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SaveLend Group AB
(YIELD)
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Rating:49Neutral
Price Target:
kr1.50
▼(-23.47% Downside)
Action:Reiterated
Date:09/15/26
The score is held back primarily by weak financial performance (multi-year revenue contraction, ongoing losses, and persistently negative free cash flow) and bearish technicals (price below key moving averages with negative MACD). A low P/E provides some valuation support, but it is not enough to offset the current profitability and cash-burn risks.
Positive Factors
Positive Equity Buffer
Debt remains below equity and equity is positive, giving the group some balance-sheet support despite higher 2025 debt-to-equity. This provides a buffer for credit operations and preserves more financial flexibility than a balance sheet with negative equity, although profitability remains a concern.
Negative Factors
Multi-Year Revenue Contraction
Three consecutive years of revenue contraction indicate that the company has not yet established durable top-line momentum. Persistent shrinkage can weaken operating scale, limit the ability to spread platform and servicing costs, and make it harder to improve profitability without a successful change in growth or product performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive Equity Buffer
Debt remains below equity and equity is positive, giving the group some balance-sheet support despite higher 2025 debt-to-equity. This provides a buffer for credit operations and preserves more financial flexibility than a balance sheet with negative equity, although profitability remains a concern.
Read all positive factors
SaveLend Group AB (YIELD) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr89.65M
Dividend YieldN/A
Average Volume (3M)19.14K
Price to Earnings (P/E)3.6
Beta (1Y)-0.35
Revenue GrowthN/A
EPS GrowthN/A
CountrySE
Employees45
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.43
Shares Outstanding57,286,015
10 Day Avg. Volume22,971
30 Day Avg. Volume19,145
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.55
Price to Sales (P/S)1.02
P/FCF Ratio-20.85
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.18
Revenue Forecast (FY)kr220.00M
SaveLend Group AB Business Overview & Revenue Model
Company Description
SaveLend Group AB (publ) is a financial technology company that, through its various subsidiaries, specializes in the peer-to-peer lending sector across Sweden, Poland, and Finland. Among its key offerings is SaveLend, an investment platform that ...
How the Company Makes Money
SaveLend Group AB makes money primarily by generating income from credit and lending activities and from fees linked to originating and servicing loans. Key revenue streams typically include: (1) Interest income and/or net interest income earned o...
SaveLend Group AB Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
52
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 113.37M | 107.48M | 111.77M | 129.22M | 152.80M | 94.28M |
| Gross Profit | 28.53M | 30.73M | 76.05M | 72.47M | 96.54M | 57.12M |
| EBITDA | -9.69M | -28.00K | -1.54M | -2.26M | -4.88M | -18.73M |
| Net Income | 24.95M | -15.86M | -22.29M | -11.62M | -28.06M | -28.65M |
Balance Sheet | ||||||
| Total Assets | 389.65M | 392.20M | 367.68M | 304.99M | 323.43M | 293.86M |
| Cash, Cash Equivalents and Short-Term Investments | 36.11M | 197.96M | 8.47M | 16.22M | 20.10M | 23.19M |
| Total Debt | 6.06M | 35.39M | 22.59M | 38.82M | 27.81M | 49.19M |
| Total Liabilities | 292.20M | 309.75M | 285.74M | 212.74M | 216.96M | 214.02M |
| Stockholders Equity | 97.46M | 70.92M | 81.94M | 92.25M | 106.47M | 79.84M |
Cash Flow | ||||||
| Free Cash Flow | 3.70M | -5.28M | -9.20M | -11.71M | -26.88M | -33.13M |
| Operating Cash Flow | 5.07M | 1.27M | 5.33M | 5.62M | -3.76M | -21.72M |
| Investing Cash Flow | -2.20M | -6.26M | -24.82M | -20.29M | 7.69M | -41.15M |
| Financing Cash Flow | -3.92M | 7.15M | 13.36M | 10.79M | -7.01M | 81.86M |
SaveLend Group AB Technical Analysis
Negative
1.96
Price Trends
1.67
Negative
1.72
Negative
1.71
Negative
Market Momentum
-0.03
Negative
46.02
Neutral
80.54
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:YIELD, the sentiment is Negative. The current price of 1.96 is above the 20-day moving average (MA) of 1.57, above the 50-day MA of 1.67, and above the 200-day MA of 1.71, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 46.02 is Neutral, neither overbought nor oversold. The STOCH value of 80.54 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:YIELD.
SaveLend Group AB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | kr12.85B | 17.21 | 22.19% | 2.95% | 17.46% | 13.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | kr18.08B | 13.28 | 22.14% | 1.58% | 12.14% | 55.77% | |
53 Neutral | kr564.15M | -8.20 | -8.50% | ― | 12.07% | 47.22% | |
50 Neutral | kr10.68B | -1.04 | -15.95% | 4.73% | -2.84% | -7.20% | |
49 Neutral | kr89.65M | 3.63 | 31.02% | ― | ― | ― |
* Financial Sector Average
SE:YIELD
SaveLend Group AB
1.56
-0.40
-20.41%
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3.16
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-69.68%
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19.59%
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SE:AVARDA
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206.50
31.03
17.68%
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.