Multitude AGXTER:MULT -2.52%70 OCF Margin % is 237.31% as of Mar. 2026, which is 1989% above its 10-year median of 11.36. GuruFocus rates XTER:MULT with a GF Score™ of 70/100 and a GF Value™ of €5.07 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,501 Banks companies, Multitude AG ranks better than 75.95% on this metric.
The historical rank and industry rank for Multitude AG's OCF Margin % or its related term are showing as below:
XTER:MULT'
s OCF Margin % Range Over the Past 10 Years
Min: -35.92 Med: 11.36 Max: 70.56
Current: 56.85
During the past 12 years, the highest OCF Margin % of Multitude AG was 70.56%. The lowest was -35.92%. And the median was 11.36%.
XTER:MULT's OCF Margin % is ranked better than 75.95% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs XTER:MULT: 56.85
Multitude AG OCF Margin % Related Terms
Multitude AG OCF Margin % Historical Data
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The historical data trend for Multitude AG's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Multitude AG's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Multitude AG's OCF Margin % 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 (XTER:MULT) has a OCF Margin % of 237.31% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Multitude AG and its competitors. This is 1989% above median its historical median of 11.36. According to the industry distribution chart, Multitude AG ranks #361 out of 1501 companies in the Banks industry, placing it in the top 24.1%.
Is Multitude AG's OCF Margin % too high?
Multitude AG's current OCF Margin % of 237.31% is 1989% above median its 10-year median of 11.36. The Banks industry median OCF Margin % is 29.44. Multitude AG's value of 237.31% is 706.1% above this industry median. Based on the distribution chart, Multitude AG ranks #361 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Multitude AG has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Multitude AG's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Multitude AG ranks #361 out of 1501 companies for OCF Margin %. This places Multitude AG in the top 24% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Multitude AG's value of 237.31% is 706.1% above this benchmark. While the company's 10-year median is 11.36 vs. the industry median of 29.44, Multitude AG has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Multitude AG's current OCF Margin % of 237.31% is 706.1% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Multitude AG and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Multitude AG's current OCF Margin % is 237.31%, which is 1989% above median its own 10-year median of 11.36. 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 (XTER:MULT) is currently considered Fairly Valued. The stock's GF Value™ is €5.07, compared to a current price of €5.42 — trading 6.9% above its estimated fair value. The current OCF Margin % is 237.31%, which is 1989% above median its 10-year median of 11.36 and 706.1% above the Banks industry median of 29.44. Multitude AG's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Multitude AG (XTER:MULT), the current OCF Margin % is 237.31% 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 (XTER:MULT) Overvalued in 2026?
Based on GuruFocus' analysis, Multitude AG stock appears to be overvalued.
The current stock price of €5.42 is trading 6.9% above its estimated GF Value™ of €5.07.
GuruFocus considers Multitude AG to be Fairly Valued.
Key valuation signals for XTER:MULT:
OCF Margin %: 237.31% (1989% above median its 10-year median of 11.36)
GF Value™: €5.07 vs. price of €5.42 (6.9% above fair value)
Industry Position: 706.1% above the Banks median (#361 of 1501)
No single metric tells the full story. See the XTER: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.
70GF Score
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