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Multitude (MULT) Stock Price & Analysis
MULT Stock Chart & Stats
- Day’s Range
- EUR 5.46 - EUR 5.58
- 52-Week Range
- EUR 4.87 - EUR 7.16
- Previous Close
- EUR 5.48
- Volume
- N/A
- Average Volume (3M)
- 8,409
- Market Cap
- EUR 118.25M
- Enterprise Value
- -EUR 207.85M
- Total Cash (Recent Filing)
- EUR 525.69M
- Total Debt (Recent Filing)
- EUR 202.23M
- Price to Earnings (P/E)
- 5.6
- Beta
- 0.50
- Next Earnings
- Nov 12, 2026 (Est.)
- EPS Estimate
- 0.29
- Last Dividend Ex-Date
- Apr 27, 2026
- Dividend Yield
- 17.95%
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation
Recent operating and free cash flow provide internally generated funding for loan growth, operating needs, and capital allocation. Because free cash flow is roughly in line with earnings, reported profitability is converting into cash rather than relying solely on accounting results.
Solid Profitability
Maintaining a roughly 10% net margin and low-20s EBITDA margin indicates that the lending platform continues to produce meaningful earnings despite top-line pressure. Consistent margins can support resilience and preserve funding capacity over the next several quarters.
Digital Lending Across Consumer And SME Markets
The company addresses both consumer and SME financing needs through digital and app-based distribution, giving it exposure to multiple lending customer groups. This model can support scalable servicing and convenient access as customers increasingly use online financial products.
Bears Say
Declining Revenue
A significant TTM revenue contraction indicates that loan-related income and business activity are not currently expanding at the pace needed for durable top-line growth. If sustained, weaker revenue can limit operating leverage and make future earnings growth more dependent on margin performance.
Rising Leverage
The rising debt-to-equity ratio reduces balance-sheet flexibility and increases the company’s sensitivity to funding conditions. For a credit-services business that finances loan portfolios, higher leverage can constrain capital allocation and make downturns or funding pressure more consequential.
Volatile Historical Cash Flow
Although the latest two periods show robust cash production, earlier negative operating and free cash flow demonstrate that cash conversion has not been consistently stable across the cycle. This history makes recent strength less certain as a permanent funding characteristic.
Multitude News
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Multitude Stock Smart Score
Company Description
Multitude
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.
- Sector
- General
- Industry
- Financial - Credit Services
- CEO
- Antti Kumpulainen
- Employees
- 750
- Website
- www.multitude.com
- Address
- Grafenauweg 8, Zug, ZG, 6300, CH
Multitude (MULT) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 2 | 14 |
| Technical Analysis | 6 | 2 | 2 |
| Moving Averages | 0 | 0 | 12 |



