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Multitude AG (MULT.DE)
Zug, CH
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.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.72% | -5.17% | -9.54% | -12.70% | -11.00% | -12.00% | -18.40% | +34.15% | +20.35% | -74.18% | -69.58% |
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 | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+9.6% Q1'26: -2.5% (vs Q4'23)
-
EPS growth+103.9% Q1'26: -14.3% (vs Q4'23)
-
FCF margin— Q1'26: +38.6% (vs Q4'23)
-
EBIT margin— Q1'26: +13.2% (vs Q4'23)
-
ROIC— Q1'26: -13.9% (vs Q4'23)
-
Share dilution+3.9% Q1'26: +3.2% (vs Q4'23)
-
Debt / EBITDA— Q1'26: 4.26× (vs Q4'23)
* 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 2024 actual |
Dec 2025 actual |
Dec 2026 4 Rev. Ana. 4 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 4 Rev. Ana. 3 EPS Ana. |
Dec 2029 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
242.39M
est.
|
255.36M
est: 239.94M (+6.4%)
|
230.42M
200.70M – 266.92M
-4.0% YoY
|
245.54M
215.08M – 273.85M
+6.6% YoY
|
261.83M
257.36M – 266.29M
+6.6% YoY
|
266.00M
232.36M – 302.24M
+1.6% YoY
|
| EBITDA |
174.22M
est.
|
56.29M
est: 172.47M (-67.4%)
|
165.62M
144.26M – 191.86M
-4.0% YoY
|
176.49M
154.60M – 196.84M
+6.6% YoY
|
188.20M
184.99M – 191.40M
+6.6% YoY
|
191.20M
167.02M – 217.24M
+1.6% YoY
|
| EBIT |
153.43M
est.
|
42.80M
est: 151.88M (-71.8%)
|
145.85M
127.04M – 168.96M
-4.0% YoY
|
155.42M
136.14M – 173.34M
+6.6% YoY
|
165.73M
162.91M – 168.56M
+6.6% YoY
|
168.37M
147.08M – 191.31M
+1.6% YoY
|
| Net Income |
15.65M
est.
|
26.65M
est: 23.56M (+13.1%)
|
24.11M
22.85M – 25.37M
+2.3% YoY
|
28.72M
27.80M – 29.64M
+19.1% YoY
|
35.93M
26.80M – 37.75M
+25.1% YoY
|
33.04M
27.61M – 38.90M
-8.0% YoY
|
| SGA |
38.44M
est.
|
—
est: 38.05M (-100.0%)
|
36.54M
31.83M – 42.33M
-4.0% YoY
|
38.94M
34.11M – 43.43M
+6.6% YoY
|
41.52M
40.81M – 42.23M
+6.6% YoY
|
42.18M
36.85M – 47.93M
+1.6% YoY
|
| EPS |
0.72
est.
|
1.09
est: 1.08 (+0.8%)
|
1.09
1.06 – 1.17
+1.1% YoY
|
1.33
1.29 – 1.37
+22.0% YoY
|
1.49
1.24 – 1.75
+11.4% YoY
|
1.53
1.28 – 1.80
+3.0% YoY
|
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 42.6K | 0.28% |
| 2 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 49.0K | 0.22% |
| 3 | Dimensional - International Vector Equity ETF DXIV | 0.00% | 172.15 | 0.53% |
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 CEO 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 MULT.DE
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.
