Enity

ENITY · ST · Financial Services / Mortgage Finance

78.80SEK-0.20 (-0.25%)

Price History

Full chart

Market Stats

Previous Close79.00

Open79.20

Day Range78.30 – 79.40

52-Week Range66.30 – 112.61

Volume69.12K

Market Cap3.75B

P/E (TTM)26.13

Forward P/E0.00

EPS2.87

Dividend Yield1.87%

50-Day Avg76.67

200-Day Avg82.67

About

Enity Holding AB (publ) operates as a mortgage bank to individuals and communities in Sweden, Norway, and Finland. The company cloud-based technology platform. It also offers mortgage products that include first and second charge mortgages and equity release loans, as well as savings accounts and deposit products. The company was formerly known as Bluestep Bank AB (publ) and changed its name to Enity Holding AB (publ) in December 2024. Enity Holding AB (publ) was incorporated in 2004 and is headquartered in Stockholm, Sweden.

Company Details

SectorFinancial Services
IndustryMortgage Finance
CEOMr. Bjorn Lander
Employees361
HeadquartersSveavägen 163, Stockholm, Sweden, 113 46, Sweden
Websitehttps://www.enity.com

Leadership

Mr. Bjorn LanderChief Executive Officer · b. 1975
Mr. Pontus SardalChief Financial Officer · b. 1967
Ms. Anna FogelstromChief Information Officer · b. 1983
Ms. Sofia SvavarHead of Investor Relations · b. 1972
Mr. Christian MarkerChief Legal Officer · b. 1979
Mr. Juan NavasHead of Corporate Communications
Ms. Caroline RedareChief Human Resources Officer · b. 1968
Mr. Erik Walberg OlstadtChief Commercial Officer · b. 1987
Mr. Christer PetterssonChief Customer Acquisition Officer · b. 1967
Ms. Anna WahldenChief Risk Officer · b. 1977

Financials

Income Statement

Currency: SEK	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	906.20M	995.90M	1.16B	1.31B
Growth (%)	-	+9.90%	+16.77%	+12.31%
Net Income	209.80M	200.00M	254.40M	307.10M
Net Income Margin	23.15%	20.08%	21.88%	23.51%
Interest Expense	329.00M	848.30M	1.32B	1.25B
Interest Expense % of Total Revenue	36.31%	85.18%	113.74%	96.01%

Balance Sheet

Currency: SEK	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	26.71B	34.23B	37.17B	38.41B
Total Liabilities	22.10B	28.85B	31.62B	32.63B
Total Equity	4.61B	5.32B	5.55B	5.78B
Cash	501.70M	1.04B	604.70M	656.00M
Net Debt	7.66B	6.54B	7.33B	6.92B

Cash Flow

Currency: SEK	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	1.44B	1.54B	274.00M	-98.00M
Capital Expenditure	71.30M	78.40M	57.10M	47.90M
Free Cash Flow	1.37B	1.46B	216.90M	-145.90M
Dividends Paid	300.00M	-	-	250.00M
FCF to OCF	95.07%	94.92%	79.16%	148.88%
Dividend Paid to FCF	21.84%	-	-	-171.35%

Earnings

Report Date	Aug 27, 2025	Sep 30, 2025	Dec 31, 2025	Apr 30, 2026	Jul 24, 2026
EPS Estimate	2.19	-	-	2.10	2.20
EPS Actual	5.46	2.25	2.24	3.61	2.23
Surprise	149.32%	-	-	71.90%	1.36%
Timing	Pre-market	-	-	Pre-market	Pre-market

Key Statistics & Ratios

Market Cap3.75B

Enterprise Value10.34B

Trailing P/E26.13

Forward P/E0.00

Price / Sales2.42

Price / Book0.63

EPS2.87

Book Value117.56

Revenue (TTM)1.55B

Gross Profit (TTM)1.55B

Profit Margin30.67%

Operating Margin36.63%

Return on Equity8.46%

Return on Assets1.27%

Shares Outstanding50.00M

Shares Float32.74M

Dividend Yield1.87%

Dividend Rate1.40

Payout Ratio13.55%

Dividends

20261×

1.40May 8, 2026