TF Bank AB (0RHM) AI Stock Analysis

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TF Bank AB

(LSE:0RHM)

Rating:―N/A

Action:N/A

Date:―

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Positive Factors

Revenue GrowthThe 2025 revenue rebound shows renewed demand across TF Bank’s lending, deposit, and payment activities after weaker prior years. If maintained, stronger top-line growth can broaden the earnings base, support operating investment, and reinforce the company’s position across European consumer finance markets.

Negative Factors

Margin NormalizationThe sustained decline in net margin indicates that higher revenue is not translating into proportionally higher profitability. This normalization could constrain earnings growth, reduce the benefit of future sales expansion, and leave results more sensitive to funding costs, credit performance, or operating expenses.

TF Bank AB (0RHM) vs. iShares MSCI United Kingdom ETF (EWC)

Market Cap: SEK 13.93B
Dividend Yield: 2.82%
Average Volume (3M): 1,342
Price to Earnings (P/E): 17.2
Beta (1Y): 0.64
Revenue Growth: 21.52%
EPS Growth: 15.81%
Country: UK
Employees: 443
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

TF Bank AB Business Overview & Revenue Model

Company Description

TF Bank AB (publ) provides consumer banking services and e-commerce solutions through a proprietary IT platform. The company operates in three segments: Consumer Lending, E-commerce Solutions, and Credit Cards. It provides savings accounts; unsecured...

TF Bank AB Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GB:0RHM against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SE:AZA	71Outperform	SEK 55.85B	19.12	39.67%	3.61%	13.47%	10.94%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SE:SHB.B	63Neutral	SEK 311.20B	13.25	12.53%	3.32%	-13.80%	-5.44%
SE:NORION	62Neutral	SEK 11.30B	10.05	―	―	-1.69%	-6.86%
SE:QLIRO	52Neutral	SEK 434.22M	-17.57	-2.37%	―	16.84%	83.08%

* Financial Sector Average

Performance Comparison

GB:0RHM and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GB:0RHM	TF Bank AB	216.00	41.78	23.98%
SE:AZA	Avanza Bank Holding AB	353.10	-1.43	-0.40%
SE:MORROW	Komplett Bank ASA	15.54	1.39	9.84%
SE:SHB.B	Svenska Handelsbanken AB Class B	241.00	47.80	24.74%
SE:QLIRO	Qliro AB	12.70	-5.82	-31.41%
SE:NORION	Collector AB	65.40	-3.50	-5.08%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

TF Bank AB AI Stock Analysis