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YIELD
SaveLend Group AB (publ) – STO
Weekly Share Price & Valuation Overview
Market Overview
Open
2.1300
Close
2.0200
High
2.2700
Low
2.0000
Trend
0.52642
SaveLend Group AB (publ)
Sweden
• STO - Nasdaq Stockholm
• YIELD
• Currency: SEK
SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in the fixed income investment segment in Sweden, Poland, and Finland. It operates in two segments, The Savings Platform and Billing Platform. The company offers SaveLend, a savings platform for savers to get yield through saving in credits, a billing platform which consists of a complete billing system containing accounts receivable, and notification and financing solutions. SaveLend Group AB (publ) was founded in 2014 and is based in Stockholm, Sweden.
Key strengths
- Earnings growth ≥10% supports improving profitability trajectory.
Potential weaknesses
- Debt-to-equity >2 — elevated leverage may constrain flexibility.
Scale & Structure
Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
- Market Cap Total equity value of the company (share price × shares outstanding).
- SEK 123.74M
- Enterprise Value Operating value: market cap + total debt − cash.
- SEK 306.63M
- Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
- SEK 108.29M
- Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
- SEK 1.92
- EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
- -0.45
- Shares Outstanding
- 57.29M
- Float Shares
- 39.21M
- Implied Shares Outstanding
- 57.29M
Profitability & Efficiency
TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful. EBITDA suppressed where implausible vs revenue.
- Operating Margin (TTM) Operating income ÷ revenue over the last twelve months (reconciled when possible).
-
-20.44%
- Profit Margin (TTM) Net income ÷ revenue over the last twelve months (reconciled when possible).
-
-12.53%
- ROE Return on equity: net income ÷ shareholder equity.
-
-16.25%
Growth
Growth rates are YoY unless labeled QoQ.
- Revenue Growth Year-over-year revenue growth.
-
-12.90%
- Earnings Growth (YoY) Strong Year-over-year earnings growth.
-
22.34%
Liquidity & Solvency
Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
- Debt to Equity Total debt ÷ shareholder equity; leverage.
- 2.34
- Total Cash Cash and equivalents.
- SEK 8.47M
- Total Debt Short + long-term interest-bearing debt.
- SEK 191.36M
- Net Debt Total debt − cash (negative = net cash).
- SEK 182.90M
Sharemaestro House View
Confidence: 1
Sharemaestro internal conviction (0–3, higher is better).
Risk: 1
Sharemaestro internal risk profile (0–3, higher is safer).
Operational: 1
Operational quality/consistency (0–3, higher is better).
Composite Score: 1
Overall internal composite (0–3, higher is better).
Suggested Allocation: 1.67%
Indicative portfolio weighting suggestion based on house view.
Structural Insights
(experimental)
Ownership & Liquidity
Free Float
Proportion of shares available for public trading.
68.4%
Insiders
Shares held by company insiders (officers, directors).
57.1%
Institutions
Shares held by institutions (funds, pensions).
3.5%
Capital Structure
Potential Dilution
Increase in share count if options/convertibles exercise.
None detected
Net Debt
Total debt − cash (negative = net cash).
SEK 182.90M
168.9% of revenue
Net debt relative to revenue — debt load vs business scale.
Resilience Score
0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating.
8
Methodology Notes
- EBITDA & EBITDA margin suppressed (implausible vs revenue or not meaningful for financials).
- Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-18 10:10
Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.
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