Multitude SE
XETRA:FRU
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%.
Valuation Backtest
Multitude SE
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Fundamental Analysis
Multitude's Strong Growth with Positive Outlook
2023-Q4 Earnings Call
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.
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 |
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
What is Free Cash Flow?
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.
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.
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
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.
Shareholder Return
FRU Price
Multitude SE
Average Annual Return | -26.44% |
Standard Deviation of Annual Returns | 13.76% |
Max Drawdown | -84% |
Market Capitalization | 111.1m EUR |
Shares Outstanding | 21 577 800 |
Percentage of Shares Shorted |
N/A
|
Company Profile
Country
Industry
Market Cap
Dividend Yield
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
IPO
Employees
Officers
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%.