Multitude (BATS-CHIXE:FRUd) - Stock Price, News & Analysis

FRUd Stock Overview

Multitude SE, together with its subsidiaries, provides digital lending and online banking services to consumers, and small and medium-sized businesses in Finland.

About the company

FRUd fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	1/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 66.8% below our estimate of its fair value

Earnings are forecast to grow 16.58% per year

Became profitable this year

Risk Analysis

High level of non-cash earnings

Shares are highly illiquid

Does not have a meaningful market cap (€89M)

Dividend of 2.91% is not well covered by cash flows

Multitude SE Competitors

Ramsdens Holdings

AIM:RFX

UK£59.5m

ASA International Group

LSE:ASAI

UK£62.3m

S&U

LSE:SUS

UK£232.1m

H&T Group

AIM:HAT

UK£184.5m

Price History & Performance

Summary of all time highs, changes and price drops for Multitude
Historical stock prices
Current Share Price	€3.53
52 Week High	€3.56
52 Week Low	€3.53
Beta	1.61
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-32.12%
5 Year Change	-86.93%
Change since IPO	-80.38%

Recent updates

Shareholder Returns

	FRUd	GB Consumer Finance	GB Market
7D	0%	9.5%	2.8%
1Y	n/a	-31.0%	1.1%

Return vs Industry: Insufficient data to determine how FRUd performed against the UK Consumer Finance industry.

Return vs Market: Insufficient data to determine how FRUd performed against the UK Market.

Price Volatility

Is FRUd's price volatile compared to industry and market?
FRUd volatility
FRUd Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	8.5%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	11.3%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: FRUd has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine FRUd's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	683	Jorma Jokela	www.multitude.com

Multitude SE, together with its subsidiaries, provides mobile banking, and digital consumer and small business loans to retail and business units. Its loan portfolio consists of micro loans, Plus Loans, Prime loans, and revolving credit facilities; and working capital installment loans, credit line, and purchase financing. The company also offers current accounts and term deposits; and debit and credit card.

Multitude SE Fundamentals Summary

How do Multitude's earnings and revenue compare to its market cap?
FRUd fundamental statistics
Market cap	€88.90m
Earnings (TTM)	€8.33m
Revenue (TTM)	€119.79m

10.7x

P/E Ratio

0.7x

P/S Ratio

Is FRUd overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FRUd income statement (TTM)
Revenue	€119.79m
Cost of Revenue	€19.29m
Gross Profit	€100.50m
Other Expenses	€92.18m
Earnings	€8.33m

Last Reported Earnings

Dec 31, 2022

Next Earnings Date

May 11, 2023

Earnings per share (EPS)	0.39
Gross Margin	83.90%
Net Profit Margin	6.95%
Debt/Equity Ratio	26.0%

How did FRUd perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

31%

Payout Ratio

Does FRUd pay a reliable dividends?

See FRUd dividend history and benchmarks

When do you need to buy FRUd by to receive an upcoming dividend?
Multitude dividend dates
Ex Dividend Date	Apr 28 2023
Dividend Pay Date	May 09 2023
Days until Ex dividend	366 days
Days until Dividend pay date	355 days