets1.82%
Shares Outstanding21.41M
Shares Float7.10M
Beta0.88
Dividend Yield9.02%
Dividend Rate0.55
Payout Ratio57.29%

Dividends

20261×
0.55Apr 29, 2026
20251×
0.44May 15, 2025
20241×
0.19Apr 26, 2024
20191×
0.18Apr 18, 2019
20181×
0.18Apr 20, 2018
20171×
0.12May 5, 2017
20161×
0.10Apr 27, 2016
20151×
0.05Jun 3, 2015