_id
69185f113c536f8df2317dcc
Ticker
0R4W.LSE
Name
Multitude SE
Exchange
LSE
Address
Grafenauweg 8, Zug, Switzerland, 6300
Country
UK
Sector
Industry
Currency
EUR
Website
https://www.multitude.com
Description
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 offers saving and current accounts, and fixed-term deposits; and debit and credit cards. The company was incorporated in 2005 and is headquartered in Zug, Switzerland.
Last Close
5.95
Volume
52
Current Price
6.59
Change
-1.680672268907572
Last Updated
2025-11-25T10:43:14.071Z
Image
https://logo.clearbit.com/www.multitude.com
Ipo Date
-
Market Cap
127251000
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
0.996
Sentiment Sources
1
Current Quarter
2024-03-31
Revenue
61950000
Cost Of Revenue
8510000
Gross Profit
53440000
Operating Expenses
19033000
Operating Income
34407000
Interest Expense
8580000
Pretax Income
3032000
Net Income
1551000
Eps
0.07165627165627166
Dividends Per Share
-
Shares Outstanding
21059000
Income Tax Expense
418000
EBITDA
14996000
Operating Margin
55.539951573849876
Total Other Income Expense Net
-31375000
Cash
225033000
Short Term Investments
13861000
Receivables
2256000
Inventories
-
Total Current Assets
661026000
Property Plant Equipment
7178000
Total Assets
960288000
Payables
-
Short Term Debt
1884000
Long Term Debt
-
Total Liabilities
820057000
Equity
140232000
Depreciation
3384000
Change In Working Capital
-11912000
Cash From Operations
16114000
Capital Expenditures
3448000
Cash From Investing
-45014000
Cash From Financing
-29678000
Net Change In Cash
-58679000
PE
-
PB
1.0171754663700154
ROE
1.1060243025842889
ROA
0.1615140457862641
FCF
12666000
Fcf Percent
0.20445520581113802
Piotroski FScore
4
Health Score
52
Deep Value Investing Score
9
Defensive Investing Score
3.5
Dividend Investing Score
3
Economic Moat Investing Score
6.3
Garp Investing Score
2.5
Growth Investing Score
3
Momentum Investing Score
6.5
Net Net Investing Score
5.5
Quality Investing Score
4.5
Value Investing Score
8.5
Quarters > 0 > quarter
2024-03-31
Quarters > 0 > income Statement > revenue
61950000
Quarters > 0 > income Statement > cost Of Revenue
8510000
Quarters > 0 > income Statement > gross Profit
53440000
Quarters > 0 > income Statement > operating Expenses
19033000
Quarters > 0 > income Statement > operating Income
34407000
Quarters > 0 > income Statement > interest Expense
8580000
Quarters > 0 > income Statement > pretax Income
3032000
Quarters > 0 > income Statement > net Income
1551000
Quarters > 0 > income Statement > eps
0.07165627165627166
Quarters > 0 > income Statement > dividends Per Share
-
Quarters > 0 > income Statement > shares Outstanding
21645000
Quarters > 0 > income Statement > income Tax Expense
418000
Quarters > 0 > income Statement > EBITDA
14996000
Quarters > 0 > income Statement > operating Margin
55.539951573849876
Quarters > 0 > income Statement > total Other Income Expense Net
-31375000
Quarters > 0 > balance Sheet > cash
225033000
Quarters > 0 > balance Sheet > short Term Investments
13861000
Quarters > 0 > balance Sheet > receivables
2256000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
661026000
Quarters > 0 > balance Sheet > property Plant Equipment
7178000
Quarters > 0 > balance Sheet > total Assets
960288000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
1884000
Quarters > 0 > balance Sheet > long Term Debt
-
Quarters > 0 > balance Sheet > total Liabilities
820057000
Quarters > 0 > balance Sheet > equity
140232000
Quarters > 0 > cash Flow > net Income
1551000
Quarters > 0 > cash Flow > depreciation
3384000
Quarters > 0 > cash Flow > change In Working Capital
-11912000
Quarters > 0 > cash Flow > cash From Operations
16114000
Quarters > 0 > cash Flow > capital Expenditures
3448000
Quarters > 0 > cash Flow > cash From Investing
-45014000
Quarters > 0 > cash Flow > cash From Financing
-29678000
Quarters > 0 > cash Flow > net Change In Cash
-58679000
Quarters > 0 > ratios > PE
0.07165627165627166
Quarters > 0 > ratios > PB
1.0171754663700154
Quarters > 0 > ratios > ROE
1.1060243025842889
Quarters > 0 > ratios > ROA
0.1615140457862641
Quarters > 0 > ratios > FCF
12666000
Quarters > 0 > ratios > Piotroski FScore
4
Quarters > 0 > ratios > fcf Percent
0.20445520581113802
Quarters > 0 > health Score
52
Quarters > 1 > quarter
2023-12-31
Quarters > 1 > income Statement > revenue
63807000
Quarters > 1 > income Statement > cost Of Revenue
-6192000
Quarters > 1 > income Statement > gross Profit
69999000
Quarters > 1 > income Statement > operating Expenses
27951000
Quarters > 1 > income Statement > operating Income
4536000
Quarters > 1 > income Statement > interest Expense
12811000
Quarters > 1 > income Statement > pretax Income
3867000
Quarters > 1 > income Statement > net Income
2978000
Quarters > 1 > income Statement > eps
0.13753664661177917
Quarters > 1 > income Statement > dividends Per Share
-
Quarters > 1 > income Statement > shares Outstanding
21652411
Quarters > 1 > income Statement > income Tax Expense
-244000
Quarters > 1 > income Statement > EBITDA
20197000
Quarters > 1 > income Statement > operating Margin
7.1089378908270255
Quarters > 1 > income Statement > total Other Income Expense Net
-669000
Quarters > 1 > balance Sheet > cash
283712000
Quarters > 1 > balance Sheet > short Term Investments
13550000
Quarters > 1 > balance Sheet > receivables
1832000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
702589000
Quarters > 1 > balance Sheet > property Plant Equipment
7715000
Quarters > 1 > balance Sheet > total Assets
990878000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
2241000
Quarters > 1 > balance Sheet > long Term Debt
-
Quarters > 1 > balance Sheet > total Liabilities
852232000
Quarters > 1 > balance Sheet > equity
138646000
Quarters > 1 > cash Flow > net Income
2978000
Quarters > 1 > cash Flow > depreciation
3519000
Quarters > 1 > cash Flow > change In Working Capital
-22182000
Quarters > 1 > cash Flow > cash From Operations
28697000
Quarters > 1 > cash Flow > capital Expenditures
2787000
Quarters > 1 > cash Flow > cash From Investing
-53952000
Quarters > 1 > cash Flow > cash From Financing
140702000
Quarters > 1 > cash Flow > net Change In Cash
116672000
Quarters > 1 > ratios > PE
0.13753664661177917
Quarters > 1 > ratios > PB
1.0291633980785597
Quarters > 1 > ratios > ROE
2.14791627598344
Quarters > 1 > ratios > ROA
0.30054153992721605
Quarters > 1 > ratios > FCF
25910000
Quarters > 1 > ratios > Piotroski FScore
4
Quarters > 1 > ratios > fcf Percent
0.40606829971633207
Quarters > 1 > health Score
53
Quarters > 2 > quarter
2023-09-30
Quarters > 2 > income Statement > revenue
58522000
Quarters > 2 > income Statement > cost Of Revenue
15192000
Quarters > 2 > income Statement > gross Profit
43330000
Quarters > 2 > income Statement > operating Expenses
14709000
Quarters > 2 > income Statement > operating Income
12052000
Quarters > 2 > income Statement > interest Expense
5330000
Quarters > 2 > income Statement > pretax Income
5805000
Quarters > 2 > income Statement > net Income
4875000
Quarters > 2 > income Statement > eps
0.22592455278524423
Quarters > 2 > income Statement > dividends Per Share
-2000
Quarters > 2 > income Statement > shares Outstanding
21578000
Quarters > 2 > income Statement > income Tax Expense
930000
Quarters > 2 > income Statement > EBITDA
54313000
Quarters > 2 > income Statement > operating Margin
20.59396466286183
Quarters > 2 > income Statement > total Other Income Expense Net
-906000
Quarters > 2 > balance Sheet > cash
167040000
Quarters > 2 > balance Sheet > short Term Investments
11604000
Quarters > 2 > balance Sheet > receivables
9716000
Quarters > 2 > balance Sheet > inventories
429849000
Quarters > 2 > balance Sheet > total Current Assets
619686000
Quarters > 2 > balance Sheet > property Plant Equipment
8187000
Quarters > 2 > balance Sheet > total Assets
819534000
Quarters > 2 > balance Sheet > payables
10615000
Quarters > 2 > balance Sheet > short Term Debt
1942000
Quarters > 2 > balance Sheet > long Term Debt
-
Quarters > 2 > balance Sheet > total Liabilities
635166000
Quarters > 2 > balance Sheet > equity
184368000
Quarters > 2 > cash Flow > net Income
4874000
Quarters > 2 > cash Flow > depreciation
4411000
Quarters > 2 > cash Flow > change In Working Capital
-39330000
Quarters > 2 > cash Flow > cash From Operations
-5937000
Quarters > 2 > cash Flow > capital Expenditures
3173000
Quarters > 2 > cash Flow > cash From Investing
-178000
Quarters > 2 > cash Flow > cash From Financing
-23357000
Quarters > 2 > cash Flow > net Change In Cash
-29667000
Quarters > 2 > ratios > PE
0.22592455278524423
Quarters > 2 > ratios > PB
0.7712782044606439
Quarters > 2 > ratios > ROE
2.6441681853683936
Quarters > 2 > ratios > ROA
0.5948502441631464
Quarters > 2 > ratios > FCF
-9110000
Quarters > 2 > ratios > Piotroski FScore
2
Quarters > 2 > ratios > fcf Percent
-0.15566795393185467
Quarters > 2 > health Score
33
Quarters > 3 > quarter
2023-06-30
Quarters > 3 > income Statement > revenue
55957000
Quarters > 3 > income Statement > cost Of Revenue
14520000
Quarters > 3 > income Statement > gross Profit
41437000
Quarters > 3 > income Statement > operating Expenses
14317000
Quarters > 3 > income Statement > operating Income
11145000
Quarters > 3 > income Statement > interest Expense
4855000
Quarters > 3 > income Statement > pretax Income
6461000
Quarters > 3 > income Statement > net Income
3978000
Quarters > 3 > income Statement > eps
0.18435443507275928
Quarters > 3 > income Statement > dividends Per Share
-2589000
Quarters > 3 > income Statement > shares Outstanding
21578000
Quarters > 3 > income Statement > income Tax Expense
1204000
Quarters > 3 > income Statement > EBITDA
51438000
Quarters > 3 > income Statement > operating Margin
19.917079185803384
Quarters > 3 > income Statement > total Other Income Expense Net
172000
Quarters > 3 > balance Sheet > cash
196707000
Quarters > 3 > balance Sheet > short Term Investments
12029000
Quarters > 3 > balance Sheet > receivables
9893000
Quarters > 3 > balance Sheet > inventories
406140000
Quarters > 3 > balance Sheet > total Current Assets
629180000
Quarters > 3 > balance Sheet > property Plant Equipment
8160000
Quarters > 3 > balance Sheet > total Assets
826512000
Quarters > 3 > balance Sheet > payables
6703000
Quarters > 3 > balance Sheet > short Term Debt
1916000
Quarters > 3 > balance Sheet > long Term Debt
-
Quarters > 3 > balance Sheet > total Liabilities
645011000
Quarters > 3 > balance Sheet > equity
181501000
Quarters > 3 > cash Flow > net Income
5258000
Quarters > 3 > cash Flow > depreciation
3756000
Quarters > 3 > cash Flow > change In Working Capital
-27360000
Quarters > 3 > cash Flow > cash From Operations
7001000
Quarters > 3 > cash Flow > capital Expenditures
2234000
Quarters > 3 > cash Flow > cash From Investing
-17292000
Quarters > 3 > cash Flow > cash From Financing
-19688000
Quarters > 3 > cash Flow > net Change In Cash
-30464000
Quarters > 3 > ratios > PE
0.18435443507275928
Quarters > 3 > ratios > PB
0.7834613583396235
Quarters > 3 > ratios > ROE
2.191723461578724
Quarters > 3 > ratios > ROA
0.4812997270457053
Quarters > 3 > ratios > FCF
4767000
Quarters > 3 > ratios > Piotroski FScore
4
Quarters > 3 > ratios > fcf Percent
0.08519041406794503
Quarters > 3 > health Score
41
Valuation > metrics > PE
0.07165627165627166
Valuation > metrics > PB
1.0171754663700154
Valuation > final Score
100
Valuation > verdict
49.6% Undervalued
Profitability > metrics > ROE
1.1060243025842889
Profitability > metrics > ROA
0.234635248840439
Profitability > metrics > Net Margin
0.0250363196125908
Profitability > final Score
7
Profitability > verdict
Weak
Risk > metrics > Debt Equity
5.84785926179474
Risk > metrics > Interest Coverage
4.01013986013986
Risk > final Score
22
Risk > verdict
High
Liquidity > metrics > Current Ratio
350.8630573248408
Liquidity > metrics > Quick Ratio
350.8630573248408
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
100
Prev Valuations > 1
90
Prev Valuations > 2
90
Prev Profitabilities > 0
13
Prev Profitabilities > 1
20
Prev Profitabilities > 2
17
Prev Risks > 0
7
Prev Risks > 1
15
Prev Risks > 2
15
Prev Liquidities > 0
100
Prev Liquidities > 1
100
Prev Liquidities > 2
100
Updated At
2026-01-20T22:58:27.212Z
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 offers saving and current accounts, and fixed-term deposits; and debit and credit cards. The company was incorporated in 2005 and is headquartered in Zug, Switzerland.
Stock Price
€0.00
decrease compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/AShowing 2 of 3
(Last Updated 2024-03-31)
Health Score
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very High
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 0.00% of the total shares of Multitude SE
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2024-03-31)
(Last Updated 2024-03-31)
Revenue
€ 0
Cost Of Revenue
€ 0
Gross Profit
€ 0
Operating Expenses
€ 0
Operating Income
€ 0
Interest Expense
€ 0
Pretax Income
€ 0
Net Income
€ 0
Income Tax Expense
€ 0
EBITDA
€ 0
Total Other Income Expense Net
€ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2024-03-31)
Cash
€ 0
Short Term Investments
€ 0
Receivables
€ 0
Inventories
€ 0
Total Current Assets
€ 0
Property Plant Equipment
€ 0
Total Assets
€ 0
Payables
€ 0
Short Term Debt
€ 0
Long Term Debt
€ 0
Total Liabilities
€ 0
Equity
€ 0
(Last Updated 2024-03-31)
Net Income
€ 0
Depreciation
€ 0
Change In Working Capital
€ 0
Cash From Operations
€ 0
Capital Expenditures
€ 0
Cash From Investing
€ 0
Cash From Financing
€ 0
Net Change In Cash
€ 0
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