Multitude (0R4W) AI Stock Analysis

Multitude

(LSE:0R4W)

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Positive Factors

Strong cash generationRecent 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.

Negative Factors

Declining revenueA 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.

Multitude (0R4W) vs. iShares MSCI United Kingdom ETF (EWC)

Market Cap: EUR 116.91M
Dividend Yield: 18.13%
Average Volume (3M): 474
Price to Earnings (P/E): 5.6
Beta (1Y): 0.34
Revenue Growth: -6.55%
EPS Growth: -4.83%
Country: UK
Employees: 750
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

Multitude Business Overview & Revenue Model

Company Description

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 in...

Multitude Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

GB:0R4W against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DE:HYQ	63Neutral	EUR 544.72M	19.00	7.55%	―	-4.72%	65.65%
DE:PCZ	60Neutral	EUR 510.06M	6.76	6.97%	5.43%	5.93%	-20.09%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
DE:GLJ	41Neutral	EUR 468.68M	6.18	5.80%	4.17%	13.67%	30.29%

* General Sector Average

Performance Comparison

GB:0R4W and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GB:0R4W	Multitude Se	5.46	-0.86	-13.58%
DE:GLJ	GRENKE AG	10.08	-4.23	-29.56%
DE:HYQ	HYPOPORT AG	81.50	-45.10	-35.62%
DE:PCZ	ProCredit Holding	8.66	1.61	22.77%
DE:VG80	Varengold Bank AG	2.44	-0.10	-3.94%
DE:MBK	MERKUR PRIVATBANK KGaA	11.70	-8.00	-40.61%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Multitude AI Stock Analysis