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Multitude SE (0R4W.L)
Zug, CH
Operating out of Helsinki, Finland, Multitude SE and its subsidiaries specialize in delivering mobile banking solutions and digital lending products to both individual consumers and small-to-medium sized businesses (SMBs). Its comprehensive loan portfolio encompasses diverse offerings such as microloans, PlusLoans, Primeloan, revolving credit facilities, working capital installment loans, and purchase financing. Beyond lending, the company also provides essential banking services, including current and deposit accounts (savings and fixed-term), debit cards, and seamless payment and transfer capabilities. Multitude SE maintains a significant presence across Northern, Western, and Eastern Europe, in addition to other international markets. The company, which was established in 2005, previously operated under the name Ferratum Oyj before officially rebranding as Multitude SE in June 2021.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -5.29% | -0.41% | -14.00% | -8.14% | -3.40% | -4.98% | -15.75% | +53.34% | +24.92% | -73.03% | -76.10% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Diversified: +6.4%+102.1% ★ Q1'26: +78.6% (vs Q1'25)
-
EPS growth Financial - Diversified: +31.3%+87.7% ★ Q1'26: -55.6% (vs Q1'25)
-
FCF margin FCF growth · Financial - Diversified: +349.4%+14.8% Q1'26: +38.6% (vs Q1'25)
-
EBIT margin Financial - Diversified: +49.7%+16.8% Q1'26: +13.2% (vs Q1'25)
-
ROIC Financial - Diversified: +2.3%— Q1'26: -13.9% (vs Q1'25)
-
Share dilution Financial - Diversified: +0.6%-1.5% ★ Q1'26: -0.5% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Diversified: -5.17×2.80× Q1'26: 4.26× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 1 EPS Ana. |
Dec 2027 4 Rev. Ana. 1 EPS Ana. |
Dec 2028 2 Rev. Ana. 1 EPS Ana. |
Dec 2029 3 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
111.15M
est: 110.95M (+0.2%)
|
154.35M
est: 153.20M (+0.7%)
|
222.26M
est: 220.95M (+0.6%)
|
262.43M
est: 257.75M (+1.8%)
|
293.23M
est: 288.37M (+1.7%)
|
230.47M
est: 218.00M (+5.7%)
|
205.58M
est: 208.03M (-1.2%)
|
213.00M
est: 207.92M (+2.4%)
|
119.04M
est: 221.42M (-46.2%)
|
126.37M
est: 242.39M (-47.9%)
|
255.36M
est: 239.94M (+6.4%)
|
243.41M
210.72M – 280.24M
+1.4% YoY
|
257.73M
212.24M – 305.66M
+5.9% YoY
|
259.49M
218.85M – 303.50M
+0.7% YoY
|
265.99M
224.33M – 311.10M
+2.5% YoY
|
| EBITDA |
14.31M
est: 56.27M (-74.6%)
|
-1.05M
est: 13.59M (-107.7%)
|
-677.0K
est: 14.47M (-104.7%)
|
86.0K
est: 21.71M (-99.6%)
|
56.35M
est: 15.73M (+258.3%)
|
41.42M
est: 16.39M (+152.7%)
|
44.45M
est: 17.33M (+156.5%)
|
45.46M
est: 19.78M (+129.8%)
|
52.18M
est: 21.40M (+143.8%)
|
49.76M
est: 73.02M (-31.9%)
|
56.29M
est: 71.13M (-20.9%)
|
72.16M
62.46M – 83.08M
+1.4% YoY
|
76.40M
62.92M – 90.61M
+5.9% YoY
|
76.92M
64.88M – 89.97M
+0.7% YoY
|
78.85M
66.50M – 92.22M
+2.5% YoY
|
| EBIT |
13.01M
est: 49.06M (-73.5%)
|
15.60M
est: 23.07M (-32.4%)
|
22.86M
est: 30.02M (-23.9%)
|
37.84M
est: 37.14M (+1.9%)
|
45.53M
est: 43.69M (+4.2%)
|
28.06M
est: 36.63M (-23.4%)
|
29.12M
est: 38.72M (-24.8%)
|
27.94M
est: 44.20M (-36.8%)
|
37.17M
est: 47.82M (-22.3%)
|
37.28M
est: 53.78M (-30.7%)
|
42.80M
est: 50.28M (-14.9%)
|
51.00M
44.15M – 58.72M
+1.4% YoY
|
54.01M
44.47M – 64.05M
+5.9% YoY
|
54.37M
45.86M – 63.59M
+0.7% YoY
|
55.73M
47.01M – 65.19M
+2.5% YoY
|
| Net Income |
10.93M
est: 11.10M (-1.5%)
|
14.73M
est: 15.30M (-3.7%)
|
23.24M
est: 18.40M (+26.3%)
|
22.33M
est: 23.40M (-4.6%)
|
23.02M
est: 22.28M (+3.3%)
|
484.0K
est: 19.02M (-97.5%)
|
-4.86M
est: 20.11M (-124.1%)
|
8.10M
est: 22.96M (-64.7%)
|
11.05M
est: 24.84M (-55.5%)
|
20.23M
est: 14.91M (+35.7%)
|
26.60M
est: 23.49M (+13.3%)
|
26.01M
20.72M – 31.75M
+10.8% YoY
|
31.06M
24.74M – 37.91M
+19.4% YoY
|
31.93M
25.43M – 38.97M
+2.8% YoY
|
33.26M
26.49M – 40.59M
+4.2% YoY
|
| SGA |
39.20M
est: 17.59M (+122.8%)
|
0.08
est: 56.56M (-100.0%)
|
0.09
est: 85.58M (-100.0%)
|
0.07
est: 91.98M (-100.0%)
|
84.63M
est: 106.76M (-20.7%)
|
84.73M
est: 69.41M (+22.1%)
|
75.15M
est: 73.37M (+2.4%)
|
72.39M
est: 83.76M (-13.6%)
|
75.38M
est: 90.62M (-16.8%)
|
82.02M
est: 101.92M (-19.5%)
|
—
est: 95.39M (-100.0%)
|
96.77M
83.77M – 111.41M
+1.4% YoY
|
102.46M
84.38M – 121.52M
+5.9% YoY
|
103.16M
87.01M – 120.66M
+0.7% YoY
|
105.74M
89.18M – 123.68M
+2.5% YoY
|
| EPS |
0.51
est: 0.50 (+1.4%)
|
0.66
est: 0.61 (+7.7%)
|
1.06
est: 0.96 (+10.6%)
|
1.02
est: 0.91 (+12.4%)
|
1.07
est: 1.14 (-6.2%)
|
0.02
est: -0.11 (+120.4%)
|
-0.22
est: 0.07 (-430.0%)
|
0.38
est: 0.36 (+6.7%)
|
0.51
est: 0.62 (-17.3%)
|
0.66
est: 0.72 (-8.9%)
|
1.22
est: 1.08 (+12.9%)
|
1.20
0.95 – 1.46
+10.8% YoY
|
1.43
1.14 – 1.74
+19.4% YoY
|
1.47
1.17 – 1.79
+2.8% YoY
|
1.53
1.22 – 1.87
+4.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-20 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-18 | A- | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 3/5 |
| 2026-05-15 | A | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-14 | A | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-13 | A | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-12 | A | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A | 4/5 | 3/5 | 5/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-05 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 3/5 | 5/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 3/5 | 5/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-15 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-14 | A | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jorma Jokela | Founder & Non-Independent Director | 6M | male |
| Antti Kumpulainen | Chief Executive Officer | 450.0K | male |
| Lea Liigus | Chief Legal & Compliance Officer and Director | 85.0K | female |
| Kornel Kabele | Chief Technology Officer | — | male |
| Kristjan Kajakas | Tribe Chief Executive Officer of Consumer Banking | — | male |
| Lilita Gribonika | Head of Risk & Fraud Control | — | — |
| Magistrate Bernd Egger | Chief Financial Officer | — | — |
| Mantvydas Stareika | Tribe Chief Executive Officer of SME Banking | — | male |
| Adam Hansson-Tönning | Head of Investor Relations & Treasury | — | male |
| Shaun Vella | Chief HR Officer | — | male |
| Adam Jezierski | Chief Credit Risk Officer | — | male |
| Alain Nydegger | Tribe Chief Executive Officer for Wholesale Banking unit | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 0R4W.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
