Multitude SE, together with its subsidiaries, provides mobile banking, and digital consumer and small business loans to retail and business clients. Its loan portfolio consists of microloans, PlusLoans, Primeloan, and revolving credit facilities; and working capital installment loans and purchase financing. The company also offers current accounts, and savings and term deposits; debit cards; and payments and transfers. It has operations in Northern Europe, Western Europe, Eastern Europe, and internationally. The company was formerly known as Ferratum Oyj and changed its name to Multitude SE in June 2021. Multitude SE was incorporated in 2005 and is headquartered in Helsinki, Finland.

Jorma Jokela

Multitude SE

Ferratum Global

CapitalBox

SweepBank

Multitude is a fully regulated growth platform for financial technology. Its ambition is to become the most valued financial ecosystem. This vision is backed by +16 years of solid track record in building and scaling financial technology. Through its full European banking license, profound know-how in technology, regulation, cross-selling, and funding, Multitude enables a range of sustainable banking and financial services to grow and scale. Currently, it has three independent business units on this growth platform: Ferratum as consumer lender, CapitalBox as business lender, and SweepBank as shopping and financing app. Multitude and its independent units employ over 700 people in 19 countries, and they together generated EUR 214 million turnover in 2021. Multitude was founded in 2005 in Finland and is listed in the Prime Standard segment of the Frankfurt Stock Exchange under the symbol ‘FRU.’ 

Metric
Company Name	Multitude SE
Symbol	FRU
MSH ID	COM:MULTITUDE
Market	STOCKS
Sector	Financial Services
Industry	Financial - Credit Services
Country	FI
Stage
Employee Count	750
Website	multitude.com
LinkedIn	multitudegroup
Founders

Metric
Market Cap	138.39M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	463.37M
Revenue (LTM)
Revenue (NTM)
Gross Profit	463.37M
EBITDA	285.39M
Operating Income	268.07M
Net Income	17.32M
EPS	0.79
Diluted EPS	0.79
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.90
Operating Profit Margin	0.30
EBITDA Margin	0.62
Net Profit Margin	0.07
Return on Equity	0.09
Return on Assets	0.02
Return on Capital Employed	0.32

COM:MULTITUDE

Multitude

Last Close

5.94

28/06 15:35

Market Cap

131.01M

Beta: -

Volume Today

17.18K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	5.09
P/B Ratio	0.51
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.57
EV Multiple	2.17

Metric
Days Sales Outstanding
Days Payables Outstanding	64.65
Days Inventory Outstanding	3.40K
Operating Cycle	3.40K
Cash Conversion Cycle	3.32K
Asset Turnover	0.54

Metric
Operating Cash Flow	147.27M
Free Cash Flow	135.84M
Cash Flow to Debt	0.92
Operating Cash Flow/Sales	0.19
Free Cash Flow Yield	0.39

Metric
Cash & Equivalents	299.67M
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization	0.41
Debt to Assets	0.06
Current Ratio	1.58
Quick Ratio	128.00

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue	0.06