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Multitude AG, formerly Multitude SE is a European FinTech company that offers digital financial and banking services to both individuals and small and medium-sized businesses. The company's operations are divided into three business units: consumer banking (Ferratum), SME banking (CapitalBox) and wholesale banking (Multitude Bank). These units are supported by an internal Banking-as-a-Service platform. The company operates in nearly 16 different countries.
2005
714
LTM Revenue $280M
LTM EBITDA $81.0M
-$35.7M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Multitude has a last 12-month revenue (LTM) of $280M and a last 12-month EBITDA of $81.0M.
In the most recent fiscal year, Multitude achieved revenue of $278M and an EBITDA of $74.1M.
Multitude expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Multitude valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $280M | XXX | $278M | XXX | XXX | XXX |
| Gross Profit | $174M | XXX | $231M | XXX | XXX | XXX |
| Gross Margin | 62% | XXX | 83% | XXX | XXX | XXX |
| EBITDA | $81.0M | XXX | $74.1M | XXX | XXX | XXX |
| EBITDA Margin | 29% | XXX | 27% | XXX | XXX | XXX |
| EBIT | $67.4M | XXX | $156M | XXX | XXX | XXX |
| EBIT Margin | 24% | XXX | 56% | XXX | XXX | XXX |
| Net Profit | $19.4M | XXX | $22.7M | XXX | XXX | XXX |
| Net Margin | 7% | XXX | 8% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | n/a | XXX | XXX | XXX |
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As of June 3, 2025, Multitude's stock price is EUR 7 (or $8).
Multitude has current market cap of EUR 153M (or $172M), and EV of -EUR 31.8M (or -$35.7M).
See Multitude trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| -$35.7M | $172M | XXX | XXX | XXX | XXX | $0.96 |
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Start Free TrialAs of June 3, 2025, Multitude has market cap of $172M and EV of -$35.7M.
Multitude's trades at -0.1x EV/Revenue multiple, and -0.5x EV/EBITDA.
Equity research analysts estimate Multitude's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Multitude has a P/E ratio of 8.9x.
See valuation multiples for Multitude and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $172M | XXX | $172M | XXX | XXX | XXX |
| EV (current) | -$35.7M | XXX | -$35.7M | XXX | XXX | XXX |
| EV/Revenue | -0.1x | XXX | -0.1x | XXX | XXX | XXX |
| EV/EBITDA | -0.4x | XXX | -0.5x | XXX | XXX | XXX |
| EV/EBIT | -0.5x | XXX | -0.2x | XXX | XXX | XXX |
| EV/Gross Profit | -0.2x | XXX | n/a | XXX | XXX | XXX |
| P/E | 8.9x | XXX | 7.6x | XXX | XXX | XXX |
| EV/FCF | 1.6x | XXX | 0.8x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialMultitude's last 12 month revenue growth is 7%
Multitude's revenue per employee in the last FY averaged $0.4M, while opex per employee averaged $0.1M for the same period.
Multitude's rule of 40 is 28% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Multitude's rule of X is 46% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Multitude and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 7% | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | 29% | XXX | 27% | XXX | XXX | XXX |
| EBITDA Growth | 12% | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | 28% | XXX | 34% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 46% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.4M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 5% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 27% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Multitude acquired XXX companies to date.
Last acquisition by Multitude was XXXXXXXX, XXXXX XXXXX XXXXXX . Multitude acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Multitude founded? | Multitude was founded in 2005. |
| Where is Multitude headquartered? | Multitude is headquartered in Germany. |
| How many employees does Multitude have? | As of today, Multitude has 714 employees. |
| Who is the CEO of Multitude? | Multitude's CEO is Mr. Jorma Jokela. |
| Is Multitude publicy listed? | Yes, Multitude is a public company listed on ETR. |
| What is the stock symbol of Multitude? | Multitude trades under MULT ticker. |
| When did Multitude go public? | Multitude went public in 2015. |
| Who are competitors of Multitude? | Similar companies to Multitude include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of Multitude? | Multitude's current market cap is $172M |
| What is the current revenue of Multitude? | Multitude's last 12 months revenue is $280M. |
| What is the current revenue growth of Multitude? | Multitude revenue growth (NTM/LTM) is 7%. |
| What is the current EV/Revenue multiple of Multitude? | Current revenue multiple of Multitude is -0.1x. |
| Is Multitude profitable? | Yes, Multitude is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Multitude? | Multitude's last 12 months EBITDA is $81.0M. |
| What is Multitude's EBITDA margin? | Multitude's last 12 months EBITDA margin is 29%. |
| What is the current EV/EBITDA multiple of Multitude? | Current EBITDA multiple of Multitude is -0.4x. |
| What is the current FCF of Multitude? | Multitude's last 12 months FCF is -$22.4M. |
| What is Multitude's FCF margin? | Multitude's last 12 months FCF margin is -8%. |
| What is the current EV/FCF multiple of Multitude? | Current FCF multiple of Multitude is 1.6x. |
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