YOLFTbeta
Qliro AB

Qliro AB

QLIRO · ST · Financial Services / Credit Services

23.40SEK-0.10 (-0.43%)

Price History

Full chart

Market Stats

Previous Close23.50
Open23.40
Day Range23.20 – 23.50
52-Week Range15.25 – 23.70
Volume222.67K
Market Cap542.77M
P/E (TTM)0.00
Forward P/E5.68
EPS-1.94
Dividend Yield0.00%
Beta0.93
50-Day Avg17.56
200-Day Avg18.35

About

Qliro AB (publ), a fintech company, provides digital payment solutions to enterprise and SME merchants in Sweden, Finland, Denmark, and Norway. It offers payment solutions for e-merchants to receive payment and for consumers to shop online; Pay Later, an invoice and part-payment services; and personal savings accounts. The company was incorporated in 2014 and is headquartered in Stockholm, Sweden.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Christoffer Rutgersson
  • Employees189
  • HeadquartersSveavägen 151, Stockholm, Sweden, 113 46, Sweden
  • Websitehttps://www.qliro.com

Leadership

  • Mr. Christoffer RutgerssonChief Executive Officer · b. 1986
  • Mr. Christofer ZetterquistInterim Chief Financial Officer · b. 1976
  • Ilya MikhailovChief Technology Officer
  • Ms. Sandra ArvidssonChief Legal Officer · b. 1988
  • Ms. Anna EngmanChief People Officer · b. 1989
  • Mr. Joel NissesChief Risk Officer · b. 1981
  • Mr. Robin SoubryChief Strategy Officer · b. 1986
  • Ms. Evelin KaupDeputy CEO · b. 1987
  • Hampus CarlsonChief Product Officer
  • Jens RyggChief Sales Officer Enterprise

Financials

Income Statement

Currency: SEK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue110.73M169.65M244.05M315.06M-411.80M449.80M470.40M442.70M485.00M516.80M
Growth (%)-+53.21%+43.86%+29.10%--+9.23%+4.58%-5.89%+9.56%+6.56%
Cost of Revenue76.24M17.20M115.50M130.48M-164.10M178.10M176.10M201.70M255.40M111.30M
Gross Profit34.49M152.44M128.55M184.58M-247.70M271.70M294.30M241.00M229.60M405.50M
Gross Margin31.15%89.86%52.67%58.59%-60.15%60.40%62.56%54.44%47.34%78.46%
Operating Expense62.83M138.04M130.45M201.19M-328.80M320.00M409.80M265.40M262.90M518.90M
Operating Income-28.34M14.40M-1.90M-16.60M--81.10M-48.30M-115.50M-24.40M-33.30M-113.40M
Operating Margin-25.59%8.49%-0.78%-5.27%--19.69%-10.74%-24.55%-5.51%-6.87%-21.94%
EBITDA-20.82M121.89M27.76M21.52M-20.60M45.80M-9.30M48.90M45.50M-87.50M
EBITDA Margin-18.80%71.85%11.38%6.83%-5.00%10.18%-1.98%11.05%9.38%-16.93%
Net Income-209.00K2.29M33.00K-13.18M--67.00M-39.90M-93.50M4.10M-21.90M-84.10M
Net Income Margin-0.19%1.35%0.01%-4.18%--16.27%-8.87%-19.88%0.93%-4.52%-16.27%
R&D-0.010.010.05-0.190.110.240.01--
R&D as % of Total Revenue-0.00%0.00%0.00%-0.00%0.00%0.00%0.00%--
Interest Expense-046.00K14.00K-300.00K800.00K800.00K400.00K200.00K12.70M
Interest Expense % of Total Revenue-0.00%0.02%0.00%-0.07%0.18%0.17%0.09%0.04%2.46%

Balance Sheet

Currency: SEK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets592.93M511.83M1.35B1.94B2.88B3.20B3.47B4.20B3.69B3.45B3.38B
Total Liabilities543.53M50.05M1.01B1.52B2.35B2.61B2.93B3.73B3.21B2.90B2.80B
Total Equity49.40M863.83M345.40M413.48M527.95M588.00M548.00M470.50M480.20M559.20M576.90M
Cash-5.76M70.88M21.81M-19.11M-14.90M-14.90M-6.80M101.00M--
Total Debt327.88M718.00K948.22M1.45B432.88M358.70M2.80B3.46B3.06B2.73B123.70M
Net Debt327.88M-5.04M948.22M1.45B451.99M373.60M2.80B3.47B3.06B2.73B123.70M

Cash Flow

Currency: SEK2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-296.61M4.65M90.44M-89.24M--130.00M1.10M923.30M-696.00M436.70M-353.10M
Investing Cash Flow-31.05M-55.14M-69.31M-59.83M--74.50M-90.20M-91.60M-96.70M-131.70M-123.70M
Financing Cash Flow355.82M233.96M44.00M100.00M-119.30M-8.20M11.60M-3.10M-4.90M159.30M
Capital Expenditure31.05M55.14M69.31M59.83M074.50M90.30M91.70M96.70M131.70M123.70M
Free Cash Flow-327.65M-50.49M21.13M-149.07M--204.50M-89.20M831.60M-792.70M305.00M-476.80M
Dividends Paid---100.00M-------
FCF to OCF110.47%-1086.76%23.36%167.05%-157.31%-8109.09%90.07%113.89%69.84%135.03%
Dividend Paid to FCF----67.08%-------

Earnings

Report DateFeb 16, 2021May 11, 2021Jul 20, 2021Oct 26, 2021Feb 8, 2022May 3, 2022Jul 19, 2022Oct 25, 2022Feb 8, 2023May 3, 2023Jul 19, 2023Oct 25, 2023Feb 8, 2024Apr 26, 2024Jul 17, 2024Nov 15, 2024Feb 11, 2025Apr 30, 2025Aug 26, 2025Oct 21, 2025Feb 11, 2026May 6, 2026Jul 17, 2026
EPS Estimate-1.02-0.47-0.69-0.53-0.87-0.30-0.48-1.88-2.17-0.020.080.140.300.140.17-0.33-0.17-0.52-0.81-0.360.070.15
EPS Actual-0.86-0.25-0.68-0.45-0.84-0.40-1.52-1.18-1.950.060.040.040.080.180.18-0.37-1.06-0.68-1.22-0.77-0.42-0.07-0.04
Surprise15.69%46.81%1.45%15.09%3.45%-33.33%-216.67%37.23%10.14%-100.00%-50.00%-42.86%-40.00%28.57%-317.65%-221.21%-300.00%-134.62%4.94%-16.67%-200.00%-126.67%
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap542.77M
Enterprise Value2.42B
Trailing P/E0.00
Forward P/E5.68
Price / Sales1.54
Price / Book0.86
EPS-1.94
Book Value17.88
Revenue (TTM)352.90M
Gross Profit (TTM)352.90M
Profit Margin-15.76%
Operating Margin0.83%
Return on Equity-7.96%
Return on Assets-1.41%
Shares Outstanding34.24M
Shares Float22.97M
Beta0.93
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%