Multitude AG (WBO:MULT) Moat Score: 0/10 (As of Jun. 26, 2026)


WBO:MULT Multitude AG WBO:MULT
52 GF Score
Price €5.50
GF Value €5.14
Valuation Fairly Valued
! 6 Warning Signs
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What is Multitude AG Moat Score?

Multitude AG has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Multitude AG has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Multitude AG might have No Moat - No discernible moat.

Multitude AG  (WBO:MULT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Multitude AG Moat Score Related Terms

WBO:MULT
52GF Score
Multitude AG WBO:MULT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: €5.14 vs. price of €5.50 (7% above fair value)
  • GF Score™: 52/100 with 6 warning signs

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 Business Description

Other Exchanges 0R4W:UKMULT:Germany
Address Grafenauweg 8, Zug, CHE, 6300
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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€5.50
Price
€5.14
GF Value