1. Switzerland Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Multitude AG

Multitude AG

5.58
EUR
-0.18
(-3.12%)
1.15EPS
4.34P/E
110.91MMarket Cap
Nov 12Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
- -
3.27
5.22
7.15
10.27
12.15
13.6
10.71
9.51
9.82
10.35
11.41
11.21
10.88
Basic EPS, GAAP
- -
0.26
0.51
0.6
0.93
0.89
1.07
0.02
-0.16
0.55
0.76
0.94
1.24
1.19
Free Cash Flow per Basic Share
- -
-0.5
-1.79
0.71
1.04
-2.62
0.42
5.93
-3.95
-2.1
6.8
-1.74
2.51
5.57
Dividend per Share
- -
0.03
0.05
0.1
0.12
0.18
0.18
- -
- -
- -
0.12
0.19
0.44
0.55
Book Value per Share
- -
0.99
3.6
4.07
4.88
4.82
5.8
6.02
8.02
8.34
8.5
8.99
9.71
11.36
Tangible Book Value per Share
- -
0.79
3.22
3.48
3.95
3.42
4.17
4.21
6.36
6.89
7.13
7.47
8.07
8.97
Basic Weighted Avg Shares
19
22
21
22
22
22
22
22
22
22
22
22
21
21
Sales/Revenue/Turnover
- -
71
111
154
222
262
293
231
205
212
224
247
240
233
Operating Margin (%)
- -
38.17
42.49
41.2
44.41
43.31
46.27
44.54
40.56
53.33
48.98
43.51
38.97
34.09
Depreciation Expense
- -
1
1
2
3
5
11
13
17
18
15
12
13
15
Net Income, GAAP
- -
6
11
13
20
19
23
- -
-4
12
16
20
27
26
Effective Tax Rate (%)
- -
13.95
12.01
12
13.7
13.7
16.41
19.57
50.85
13.37
13.44
12.95
13.45
13.66
Profit Margin (%)
- -
7.96
9.84
8.4
9.05
7.35
7.85
0.21
-1.71
5.56
7.35
8.2
11.09
10.98
Working Capital
- -
43
115
130
133
191
243
270
172
-169
195
168
-27
-101
LT Debt
- -
29
49
72
64
138
174
177
58
50
51
80
110
1
Total Equity
- -
21
78
88
105
104
125
130
173
180
184
194
208
243
Return on Invested Capital (%)
- -
- -
14.66
12.09
13.06
12.29
11.83
6.78
4.32
61.02
74.89
73.95
61.99
3.05
Return on Capital (%)
- -
- -
11.2
8.49
9.61
7.33
7.37
0.23
-1.09
7.34
7.18
8.1
9.23
8.25
Return on Common Equity (%)
- -
- -
22.06
15.66
20.77
18.41
20.08
0.38
-2.31
6.67
9.04
10.72
13.27
11.65

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
2
3
113
LT Borrowings
108
111
- -
LT Finance Leases
2
2
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
128
128
111

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
876
1,061
1,014
Cash, Cash Equivalents & STI
396
569
526
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
903
1,017
1,115
Payables & Accruals
- -
- -
- -
ST Debt
2
3
113
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.8%
10.44%
7.34%
Free Cash Flow
-27.16%
-201.44%
-243.22%
Net Income, GAAP
-117.46%
-233.11%
31.7%
Sales/Revenue/Turnover
9.68%
1.06%
-2.65%
Total Cash Common Dividend
- -
- -
128.89%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
60
61
61
95
247
2025
62
63
58
56
240
2026
58
61
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.22
0.25
0.35
0.94
2025
0.34
0.32
0.28
0.3
1.24
2026
0.2
0.41
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.19
- -
- -
0.19
2025
- -
0.44
- -
- -
0.44
2026
- -
0.55
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Antti Kumpulainen
Full Time Employees
786
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Grafenauweg 8 Zug ZG Switzerland 6300
IPO Date
Feb 6, 2015
Website
multitude.com
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Business
Multitude AG is a European fintech company that provides digital financial services and online banking solutions to individuals, small and medium-sized enterprises (SMEs), and financial counterparties through a multi-brand platform. The group operates primarily in consumer banking under the Ferratum brand, SME banking under CapitalBox, and wholesale banking via Multitude Bank, all delivered through an integrated Banking-as-a-Service platform. Multitude AG is headquartered in Zug, Switzerland, with founding in 2005 and a footprint spanning roughly two dozen countries across Europe, offering a range of lending, credit facilities, payment solutions, and BNPL-style financing products to underserved markets. The company consolidates its activity around three core product families: consumer credit products (micro loans, personal lines of credit, installment loans, credit limits); SME financing solutions (installment loans, credit lines, secured loans, purchase finance) and wholesale/deposit services (secured debt and payment solutions) supported by its BaaS infrastructure, aimed at enabling faster onboarding, digital underwriting, and scalable financing for customers and partners. Latest structural changes include relocation of its registered office to Switzerland in 2024, enhanced cross-border capabilities, and strategic focus on expanding its European digital lending and online banking footprint through continued partnerships and product line extensions. Multitude AG serves a diversified client base including individuals, small businesses, and financial partners, with geographic emphasis on Europe and related regulatory environments, leveraging its parent-subsidiary framework to manage operations, product governance, risk management, and compliance across jurisdictions. The company’s business model centers on scalable digital financial services, leveraging data-driven underwriting, API-based integration, and diversified funding sources to support growth in consumer, SME, and wholesale segments.its subsidiaries and brands operate in multiple countries, and the corporate structure includes parent and regional subsidiaries to support product delivery, regulatory compliance, and service localization across markets. Multitude AG’s primary value proposition is to democratize access to credit and financial services through digital channels, coupling innovative credit products with flexible payment and financing options for a broad range of customers and partners.