SaveLend Group AB (YIELD) AI Stock Analysis

• Market Cap: kr114.29M
• Dividend Yield: N/A
• Average Volume (3M): 27.37K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.23
• Revenue Growth: -15.41%
• EPS Growth: -85.25%
• Country: SE
• Employees: 65
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.24
• Shares Outstanding: 57,286,015
• 10 Day Avg. Volume: 33,320
• 30 Day Avg. Volume: 27,368
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: kr1.98
• Price Target Upside: -0.89% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: kr2.00 ▲(0.00% Upside)

The overall stock score is primarily impacted by the company's financial performance, which is challenged by ongoing profitability and cash flow issues. Technical analysis indicates a bearish trend, while valuation metrics reflect negative profitability. These factors collectively result in a low stock score, highlighting significant risks for potential investors.

SaveLend Group AB Business Overview & Revenue Model

Company Description

SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in the peer-to-peer lending segment in Sweden, Poland, and Finland. It offers SaveLend, an investment platform that enables users to invest in various credit, such as invoice purchases, corporate loans, consumer loans, debt collection portfolios, and real estate loans; and Billecta, a billing platform that automates the companies' invoicing flow, as well as helps them to charge and get paid. The company was founded in 2014 and is based in Stockholm, Sweden.

How the Company Makes Money

SaveLend Group AB generates revenue primarily through fees associated with its lending platform. The company charges service fees to both borrowers and investors. Borrowers pay origination fees for the loans they secure through the platform, while investors are charged management or transaction fees based on their investment activities. Additionally, SaveLend might earn interest income from any loans held on its balance sheet. Partnerships with financial institutions and other strategic alliances may also contribute to its revenue streams by expanding its platform's reach and capabilities.

SaveLend Group AB Financial Statement Overview

Summary

Despite stable gross margins and reduced debt, the company struggles with profitability and cash flow. Ongoing negative EBIT, net income, and free cash flow highlight significant financial challenges.

Income Statement

The company has shown fluctuating revenue performance over the years, with revenue decreasing in the most recent year. Gross profit margins have remained relatively stable, but the company continues to report negative EBIT and net income, reflecting ongoing challenges in achieving profitability. The net profit margin is negative, indicating continued losses, although the EBITDA margin shows slight improvement.

Balance Sheet

The debt-to-equity ratio suggests moderate leverage, with total debt decreasing in the latest year. However, stockholders' equity has decreased, affecting the equity ratio. The return on equity is negative due to persistent net losses. The company's balance sheet indicates moderate financial stability but also highlights the need for improved profitability.

Cash Flow

The company continues to face negative free cash flow, although there has been some improvement in operating cash flow. The free cash flow to net income ratio is not favorable due to ongoing losses. The cash flow situation highlights the company's struggle to generate positive cash flow from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	131.21M	146.05M	172.24M	152.80M	94.28M	56.40M
Gross Profit	67.47M	86.94M	88.31M	81.70M	57.12M	21.54M
EBITDA	2.99M	-5.62M	3.69M	-24.30M	-16.34M	-4.77M
Net Income	-13.57M	-22.29M	-11.62M	-28.06M	-28.65M	-14.61M
Balance Sheet
Total Assets	0.00	367.68M	304.99M	323.43M	293.86M	123.66M
Cash, Cash Equivalents and Short-Term Investments	8.47M	8.47M	16.22M	20.10M	23.19M	4.21M
Total Debt	0.00	22.59M	38.82M	27.81M	49.19M	27.69M
Total Liabilities	-81.94M	285.74M	212.74M	216.96M	214.02M	83.16M
Stockholders Equity	81.94M	81.94M	92.25M	106.47M	79.84M	40.50M
Cash Flow
Free Cash Flow	-5.76M	-9.20M	-11.71M	-26.88M	-33.13M	-16.92M
Operating Cash Flow	562.00K	5.33M	5.62M	-3.76M	-21.72M	-9.89M
Investing Cash Flow	-8.90M	-24.82M	-20.29M	7.69M	-41.15M	-21.94M
Financing Cash Flow	6.86M	13.36M	10.79M	-7.01M	81.86M	26.01M

SaveLend Group AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:YIELD, the sentiment is Positive. The current price of 2 is below the 20-day moving average (MA) of 2.02, below the 50-day MA of 2.11, and above the 200-day MA of 1.83, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 47.23 is Neutral, neither overbought nor oversold. The STOCH value of 65.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:YIELD.

SaveLend Group AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HOFI	70 Neutral	kr8.74B	10.01	―	2.00%	23.24%	6.30%
TFBANK	65 Neutral	kr11.92B	5.99	22.81%	―	18.25%	56.05%
QLIRO	58 Neutral	kr558.46M	-5.20	-3.92%	―	-15.87%	-923.23%
YIELD	41 Neutral	kr114.29M	―	-24.41%	―	-15.41%	-85.25%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%