Multitude SE is a fully regulated growth platform for financial technology. Its ambition is to become a valued financial ecosystem. It is a provider of digital financial services, building a financial ecosystem that transcends the hassle of physical banking and complicated financial transactions into a paperless, borderless, and real-time experience for customers.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	5.63
Equity-to-Asset	0.19
Debt-to-Equity	0.29
Debt-to-EBITDA	1.11
Interest Coverage	9.3
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.78	Distress Grey Safe
Beneish M-Score	-0.74	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.3
	3-Year EBITDA Growth Rate	33
	3-Year EPS without NRI Growth Rate	4.7
	3-Year FCF Growth Rate	4.5
	3-Year Book Growth Rate	12.2
	Future 3-5Y Total Revenue Growth Rate	4.52

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	53.55
	9-Day RSI	54.69
	14-Day RSI	56.36
	6-1 Month Momentum %	80.56
	12-1 Month Momentum %	34.72

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.38
	Quick Ratio	1.38
	Cash Ratio	0.59
	Days Payable	63.78

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Forward Dividend Yield %	3.52
	3-Year Average Share Buyback Ratio	-0.1
	Shareholder Yield %	44.31

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	82.45
	Operating Margin %	54
	Net Margin %	7.26
	FCF Margin %	64.91
	ROE %	9
	ROA %	1.94
	ROIC %	14.55
	ROC (Joel Greenblatt) %	410.17
	ROCE %	8.18
	Years of Profitability over Past 10-Year	9

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.63
	Forward PE Ratio	6.8
	PE Ratio without NRI	1.37
	Shiller PE Ratio	9.63
	Price-to-Owner-Earnings	3.08
	PEG Ratio	0.16
	PS Ratio	0.52
	PB Ratio	0.64
	Price-to-Tangible-Book	0.76
	Price-to-Free-Cash-Flow	0.8
	Price-to-Operating-Cash-Flow	0.74
	EV-to-EBIT	-3.97
	EV-to-Forward-EBIT	0.11
	EV-to-EBITDA	-2.67
	EV-to-Revenue	-0.56
	EV-to-Forward-Revenue	0.13
	EV-to-FCF	-0.87
	Price-to-Projected-FCF	0.36
	Price-to-Peter-Lynch-Fair-Value	0.11
	Price-to-Graham-Number	0.22
	Earnings Yield (Greenblatt) %	-25.22
	FCF Yield %	125.41
	Forward Rate of Return (Yacktman) %	34.27

GF Value: €4.09

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