Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Qliro AB is a prominent financial institution offering a comprehensive suite of digital financial services. Established in Sweden, Qliro AB primarily operates within the Nordics, addressing the needs of customers with its user-centric approach to online payments and consumer finance solutions. The company distinguishes itself through its innovative payment platform which efficiently facilitates e-commerce transactions and enables customers to manage their finances seamlessly. Beyond payment solutions, Qliro AB is recognized for providing competitive personal loans and savings accounts, leveraging technology to enhance customer experience and accessibility. It functions at the intersection of finance and technology, playing an instrumental role in the transformation of digital banking landscapes across its target markets. Strategically positioned in the fast-evolving fintech sector, Qliro AB is vital in enabling smoother financial activities for both consumers and merchants. Its operations are critical to driving digital payment adoption and improving financial inclusion in the regions it serves, contributing to the broader digital economy.
kr 1.67
+kr 0.01 (+0.30%)
EOD Jun 25, 2026 · Twelve Data
The business is unprofitable at the operating level (-22.76% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 3.0%, steady but not accelerating. Margins contracted 13.4pp, which offsets some of the top-line progress.
Free cash flow declined 268% versus the prior year, cash generation momentum has weakened. Negative free cash flow of -kr 512M. The business is consuming cash, not generating it.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (FY)
kr 500M
▲ +3.0% YoY
Net Income (FY)
-kr 84M
▼ -287.2% YoY
Op. Margin
-22.76%
▼ -13.4pp YoY
ROIC
-2.77%
▼ -1.7pp YoY
Cash Flow & Balance Sheet
FCF (FY)
-kr 512M
▼ -268.0% YoY
Op. Cash Flow (FY)
-kr 510M
▼ -266.5% YoY
Net Debt
kr 2.38B
Cash & Equiv.
kr 229M
3Y CAGR: +2.0%
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Qliro AB (QLIRO.XSTO)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Qliro AB scores 21/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Qliro AB scores 21 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a -22.8% operating margin and a -2.8% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh QLIRO.XSTO's valuation and scores 21/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.