Multi-pin joints are commonly used in engineering due to their high loading capacity. However, affected by coupling relationships between pin load and bypass load, the evaluation of stress state is difficult for composite multi-pin joints. An analytical method is proposed in this paper to calculate stress distribution of these joints under tensile load. Stress functions in this method are created considering the pin load and bypass load, according to a geometry division of the whole plate. Superposition relationships are built for each section type with an influence coefficient of bypass load. Stress components could be obtained by calculation of stress functions when material properties, geometry dimension and load are known. Experiments and finite element method are employed to verify the validation of proposed method. Results show that pin position affects stress state, and mainly embodies in σx. The first pin always gets the highest stress level, while for the other pins the stress is quite similar. Increase pin number will decrease stress level but the effect is relatively small for the first pin.