Multitude AG

Multitude AG is a European FinTech company that provides digital lending and online banking services. Operating as a fully regulated growth platform for financial technology, its mission is to become a leading financial ecosystem by offering accessible financial services to consumers and small and medium-sized enterprises (SMEs) often overlooked by traditional banks. The company's registered headquarters are located in Zug, Switzerland, following a relocation of its registered seat on December 30, 2024.

Multitude AG delivers its services through three independent business units: Consumer Banking, SME Banking, and Wholesale Banking. Consumer Banking operates under the Ferratum brand, offering digital consumer loans, credit lines, and credit card products. SME Banking, known as CapitalBox, provides working capital, secured and non-secured lending solutions, and invoice purchasing for small businesses. The Wholesale Banking unit, operating as Multitude Bank, offers lending and payment services to institutional clients, FinTechs, and payment service providers across Europe. The company serves approximately 400,000 customers in 17 countries.

Antti Kumpulainen assumed the role of CEO of Multitude Group in January 2025. The company is publicly traded and listed on the Frankfurt Stock Exchange under the ticker symbol MULT. Recent news includes the decisions from its Annual General Meeting in April 2026, which involved board appointments, and executive changes within its Wholesale Banking unit. Multitude AG reported a net profit of EUR 26.6 million in 2025 and projects a net profit of EUR 30 million for 2026, underscoring its strategic positioning to bridge gaps in traditional financial services.