MLP Finanzberatung

What MLP Finanzberatung does

MLP Finanzberatung (legal entity MLP SE) is a Wiesloch-headquartered German financial services group founded in 1971 and publicly listed on the German stock exchange, operating under BaFin (KWG) and ECB (CRR) supervision. It delivers personal financial advisory services across banking, insurance, investment, and retirement planning to four customer segments: private retail clients, corporate clients and freelancers, institutional/wealthy private clients, and students/young adults, with €65.2 billion in assets under management and €859 million in property insurance premiums under management as of March 31, 2026. Distribution is omnichannel within Germany through a nationwide network of certified financial consultants — trained via the MLP Corporate University — combined with self-serve online platforms (mlp.de, mlp-financify.de).

The company's core product is a multi-channel advisory platform that bundles cross-product financial planning (Absicherung, Vermögen, Vorsorge), supplemented by the :pxtra digital employee benefits platform acquired via majority stake in :pxtra GmbH in January 2023, the MLP Corporate University training and credentialing infrastructure, and the MLP School of Financial Education for external financial literacy. Technology is described as AI-supported consulting tools layered on top of the human advisor model; the architecture is fundamentally people-led rather than software-led, with digital channels serving as lead-generation and self-service adjuncts.

MLP generates revenue through commissions and fees from financial advisory services, insurance brokerage, investment products, and banking services. In Q1 2026 it posted record revenue of €315 million (+5% YoY) and EBIT of €41.3 million (+9% YoY), with full-year 2026 EBIT guidance of €100–110 million and a 2028 medium-term revenue target of €1.3–1.4 billion against an EBIT target of €140–155 million. Capital allocation is shareholder-friendly, evidenced by a constant 36 cents-per-share dividend approved at both the 2025 and 2026 Annual General Meetings, while the company continues to fund selective bolt-on M&A and vertical expansion (most recently into medical-market practice management consulting approved in June 2026).

Name

MLP Finanzberatung

Legal name

MLP SE

Website

https://mlp-se.de

Company type

Public

Founded year

1971

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Other Management Consulting Services (541618), Management Consulting Services (54161)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Financial Coaching & Budgeting Advisory (FSAEAAAH)

akta.pro secondary industries

Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Financial advisory services
• Wealth management
• Insurance brokerage
• Retirement planning
• Corporate financial consulting

Headquarters

HQ city

Wiesloch

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Services: MLP generates revenue through commission and fees from financial advisory services, including insurance brokerage, investment products, and banking services. Revenue streams include performance areas: Absicherung (insurance), Vermögen (wealth management), and Vorsorge (retirement planning).

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MLP SE delivers personal financial consulting and advisory services covering banking, insurance, investments, and retirement planning to private customers, corporate clients, freelancers, and institutional investors in Germany. Services are delivered primarily through a nationwide network of trained financial consultants, with AI-supported tools and digital platforms (including the :pxtra employee benefits platform) complementing the personal advisory model. The company also offers institutional wealth and multi-asset management services.

Product overview

MLP is a financial services company operating as a multi-channel advisory platform for private clients, corporations, and institutional investors. The core offering consists of financial consulting services including banking, insurance, investment advisory, and retirement planning. The company has expanded through the acquisition of :pxtra for digital employee benefits solutions. MLP Corporate University provides internal training and certification programs for consultants, while the MLP School of Financial Education offers external educational services. The product architecture is organized around the core advisory platform supplemented by digital solutions (:pxtra), educational offerings (Corporate University, School of Financial Education), and specialized services for different customer segments.

Differentiator

Problem solved

Functional benefit

Products and services

• MLP Financial Consulting Services Core financial advisory services covering banking, insurance, investment, retirement planning, and wealth management for private customers, corporate clients, freelancers, and institutional investors in Germany, delivered through a nationwide network of trained personal financial consultants.
• :pxtra Employee Benefits Platform Digital platform providing solutions for employee benefits, developed through MLP's majority stake acquisition in :pxtra GmbH and launched in April 2023 to expand MLP's employee benefits service offering for corporate clients.
• MLP School of Financial Education External educational services by MLP for financial education and professional development, offering programs for individuals and companies on financial literacy and consulting topics.
• Institutional Wealth and Multi-Asset Management Multi-asset investment management and wealth management services for institutional investors and high-net-worth private clients, managing approximately €65.2 billion in assets under management as of March 31, 2026.
• Corporate Client and Freelancer Financial Services Dedicated financial services for corporate clients and freelancers including employee benefits solutions, business insurance, and corporate financial planning, with the practice management consulting for the medical market added in 2026.

Quantifiable outcome

• New record revenues of €315 million in Q1 2026 (+5% YoY)
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature1 record

Partnerships

One partnership is on record.

• :pxtra GmbHcoreStrategic or Co-development Partner · 24 January 2023MLP Finanzberatung SE acquired a majority stake in :pxtra GmbH, a company providing digital solutions for employee benefits. The platform was expected to launch in April 2023. This investment aimed to expand MLP's employee benefits services amid increasing market demand for digital employee benefit solutions.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory and brokerage network, selling insurance, investment, and banking products through a field-consultant model — directly comparable to MLP in customer segments, product breadth, and distribution approach.
• OVB Holding: European cross-border financial advisory group with strong German footprint; offers insurance, investment, and financial planning products via tied agents — same GTM and product mix as MLP, and comparable multi-country exposure.
• Swiss Life Select: Germany-focused financial advisory arm of Swiss Life Group providing insurance, investment, and retirement products through independent financial planners — directly overlapping with MLP's private and corporate client segments.
• A.S.I. Wirtschaftsberatung: German financial advisory and economic consulting firm focused on academics, executives, and high-net-worth clients; comparable in its personal-advisory model and target segments.

Broad incumbents

• Allianz Beratungs- und Vertriebs-AG: Captive advisory arm of Allianz Germany selling insurance, banking, and asset-management products; comparable in product suite and German retail-corporate focus, but operating as the distribution channel of a much larger incumbent insurer.
• Deutsche Bank Wealth Management: Universal bank's wealth-management division covering private banking, advisory, and discretionary portfolio management in Germany; competes with MLP in HNW and institutional segments but is part of a much broader financial group.
• Wüstenrot & Württembergische (W&W): German insurance and financial services group with tied-agent distribution offering banking, insurance, and asset management products to retail and corporate customers — comparable cross-sell model within a larger incumbent structure.

Emerging players

• Quirin Privatbank: German fee-only private bank serving affluent and HNW clients with portfolio management and financial planning — overlaps with MLP's wealth-management segment but competes on a fee-only model rather than commissions.
• FlatexDEGIRO: Germany's largest online broker, providing low-cost brokerage and savings products; targets a price-sensitive segment that overlaps with MLP's younger/private clients and represents the digital substitute risk.
• Scalable Capital: Munich-based robo-advisor and B2B wealth-tech platform; competes in standardized portfolio management — a key substitute for MLP's lower-end mandates and a benchmark for digital advisory unit economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mlp_se
• Facebookfacebook.com/MLPFinanzberatungSE

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MLP Finanzberatung