Multitude SE
FRU.DE
Deutsche Börse6.06
EUR
+0.12
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Multitude SE
FRU.DE
(Deutsche Börse)
Recent
price
6.06
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yld
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ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- Multitude SE (FRU.DE) is a listed European fintech company that provides digital lending and online banking services to consumers, small and medium-sized enterprises (SMEs), and other fintechs overlooked by traditional banks through its three independent business units: Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank), all powered by an internal Banking-as-a-Service growth platform featuring AI-driven credit scoring, compliance frameworks, and scalable technology. Ferratum offers instalment loans including Micro Loans (EUR 25-1,000, 7-60 days), Plus Loans (EUR 300-4,000, 2-18 months), and Prime Loans (up to EUR 15,000, 1-7 years), as well as revolving products such as Credit Limits (up to EUR 5,000) and Mastercard credit cards (up to EUR 8,000 with interest-free periods); CapitalBox delivers SME financing comprising Instalment Loans (up to EUR 350,000, 6-48 months), Invoice Purchasing (8-90 days, 1.4-6.5% discount), Credit Lines (EUR 2,000-150,000), Secured Loans (up to EUR 3 million), and Buy Now Pay Later (up to EUR 20,000); Multitude Bank provides secured debt financing against loan portfolios and payment solutions for banks, payment institutions, and electronic money institutions across six European countries. Founded in 2005 in Finland and listed on the Prime Standard segment of the Frankfurt Stock Exchange, the group employs over 700 people across 25 countries, serves active customers in 16 European markets including Finland, Sweden, Denmark, Germany, the Netherlands, and Eastern Europe, and owns the MFSA-licensed Multitude Bank p.l.c. as a key subsidiary. Recent developments include the integration of SweepBank technology into Ferratum and CapitalBox in 2024 to enable comprehensive digital banking services such as debit cards, current accounts, and credit cards; CapitalBox's acquisition of Danish invoice purchasing firm Omniveta in March 2024, rebranded under CapitalBox and expanding to other markets; the establishment of Wholesale Banking as an independent unit in January 2024 with rapid portfolio growth to EUR 103 million by mid-year; relocation of the registered office from Helsinki to Malta in July 2024 (ticker updated to E4I); a EUR 80 million four-year unsecured bond issuance in June 2024 to refinance prior debt at lower cost; increased stake in Lea Bank AB to 24.49% in Q1 2025; and strong H1 2024 financial performance with 17% revenue growth to EUR 128.8 million and 34.5% EBIT increase to EUR 28.3 million, on track for full-year EBIT of EUR 67.5 million.