Multitude AGWBO:MULT -2.48%52 Interest Coverage is 6.51 as of Mar. 2026, which is 97% below its 10-year median of 257.71. GuruFocus rates WBO:MULT with a GF Score™ of 52/100 and a GF Value™ of €5.14 (Fairly Valued). The stock has 6 warning signs investors should review. Among 21 Banks companies, Multitude AG ranks better than 66.67% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Multitude AG's
Operating Income
for the
three
months ended in Mar. 2026 was €20.6 Mil. Multitude AG's Interest Expense for the
three
months ended in Mar. 2026 was €-3.2 Mil.
Multitude AG's interest coverage for the quarter that ended in Mar. 2026 was 6.51.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Multitude AG's Interest Coverage or its related term are showing as below:
WBO:MULT'
s Interest Coverage Range Over the Past 10 Years
Min: 11.7 Med: 257.71 Max: 429.11
Current: 40.4
WBO:MULT's Interest Coverage is ranked better than 66.67% of 21
companies
in the Banks industry
Industry Median: 22.68
vs WBO:MULT: 40.40
Multitude AG (WBO:MULT) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Multitude AG Interest Coverage Related Terms
Multitude AG Interest Coverage Historical Data
* Premium members only.
The historical data trend for Multitude AG's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
WBO:MULT vs PNC, USB: Interest Coverage Comparison
For the Banks - Regional subindustry, Multitude AG's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Multitude AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Multitude AG's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (WBO:MULT) has a Interest Coverage of 6.51 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Multitude AG and its competitors. This is 97% below median its historical median of 257.71. Over the past decade, Multitude AG's Interest Coverage has ranged from 11.70 to 429.11. According to the industry distribution chart, Multitude AG ranks #7 out of 21 companies in the Banks industry, placing it in the top 33.3%.
Is Multitude AG's Interest Coverage too high?
Multitude AG's current Interest Coverage of 6.51 is 97% below median its 10-year median of 257.71. Over the past 10 years, this metric has ranged from a low of 11.70 to a high of 429.11. The Banks industry median Interest Coverage is 22.68. Multitude AG's value of 6.51 is 71.3% below this industry median. Based on the distribution chart, Multitude AG ranks #7 out of 21 companies in the Banks industry, which is above the industry midpoint. Overall, Multitude AG has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Multitude AG's Interest Coverage compare to PNC and USB?
According to the Banks industry distribution chart, Multitude AG ranks #7 out of 21 companies for Interest Coverage. This puts Multitude AG in the upper half of its industry. The industry median Interest Coverage is 22.68. Multitude AG's value of 6.51 is 71.3% below this benchmark. Historically, Multitude AG's own Interest Coverage has ranged from 11.70 to 429.11 over the past decade. While the company's 10-year median is 257.71 vs. the industry median of 22.68, 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 Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Multitude AG's current Interest Coverage of 6.51 is 71.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Multitude AG and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Multitude AG's current Interest Coverage is 6.51, which is 97% below median its own 10-year median of 257.71. 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 (WBO:MULT) is currently considered Fairly Valued. The stock's GF Value™ is €5.14, compared to a current price of €5.50 — trading 7% above its estimated fair value. The current Interest Coverage is 6.51, which is 97% below median its 10-year median of 257.71 and 71.3% below the Banks industry median of 22.68. Multitude AG's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Multitude AG (WBO:MULT), the current Interest Coverage is 6.51 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 (WBO:MULT) Overvalued in 2026?
Based on GuruFocus' analysis, Multitude AG stock appears to be overvalued.
The current stock price of €5.50 is trading 7% above its estimated GF Value™ of €5.14.
GuruFocus considers Multitude AG to be Fairly Valued.
Key valuation signals for WBO:MULT:
Interest Coverage: 6.51 (97% below median its 10-year median of 257.71)
GF Value™: €5.14 vs. price of €5.50 (7% above fair value)
Industry Position: 71.3% below the Banks median (#7 of 21)
No single metric tells the full story. See the WBO: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.
52GF Score
Get the complete analysis for WBO:MULT
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WBO:MULT has been successfully added to your 
