E4I Stock Overview
Provides digital lending and online banking services to consumers, and small and medium-sized businesses in Finland. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
My Notes
Capture your thoughts, links and company narrative
Multitude P.L.C. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €4.81 |
| 52 Week High | €6.58 |
| 52 Week Low | €4.00 |
| Beta | 1.46 |
| 1 Month Change | -0.82% |
| 3 Month Change | 2.34% |
| 1 Year Change | 20.25% |
| 3 Year Change | 24.61% |
| 5 Year Change | -48.56% |
| Change since IPO | -73.39% |
Recent News & Updates
Recent updates
Investors Still Aren't Entirely Convinced By Multitude P.L.C.'s (ETR:E4I) Earnings Despite 26% Price Jump
Oct 20
Multitude (ETR:FRU) Is Increasing Its Dividend To €0.19
Apr 26Multitude's (ETR:FRU) Upcoming Dividend Will Be Larger Than Last Year's
Apr 12A Piece Of The Puzzle Missing From Multitude SE's (ETR:FRU) 30% Share Price Climb
Apr 11Multitude's (ETR:FRU) Dividend Will Be Increased To €0.19
Mar 29Ferratum Oyj's (ETR:FRU) CEO Might Not Expect Shareholders To Be So Generous This Year
Apr 13Ferratum Oyj (ETR:FRU) Share Prices Have Dropped 78% In The Last Three Years
Mar 15Could The Ferratum Oyj (ETR:FRU) Ownership Structure Tell Us Something Useful?
Feb 08Would Shareholders Who Purchased Ferratum Oyj's (ETR:FRU) Stock Three Years Be Happy With The Share price Today?
Nov 22
Shareholder Returns
| E4I | DE Consumer Finance | DE Market | |
|---|---|---|---|
| 7D | -9.2% | -3.5% | -2.6% |
| 1Y | 20.3% | 10.3% | 6.9% |
Return vs Industry: E4I exceeded the German Consumer Finance industry which returned 10.3% over the past year.
Return vs Market: E4I exceeded the German Market which returned 6.9% over the past year.
Price Volatility
| E4I volatility | |
|---|---|
| E4I Average Weekly Movement | 8.4% |
| Consumer Finance Industry Average Movement | 4.5% |
| Market Average Movement | 4.8% |
| 10% most volatile stocks in DE Market | 11.3% |
| 10% least volatile stocks in DE Market | 2.4% |
Stable Share Price: E4I's share price has been volatile over the past 3 months compared to the German market.
Volatility Over Time: E4I's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of German stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2005 | 700 | Jorma Jokela | www.multitude.com |
Multitude P.L.C., together with its subsidiaries, provides digital lending and online banking services to consumers, and small and medium-sized businesses in Finland. Its loan portfolio consists of micro loans, Plus loans, Prime loans, instalment loans, secured loans, and revolving credit facilities; and working capital, credit line, and purchase financing. The company also offers saving and current accounts, and fixed-term deposits; and debit and credit cards.
Multitude P.L.C. Fundamentals Summary
| E4I fundamental statistics | |
|---|---|
| Market cap | €103.78m |
| Earnings (TTM) | €11.04m |
| Revenue (TTM) | €119.06m |
9.4x
P/E Ratio0.9x
P/S RatioIs E4I overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| E4I income statement (TTM) | |
|---|---|
| Revenue | €119.06m |
| Cost of Revenue | €4.85m |
| Gross Profit | €114.21m |
| Other Expenses | €103.17m |
| Earnings | €11.04m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
Apr 03, 2025
| Earnings per share (EPS) | 0.51 |
| Gross Margin | 95.92% |
| Net Profit Margin | 9.27% |
| Debt/Equity Ratio | 41.7% |
How did E4I perform over the long term?
See historical performance and comparisonDividends
4.0%
Current Dividend Yield37%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 01:45 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Multitude P.L.C. is covered by 10 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Scott Bardo | Berenberg |
| Simona Sarli | Berenberg |
| Cosmin Filker | GBC AG |