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Multitude AGFRA:MULT +0.73%74 5-Year Yield-on-Cost % is 10.07 as of Jul. 16, 2026, which is 459% above its 10-year median of 1.80. GuruFocus rates FRA:MULT with a GF Score™ of 74/100 and a GF Value™ of €5.10 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, Multitude AG ranks better than 87.25% on this metric.
Multitude AG's yield on cost for the quarter that ended in Mar. 2026 was 10.07.
The historical rank and industry rank for Multitude AG's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:MULT'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38 Med: 1.8 Max: 10.22
Current: 10.07
During the past 12 years, Multitude AG's highest Yield on Cost was 10.22. The lowest was 0.38. And the median was 1.80.
FRA:MULT's 5-Year Yield-on-Cost % is ranked better than 87.25% of 1255
companies
in the Banks industry
Industry Median: 3.88
vs FRA:MULT: 10.07
Multitude AG (FRA:MULT) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Multitude AG 5-Year Yield-on-Cost % Related Terms
FRA:MULT vs PNC, USB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Multitude AG's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Multitude AG's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Multitude AG's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Multitude AG is calculated as
Multitude AG (FRA:MULT) has a 5-Year Yield-on-Cost % of 10.07 as of Jul. 16, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Multitude AG and its competitors. This is 459% above median its historical median of 1.80. Over the past decade, Multitude AG's 5-Year Yield-on-Cost % has ranged from 0.38 to 10.22. According to the industry distribution chart, Multitude AG ranks #160 out of 1255 companies in the Banks industry, placing it in the top 12.7%.
Is Multitude AG's 5-Year Yield-on-Cost % too high?
Multitude AG's current 5-Year Yield-on-Cost % of 10.07 is 459% above median its 10-year median of 1.80. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 10.22. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Multitude AG's value of 10.07 is 159.5% above this industry median. Based on the distribution chart, Multitude AG ranks #160 out of 1255 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 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Multitude AG's 5-Year Yield-on-Cost % compare to PNC and USB?
According to the Banks industry distribution chart, Multitude AG ranks #160 out of 1255 companies for 5-Year Yield-on-Cost %. This places Multitude AG in the top 13% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Multitude AG's value of 10.07 is 159.5% above this benchmark. Historically, Multitude AG's own 5-Year Yield-on-Cost % has ranged from 0.38 to 10.22 over the past decade. While the company's 10-year median is 1.80 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Multitude AG's current 5-Year Yield-on-Cost % of 10.07 is 159.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Multitude AG and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Multitude AG's current 5-Year Yield-on-Cost % is 10.07, which is 459% above median its own 10-year median of 1.80. 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 €5.10, compared to a current price of €5.50 — trading 7.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 10.07, which is 459% above median its 10-year median of 1.80 and 159.5% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Multitude AG (FRA:MULT), the current 5-Year Yield-on-Cost % is 10.07 as of Jul. 16, 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 €5.50 is trading 7.8% above its estimated GF Value™ of €5.10.
GuruFocus considers Multitude AG to be Fairly Valued.
Key valuation signals for FRA:MULT:
5-Year Yield-on-Cost %: 10.07 (459% above median its 10-year median of 1.80)
GF Value™: €5.10 vs. price of €5.50 (7.8% above fair value)
Industry Position: 159.5% above the Banks median (#160 of 1255)
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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