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Multitude MULT.DE · EUR

Financials · XETRA · 🇩🇪 Germany

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5.50

+0.36%

Close of 9 Nov 2026, in EUR

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About Multitude

Its shares trade on XETRA under the ticker MULT.DE. It has been listed since 6 February 2015. In the fiscal year to 31 December 2025, it reported revenue before interest expense of €255.4m and net income of €26.6m. At that date it held total assets of €1.39bn and shareholders' equity of €163.0m.

Ferratum Oyj 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. The company went IPO on 2015-02-06. Its offering includes unsecured microloans available via mobile devices and online, with amounts ranging from 25 to 1,000 euro and maturity periods between seven and 90 days; as well as PLUS Loans, offered in larger amounts and with longer maturity periods. Additionally, the Company develops FerBuy, a secure e-commerce payment solution for online merchants and consumers. The firm operates as a parent entity of the Ferratum Group, comprising around 40 subsidiaries. The company reports two geographical segments: West, including Australia, New Zealand, the United Kingdom, Spain, Germany, and the Netherlands, Belgium, Sweden, Denmark, Norway and Finland; and East, including Estonia, Lithuania, Latvia, Poland, the Czech Republic, Slovakia, Croatia, Bulgaria, Romania and Russia.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Consumer Finance
Listed since
6 Feb 2015
Employees
771

Leadership

Pay as last reported

  • Mr. Frederik StrangeNon-Executive Independent Chairman of the Board, since 2021€48,000
  • Mr. Jorma JokelaChief Executive Officer, Vice Chairman of the Board, since 2005€256,000
  • Mr. Ari TiukkanenDeputy Chief Executive Officer, Member of the Management Board, since 2021
  • Mr. Bernd EggerChief Financial Officer, Member of the Management Board
  • Mr. Shaun VellaChief Human Resource Officer, Member of the Management Board
  • Mr. Kornel KabeleChief Technology Officer, Member of the Management Board
  • Ms. Lea LiigusChief Legal and Compliance Officer, Executive Director, Member of the Management Board, since 2021€66,000
  • Dr. Clemens KrauseChief Risk Officer, Member of the Management Board, since 2012€48,000
  • Ms. Julie ChatterjeeTribe Chief Executive Officer - SweepBank, Member of the Management Board
  • Mr. Adam Hansson - ToenningChief Financial Planning Analyst, Member of the Management Board, since 2021
  • Mr. Kristjan KajakasTribe Chief Executive Officer - Ferratum, Member of the Management Board
  • Mr. Antti KumpulainenChief Executive Officer - Multitude Bank, Member of the Management Board, since 2022

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
52
Environment
59
Social
60
Governance
35
Energy emissions (scope 2)
164.2 t
Value chain emissions (scope 3)
90,739.8 t
Women in the workforce
49%
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Company has 771 employees and operates in multiple European countries.
  • Offers digital loans via mobile devices with flexible terms ranging from 25 to 1,000 euro.
  • Develops FerBuy, a secure e-commerce payment solution for merchants and consumers.

Weaknesses

  • Website provided is for Ferratum Group, not Multitude AG.
  • IPO date is 2015-02-06, indicating a relatively long market presence.
  • No specific financial data or performance metrics provided.

Opportunities

  • Expanding into new markets within the West and East geographical segments.
  • Growing demand for digital financial services and mobile loan solutions.
  • Potential for increasing FerBuy adoption among online merchants.

Threats

  • Reliance on mobile device distribution for loan services may face technological disruptions.
  • Competition in the digital loan market could intensify.
  • Geopolitical risks in Eastern European markets like Russia and Poland.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
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