First Time Loading...

Multitude SE
XETRA:FRU

Watchlist Manager
Multitude SE Logo
Multitude SE
XETRA:FRU
Watchlist
Price: 5.15 EUR -0.96% Market Closed
Updated: Mar 28, 2024

Intrinsic Value

Multitude SE engages in the provision of digital consumer and small business loans, distributed and managed by mobile devices. [ Read More ]

The intrinsic value of one FRU stock under the Base Case scenario is 33.45 EUR. Compared to the current market price of 5.15 EUR, Multitude SE is Undervalued by 85%.

Key Points:
FRU Intrinsic Value
Base Case
33.45 EUR
Undervaluation 85%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Multitude SE

Backtest FRU Intrinsic Value
Dive into the past to invest in the future

Run backtest to discover the historical profit from buying and selling FRU stocks based on their intrinsic value.

Analyze the historical link between intrinsic value and market price to make more informed investment decisions.

Run Backtest
Settings
Valuation Methods
Buy/Sell Thresholds
Buy When:
%
Sell When:
%
B
S
Run Backtest
How does it work?

Fundamental Analysis

Multitude's Strong Growth with Positive Outlook
2023-Q4 Earnings Call

Multitude's Strong Growth with Positive Outlook

In the latest earnings call, Multitude reported an 8.5% rise in revenue and a notable 39.6% surge in net profit, with earnings per share up by 34.2%. The company's cash position remains robust, aligning with their strong ESG-driven fintech platform that focuses on democratizing digital financial services. A dividend of EUR 0.19 per share was announced, respecting their payout ratio target. EBIT growth was consistent, propelling the 2024 EBIT guidance to EUR 67.5 million, indicative of approximately 50% anticipated growth from the previous year. Individual business units indicated positive trends: Ferratum with a 4.3% revenue increase and 10% EBIT growth, and CapitalBox showing a 15.4% revenue jump with EBIT growth of EUR 2.7 million, both focused on integrating SweepBank services and expanding via organic growth, partnerships, and acquisitions.

Financials

Balance Sheet Decomposition
Multitude SE

Current Assets 619.7m
Cash & Short-Term Investments 178.6m
Receivables 439m
Other Current Assets 2.1m
Non-Current Assets 199.8m
Long-Term Investments 1.1m
PP&E 8.2m
Intangibles 29.7m
Other Non-Current Assets 160.9m
Current Liabilities 391m
Accounts Payable 10.6m
Short-Term Debt 355.5m
Other Current Liabilities 24.9m
Non-Current Liabilities 244.2m
Long-Term Debt 50.5m
Other Non-Current Liabilities 193.7m
Efficiency

Earnings Waterfall
Multitude SE

Revenue
326.8m EUR
Operating Expenses
-265m EUR
Operating Income
61.7m EUR
Other Expenses
-44.9m EUR
Net Income
16.8m EUR

Free Cash Flow Analysis
Multitude SE

Last Value
3-Years Average
FCF Margin
Conversion Rate
History
Components
Chart
Table
What is Free Cash Flow?
Fundamental Scores

FRU Profitability Score
Profitability Due Diligence

Multitude SE's profitability score is 45/100. The higher the profitability score, the more profitable the company is.

ROE is Increasing
Positive 3-Years Revenue Growth
Exceptional 1-Year Revenue Growth
Positive Operating Income
45/100
Profitability
Score

Multitude SE's profitability score is 45/100. The higher the profitability score, the more profitable the company is.

FRU Solvency Score
Solvency Due Diligence

Multitude SE's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
High D/E
37/100
Solvency
Score

Multitude SE's solvency score is 37/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

FRU Price Targets Summary
Multitude SE

Wall Street analysts forecast FRU stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for FRU is 10 EUR with a low forecast of 7.07 EUR and a high forecast of 13.23 EUR.

Lowest
Price Target
7.07 EUR
37% Upside
Average
Price Target
10 EUR
94% Upside
Highest
Price Target
13.23 EUR
157% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Shareholder Return

FRU Price
Multitude SE

1M 1M
+14%
6M 6M
+51%
1Y 1Y
+29%
3Y 3Y
-16%
5Y 5Y
-56%
10Y 10Y
-71%
Annual Price Range
5.15
52w Low
2.6
52w High
5.2
Price Metrics
Average Annual Return -26.44%
Standard Deviation of Annual Returns 13.76%
Max Drawdown -84%
Shares Statistics
Market Capitalization 111.1m EUR
Shares Outstanding 21 577 800
Percentage of Shares Shorted
N/A

FRU Return Decomposition
Main factors of price return

What is price return decomposition?

Company Profile

Multitude SE Logo
Multitude SE

Country

Finland

Industry

Financial Services

Market Cap

111.1m EUR

Dividend Yield

3.65%

Description

Multitude SE engages in the provision of digital consumer and small business loans, distributed and managed by mobile devices. The company is headquartered in Helsinki, Etela-Suomen and currently employs 664 full-time employees. The company went IPO on 2015-02-06. The firm offers mobile banking and digital consumer and small business loans, distributed and managed by mobile devices. The firm operates worldwide.

Contact

ETELA-SUOMEN
Helsinki
Ratamestarinkatu 11 A
+358942452356.0
https://www.multitude.com/

IPO

2015-02-06

Employees

664

Officers

Founder, Vice Chairman of the Board of Directors & CEO
Mr. Jorma Olavi Jokela
Chief Legal & Compliance Officer and Director
Ms. Lea Liigus L.L.M.
Chief Financial Officer
Magistrate Bernd Egger M.B.A., M.Sc., MBA MSc
Chief Technology Officer
Mr. Kornel Kabele
Head of External Communications, M&A and Chief Strategy & IR Officer
Mr. Lasse Makela
Chief HR Officer
Mr. Shaun Vella
Show More
Group Chief Risk Officer
Dr. Clemens-Matthias Fritz Krause Ph.D.
Chief Financial Planning Analyst
Mr. Adam Hansson-Tönning B.Sc.
Tribe Chief Executive Officer of Ferratum
Mr. Kristjan Kajakas B.A.
Chief Executive Officer of Multitude Bank
Mr. Antti Kumpulainen B.Sc.
Show Less

See Also

Discover More
What is the Intrinsic Value of one FRU stock?

The intrinsic value of one FRU stock under the Base Case scenario is 33.45 EUR.

Is FRU stock undervalued or overvalued?

Compared to the current market price of 5.15 EUR, Multitude SE is Undervalued by 85%.