0R4W logo

Multitude
0R4W

Last Price

Financial Snapshot

gainify

Market Data

Market Cap
€125.88M
EV
-
Shares Outstanding
21.52M
Beta
0.80
Industry
Financial - Diversified

Wall Street View

Analyst Rating
-
Analyst Target Price
-
Number of Analysts
0
P/E 2025E
5.43x
P/B 2025E
0.60x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2025E
32.77%
Net Profit Margin 2025E
10.22%
ROE 2025E
11.85%
ROA 2025E
2.00%

Dividends

DPS 2025E
-
Payout Ratio 2025E
-
Div. Yield 2025E
-
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

gainify

About Multitude AG

gainify
0R4W logo

Multitude AG

0R4W

Multitude AG, together with its subsidiaries, provides digital lending and online banking services in Finland. Its loan portfolio consists of micro loans, Plus loans, Prime loans, instalment loans, secured loans, and revolving credit facilities; and working capital, c...

Sector

Financial Services

Industry

Financial - Diversified

CEO

Kumpulainen, Antti

Employees

700

IPO Date

2015-05-13

Headquarters

Grafenauweg 8, Zug, Zug, 6300, Switzerland

📊 Stock Price & Performance

The last closing price of Multitude (0R4W) is €0.06, reflecting a -1.68% change from the prior session. Last updated: December 31, 2025 at 7:30 AM Eastern Time

Review the recent 0R4W stock performance trends:Past 1 Month: Multitude (0R4W) shares have -4.26%.Past 3 Months: The stock has -17.95%.Past 6 Months: 0R4W shares have -20.73%. Last updated: December 31, 2025 at 11:48 PM Eastern Time

Over the last year, Multitude (0R4W) has established a 52-week price range between a high of €0.06 and a low of €0.03. This metric is essential for assessing the stock's annual volatility. Last updated: December 31, 2025 at 11:48 PM Eastern Time

Multitude (0R4W) is considered a medium volatility stock. It has a beta of 0.80, which means it typically moves 0.80 times as much as the broader market. Over the past 52 weeks, 0R4W has traded within a €0.03 – €0.06 range. Last updated: December 31, 2025 at 11:48 PM Eastern Time

A €1,000 investment in Multitude 5 years ago, when the stock was trading around €0.05, would be worth approximately €1095.45 today, based solely on share price performance (excluding dividends). This represents a total return of 9.54% over the period, equivalent to a compound annual growth rate (CAGR) of 1.84%. Past performance reflects historical price movements only and does not imply future results. Last updated: December 31, 2025 at 11:48 PM Eastern Time

💰 Financial Metrics & Reports

The current Multitude (0R4W) market capitalization is approximately €125.88M, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, Multitude's market cap fluctuates with changes in its share price and share count. Last updated: December 31, 2025 at 11:48 PM Eastern Time

In the most recently reported quarter, Multitude (0R4W) generated €52.25M in revenue, representing a +62.97% year over year change. For the next quarter, analyst consensus currently expects revenue of approximately €51.80M, implying an expected -10.08% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: January 1, 2026 at 2:42 AM Eastern Time

In the most recently reported fiscal year, Multitude (0R4W) generated net income of €20.20M, compared with €1.05M in the prior fiscal year, representing a +1820.15% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of €24.17M. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: January 1, 2026 at 2:42 AM Eastern Time

As of the most recent reporting period, the company's debt-to-equity ratio stands at 0.55x, calculated as total debt divided by total shareholders' equity. A lower debt-to-equity ratio generally indicates a more conservative capital structure with less reliance on external borrowing, while a higher ratio suggests greater financial leverage and potentially higher sensitivity to interest rates, refinancing conditions, and earnings volatility. The debt-to-equity ratio should be interpreted in the context of the company's industry, business model, cash flow stability, and balance sheet composition. Last updated: January 1, 2026 at 2:42 AM Eastern Time

Based on the latest available data, Multitude (0R4W) is currently trading at a last twelve months (LTM) P/E ratio of 0.06x. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: January 1, 2026 at 2:42 AM Eastern Time

📅 Earnings & Dividends

In the most recently reported quarter, Multitude (0R4W) revenue was €52.25M, compared with analyst consensus expectations of €55.35M, representing a -5.60% revenue surprise versus expectations. Earnings per share (EPS) for the quarter were €0.24. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: 👉 Estimates vs. Actuals Last updated: January 1, 2026 at 2:42 AM Eastern Time

📈 Analyst Information

Based on the latest available analyst coverage, Multitude (0R4W) currently carries a not available consensus rating. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: January 1, 2026 at 2:42 AM Eastern Time

Like other publicly traded stocks, Multitude (0R4W) shares are bought and sold on stock exchanges such as LSE and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for Multitude (0R4W) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ℹ️ Company Information

At the top right of this page, you'll see a star icon labeled Add to watchlist. Click it to add 0R4W to your watchlist.

Multitude trades under the ticker symbol 0R4W on the LSE stock exchange. The ticker 0R4W is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, Multitude (0R4W) employs approximately 700 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: December 31, 2025 at 11:48 PM Eastern Time

Multitude (0R4W) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest Multitude (0R4W) stock peers based on overlapping products, services, and competitive dynamics:AEON Credit Service (Asia) (900)ASA International Group (ASAI)Hong Leong Finance (S41)Ramsdens Holdings (RFX)Eleving Group (OT8)Humm Group (HUM) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to Multitude.

gainifypowered-by-sp
Socials
Send us an emailFollow us on XConnect with us on LinkedInFollow us on InstagramFollow us on ThreadsCheck us out on TrustpilotFollow us on YouTubeFind us on Google Maps

Market data is sourced from S&P Global Market Intelligence. All insights and analysis are developed by Gainify. Copyright © 2026, S&P Global Market Intelligence. All rights reserved.

View Data Providers

NEWSLETTER

Gainify provides tools and content designed to help users explore and understand the world of investing. All information available through our platform is for educational and informational use only. It is not intended as financial, investment or legal advice, and should not be treated as a recommendation or endorsement of any investment approach.
Our content is general in nature and does not account for your personal financial circumstances. Any investment decisions you make are your responsibility. We strongly recommend speaking with a licensed financial advisor or professional before acting on any information found on Gainify. Before using Gainify, please review our Terms of Service.

© 2026 Gainify. All rights reserved.