YOLFTbeta
YI

SaveLend Group AB

YIELD · ST · Financial Services / Credit Services

1.41SEK-0.03 (-2.08%)

Price History

Full chart

Market Stats

Previous Close1.44
Open1.46
Day Range1.40 – 1.46
52-Week Range1.30 – 2.49
Volume19.75K
Market Cap84.21M
P/E (TTM)0.00
Forward P/E14.47
EPS-0.34
Dividend Yield0.00%
Beta-0.24
50-Day Avg1.65
200-Day Avg1.70

About

SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in Sweden and Finland. It offers SaveLend, a savings platform that enables savers to earn returns through savings in credit, such as corporate, real estate, and consumer credit ,as well as factoring. The company has startegic partnership with Nooga to implement Nooga Navigator, an AI-based platform for governance, risk, and compliance (GRC). SaveLend Group AB (publ) was founded in 2014 and is based in Stockholm, Sweden.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Peter Balod
  • Employees45
  • HeadquartersKammakargatan 7, Stockholm, Sweden, 111 40, Sweden
  • Websitehttps://savelendgroup.se

Leadership

  • Mr. Peter BalodChief Executive Officer
  • Ms. Jenny GabrielssonChief Financial Officer
  • Mr. Jacob GevcenChief Product Officer & Chief Information Officer · b. 1980
  • Ms. Lina BrattstromChief Marketing Officer
  • Mr. Jonas AhlbergDeputy CEO & Chief Commercial Officer · b. 1966
  • Mr. Bjorn JohnsonChief Credit Officer · b. 1984
  • Mr. Karl TigerhielmHead of Real Estate

Financials

Income Statement

Currency: SEK2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue31.44M44.77M56.40M94.28M152.80M129.22M111.77M107.48M
Growth (%)-+42.39%+25.97%+67.19%+62.06%-15.43%-13.50%-3.84%
Cost of Revenue2.03M19.92M16.84M37.17M56.26M56.75M35.72M76.75M
Gross Profit29.41M24.85M39.55M57.12M96.54M72.47M76.05M30.73M
Gross Margin93.53%55.50%70.14%60.58%63.18%56.08%68.04%28.59%
Operating Expense27.39M30.33M53.60M92.89M120.89M99.67M97.43M46.52M
Operating Income2.02M-5.49M-14.04M-35.77M-24.35M-27.20M-21.37M-15.79M
Operating Margin6.41%-12.26%-24.90%-37.94%-15.93%-21.05%-19.12%-14.69%
EBITDA3.14K-515.00K-6.58M-18.73M-4.88M-2.26M-1.54M-28.00K
EBITDA Margin0.01%-1.15%-11.68%-19.87%-3.20%-1.75%-1.38%-0.03%
Net Income-11.47M-5.98M-14.61M-28.65M-28.06M-11.62M-22.29M-15.86M
Net Income Margin-36.48%-13.36%-25.90%-30.39%-18.36%-8.99%-19.94%-14.76%
R&D0.360.152.78M4.95M10.42M12.56M4.82M-
R&D as % of Total Revenue0.00%0.00%4.93%5.24%6.82%9.72%4.31%-
Interest Expense01.09M1.13M1.28M857.00K711.00K202.00K3.40M
Interest Expense % of Total Revenue0.00%2.44%2.01%1.35%0.56%0.55%0.18%3.16%

Balance Sheet

Currency: SEK2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets4.41M108.72M123.66M293.86M323.43M304.99M367.68M392.20M
Total Liabilities650.95K54.51M83.16M214.02M216.96M212.74M285.74M309.75M
Total Equity85.34M54.21M40.50M79.84M106.47M92.25M81.94M70.92M
Cash25.71M10.03M4.21M23.19M20.10M16.22M8.47M197.96M
Total Debt27.39M10.99M27.69M49.19M27.81M38.82M22.59M35.39M
Net Debt1.68M969.00K23.48M26.00M7.71M22.60M14.12M-162.57M

Cash Flow

Currency: SEK2018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.46M-7.62M-9.89M-21.72M-3.76M5.62M5.33M1.27M
Investing Cash Flow-56.43M-4.28M-21.94M-41.15M7.69M-20.29M-24.82M-6.26M
Financing Cash Flow53.99M15.81M26.01M81.86M-7.01M10.79M13.36M7.15M
Capital Expenditure2.70M4.28M7.03M11.41M23.11M17.33M14.53M6.55M
Free Cash Flow-1.24M-11.90M-16.92M-33.13M-26.88M-11.71M-9.20M-5.28M
FCF to OCF-84.79%156.17%171.07%152.51%714.11%-208.44%-172.56%-415.11%

Earnings

Report DateAug 17, 2021Nov 18, 2021Feb 23, 2022May 17, 2022Aug 22, 2022Nov 16, 2022Mar 29, 2023May 16, 2023Aug 15, 2023Nov 14, 2023Feb 21, 2024May 16, 2024Aug 16, 2024Nov 14, 2024Feb 24, 2025
EPS Estimate--0.10-0.05-0.10-0.20-0.20-0.10--------
EPS Actual-0.46-0.08-0.15-0.15-0.24-0.09-0.10-0.02-0.09-0.00-0.11-0.11-0.09-0.07-0.14
Surprise-20.00%-200.00%-50.00%-20.00%55.00%0.00%--------
Timing-Pre-market----Pre-market-After-hours-After-hours----

Key Statistics & Ratios

Market Cap84.21M
Enterprise Value55.88M
Trailing P/E0.00
Forward P/E14.47
Price / Sales0.74
Price / Book0.88
EPS-0.34
Book Value1.70
Revenue (TTM)113.37M
Gross Profit (TTM)29.45M
EBITDA-9.32M
Profit Margin21.55%
Operating Margin-27.55%
Return on Equity26.25%
Return on Assets-3.50%
Shares Outstanding57.29M
Shares Float37.76M
Beta-0.24
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%