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Multitude AGFRA:MULT -0.38%74 Cash Ratio is 0.56 as of Mar. 2026, which is 10% above its 10-year median of 0.51. GuruFocus rates FRA:MULT with a GF Score™ of 74/100 and a GF Value™ of €5.12 (Fairly Valued). The stock has 6 warning signs investors should review. Among 44 Banks companies, Multitude AG ranks worse than 52.27% on this metric.
Multitude AG has a Cash Ratio of 0.56. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Multitude AG's Cash Ratio or its related term are showing as below:
FRA:MULT'
s Cash Ratio Range Over the Past 10 Years
Min: 0.31 Med: 0.51 Max: 0.86
Current: 0.56
During the past 12 years, Multitude AG's highest Cash Ratio was 0.86. The lowest was 0.31. And the median was 0.51.
FRA:MULT's Cash Ratio is ranked worse than 52.27% of 44
companies
in the Banks industry
Industry Median: 0.62
vs FRA:MULT: 0.56
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Multitude AG Cash Ratio Related Terms
Multitude AG Cash Ratio Historical Data
* Premium members only.
The historical data trend for Multitude AG's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Multitude AG's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Multitude AG Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Multitude AG's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Multitude AG's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Multitude AG (FRA:MULT) has a Cash Ratio of 0.56 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Multitude AG and its competitors. This is 10% above median its historical median of 0.51. Over the past decade, Multitude AG's Cash Ratio has ranged from 0.31 to 0.86. According to the industry distribution chart, Multitude AG ranks #23 out of 44 companies in the Banks industry, placing it in the top 52.3%.
Is Multitude AG's Cash Ratio too high?
Multitude AG's current Cash Ratio of 0.56 is 10% above median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.86. The Banks industry median Cash Ratio is 0.62. Multitude AG's value of 0.56 is 9.7% below this industry median. Based on the distribution chart, Multitude AG ranks #23 out of 44 companies in the Banks industry, which is below the industry midpoint. Overall, Multitude AG has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Multitude AG's Cash Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Multitude AG ranks #23 out of 44 companies for Cash Ratio. This places Multitude AG in the lower half of its industry. The industry median Cash Ratio is 0.62. Multitude AG's value of 0.56 is 9.7% below this benchmark. Historically, Multitude AG's own Cash Ratio has ranged from 0.31 to 0.86 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 0.62, Multitude AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.62, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Multitude AG's current Cash Ratio of 0.56 is 9.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Multitude AG and its competitors. For the Banks industry, the median Cash Ratio is 0.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Multitude AG's current Cash Ratio is 0.56, which is 10% above median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Multitude AG stock overvalued right now?
Based on GuruFocus' analysis, Multitude AG (FRA:MULT) is currently considered Fairly Valued. The stock's GF Value™ is €5.12, compared to a current price of €5.28 — trading 3.1% above its estimated fair value. The current Cash Ratio is 0.56, which is 10% above median its 10-year median of 0.51 and 9.7% below the Banks industry median of 0.62. Multitude AG's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Multitude AG (FRA:MULT), the current Cash Ratio is 0.56 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Multitude AG (FRA:MULT) Overvalued in 2026?
Based on GuruFocus' analysis, Multitude AG stock appears to be overvalued.
The current stock price of €5.28 is trading 3.1% above its estimated GF Value™ of €5.12.
GuruFocus considers Multitude AG to be Fairly Valued.
Key valuation signals for FRA:MULT:
Cash Ratio: 0.56 (10% above median its 10-year median of 0.51)
GF Value™: €5.12 vs. price of €5.28 (3.1% above fair value)
Industry Position: 9.7% below the Banks median (#23 of 44)
No single metric tells the full story. See the FRA:MULT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Multitude AG is a fintech company providing digital financial and banking services to both individuals and businesses. Its reportable and operating segments are: Consumer Banking, SME Banking, and Wholesale Banking. Maximum revenue is derived from the Consumer Banking segment, which is operated under the Ferratum brand and offers digital consumer loans, credit lines, and credit card products. The SME Banking segment, which is operated under the CapitalBox brand, offers working capital and secured and non-secured lending solutions for small businesses, as well as other services such as invoice purchasing, and the Wholesale Banking, operated under the Multitude Bank brand, delivers lending and payment services to institutional clients, FinTechs, and payment service providers across Europe.
74GF Score
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