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.
Savelend Group AB is a Swedish financial services company that operates primarily as a platform for peer-to-peer lending. Its core function is to facilitate the connection between individuals or businesses seeking funding and investors looking for returns on capital. The company provides a digital marketplace that leverages technology to streamline the loan matching process, offering both secured and unsecured loans across various sectors, such as consumer finance, real estate, and small and medium enterprises (SMEs). Savelend Group AB plays a significant role in the financial market by promoting alternative investment opportunities and fostering inclusion in lending practices. With a focus on transparency and efficiency, it empowers users to diversify their portfolios while contributing to the financial ecosystem by addressing the liquidity needs of borrowers.
kr 0.13
+kr 0.00 (+0.38%)
Live · 10:01 PM · Twelve Data
The business is unprofitable at the operating level (-16.19% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue declined 4.4% YoY. The question is whether this is cyclical or a structural shift.
Negative free cash flow of -kr 5M. The business is consuming cash, not generating it.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
kr 107M
▼ -4.4% YoY
Net Income (TTM)
-kr 16M
▲ +28.8% YoY
Op. Margin
-16.19%
▲ +6.8pp YoY
ROIC
-12.36%
▲ +4.9pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-kr 5M
▲ +42.6% YoY
Op. Cash Flow (TTM)
-kr 4M
▼ -12.6% YoY
Net Debt
kr 28M
Cash & Equiv.
kr 8M
3Y CAGR: -11.1%
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Savelend Group AB (YIELD.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, Savelend Group AB scores 3/100 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.
Savelend Group AB scores 3 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 -16.2% operating margin and a -12.4% 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 YIELD.XSTO's valuation and scores 3/100 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.