Multitude SE
Multitude SE is a Swiss-domiciled, Frankfurt-listed digital finance group operating three units - Ferratum consumer lending, CapitalBox SME financing, and Multitude Bank wholesale banking - serving retail, SME, and FinTech clients across 17 European countries through digital platforms built on Tuum core-banking technology.
- Company typePublic
- Founded2005
- HeadquartersHelsinki, Finland
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Multitude SE does
Multitude SE is the Swiss-domiciled (Zug) parent of a European digital financial services platform, listed on the Prime Standard of the Frankfurt Stock Exchange under ticker MULT. Originally founded in Finland in 2005 as Ferratum Group and pivoting to its current identity in 2021, the group today operates three wholly-owned business units: Ferratum for digital consumer lending, CapitalBox for SME growth financing, and Multitude Bank p.l.c. (Malta, regulated by the Malta Financial Services Authority) for wholesale funding solutions to non-bank lenders and FinTechs. More than 700 employees across approximately 20 countries and 40+ nationalities support a customer footprint spanning 17 European markets.
The underlying technology stack combines three legacy digital lending and core-banking systems with Tuum's modular core-banking platform, which has powered Multitude Bank's operations across 13 European markets since 2020 and was renewed in November 2025. On top of this, the proprietary Multitude Growth Platform wraps each business unit with shared technology, regulatory and funding infrastructure intended to accelerate product launches, cross-resourcing, and inter-company capital deployment.
The commercial model rests on net interest income from originated and balance-sheet-held loan portfolios across consumer, SME, and wholesale segments, complemented by fee and commission income (EUR 4.9 million in Q1 2026, up EUR 2.5 million year-on-year). Distribution is split between direct digital onboarding for retail customers, enterprise sales for Wholesale Banking institutional clients, and the Sortter Oy comparison platform following its May 2026 majority acquisition. Group revenue reached EUR 257 million in 2025, with Q1 2026 net loans and investments of EUR 971.6 million, customer deposits of EUR 1.19 billion, total assets of EUR 1.59 billion, and group equity of EUR 249.1 million.
Multitude SE firmographics
Firmographics- Name
- Multitude SE
- Legal name
- Multitude AG
- Website
- https://multitude.com
- Company type
- Public
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Multitude SE is a Swiss-domiciled, Frankfurt-listed digital finance group operating three units - Ferratum consumer lending, CapitalBox SME financing, and Multitude Bank wholesale banking - serving retail, SME, and FinTech clients across 17 European countries through digital platforms built on Tuum core-banking technology.
- Ownership category
- akta.pro rank
Multitude SE industry classification
Industry- Product category
- Digital Lending and Online Banking
- NAICS
- Credit Intermediation and Related Activities (522), Commercial Banking (522110)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Lending & Working Capital Platforms (FSAGAJAA)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Microloans & Working Capital Loans (FSAKAGAA)
Keywords
Where Multitude SE is headquartered
LocationHeadquarters
- HQ city
- Helsinki
- HQ country
- Finland
- HQ region
- Europe
Offices5 records
Markets served
Multitude SE business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Core interest income from digital lending operations across consumer, SME, and wholesale banking segments. Interest income reflects changes to portfolio composition and product offering.
- Fee and Commission Income: Fee and commission income from banking services, including increased fee income from Consumer Banking segment. In Q1 2026, fee income increased significantly by EUR 2.5 million year-on-year to EUR 4.9 million.
- Bond Issuance (Funding Vehicle): Multitude Capital Oyj acts as a funding vehicle, issuing perpetual bonds and senior unsecured bonds to refinance debt and support corporate growth.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels8 records
Multitude SE product offering
Product offeringCore offering
Multitude SE provides digital lending and online banking services through three wholly-owned business units: Ferratum offers short-term consumer loans, credit lines, and SME financing to individuals; CapitalBox delivers growth financing to small and medium-sized enterprises; and Multitude Bank supplies bespoke funding solutions, credit facilities, and payment processing infrastructure to non-bank lenders and other FinTechs. The Multitude Growth Platform provides shared technology, regulatory, and funding infrastructure serving both the internal units and external partners.
Product overview
Multitude SE operates as a digital financial services ecosystem with a platform-plus-modules architecture. The core Multitude Growth Platform supports three independent internal business units—Ferratum (Consumer Banking), CapitalBox (SME Banking), and Multitude Bank (Wholesale Banking)—serving consumers, SMEs, and institutional clients across 17 European countries. Ferratum provides short-term consumer loans and credit lines; CapitalBox delivers growth financing to SMEs; and Multitude Bank offers bespoke institutional funding solutions and credit facilities to non-bank lenders and FinTechs. The company employs over 700 people and achieved EUR 257 million revenue in 2025, with net loans and investments of EUR 971.6 million as of Q1 2026.
Differentiator
Problem solved
Functional benefit
Brands
- Ferratum: Consumer Banking wing serving consumers' small, short-term, unplanned financial needs
- CapitalBox
- Multitude Bank
Products and services
- Ferratum Consumer Banking Digital consumer lending brand of Multitude offering short-term loans, credit lines, and SME financing for consumers' small, short-term, unplanned financial needs across 17 European countries.
- CapitalBox SME Banking SME banking brand providing growth financing to small and medium-sized European enterprises underserved by traditional banks, offering business lending and growth capital solutions.
- Multitude Bank Wholesale Banking Wholesale banking division providing bespoke funding solutions, credit facilities, and payment processing architecture for non-bank lenders and other FinTechs across European markets.
- Multitude Growth Platform Platform that supports Multitude's three internal business units (Ferratum, CapitalBox, Multitude Bank) by offering shared tech and regulatory know-how, cross-resourcing and selling opportunities, and funding expertise that also serves external businesses.
Quantifiable outcome
- EUR 26.6 million net profit in 2025, up 31.7% year-on-year
- +3 more outcomes
Companies that use Multitude SE
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Multitude SE technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Multitude SE partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered strategic and core.
- Sortter OystrategicMultitude AG acquired a majority stake in Sortter Oy, a Finnish financial services comparison platform. Following an initial 19.97% stake investment in 2023, Multitude reached agreement to acquire majority control. Sortter generated revenues of EUR 17.2 million and net profit of EUR 1.6 million in 2025.
- TuumcoreTuum, a next-generation core banking provider, renewed its partnership with Multitude Bank p.l.c. to continue powering the bank's operations and growth across 13 European markets. Since 2020, Tuum's modular platform has been central to Multitude Bank's technology transformation.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
Multitude SE competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Multitude SE social profiles
Digital presenceMultitude SE financial estimates
Financial estimateRevenue estimate
Valuation estimate
Multitude SE leadership team
Management profileNumber of profiles
Profiles15 records
Multitude SE subsidiaries and ownership
Company hierarchySubsidiaries6 records
Multitude SE funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Multitude SE M&A and investment
M&A and investmentM&A1 record
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Multitude SE
What does Multitude SE do?
Multitude SE provides digital lending and online banking services through three wholly-owned business units: Ferratum offers short-term consumer loans, credit lines, and SME financing to individuals; CapitalBox delivers growth financing to small and medium-sized enterprises; and Multitude Bank supplies bespoke funding solutions, credit facilities, and payment processing infrastructure to non-bank lenders and other FinTechs. The Multitude Growth Platform provides shared technology, regulatory, and funding infrastructure serving both the internal units and external partners.
Is Multitude SE a public or private company?
Multitude SE is a public company. It is classified as public and is currently operating.
When was Multitude SE founded?
Multitude SE was founded in 2005. It employs 501 to 1,000 people.
Where is Multitude SE based?
Multitude SE is headquartered in Helsinki, Finland, in the Europe region.
How does Multitude SE make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income and bond Issuance (Funding Vehicle).
Does Multitude SE have an API?
No public API is recorded for Multitude SE.
What industry is Multitude SE in?
Multitude SE's product category is Digital Lending and Online Banking. Its primary akta.pro industry code is FSAGAJAA, SME Lending & Working Capital Platforms, with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 522 and its SIC code is 6141.