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TF Bank AB (DE:6TF0)
FRANKFURT:6TF0
6TF0 Stock Chart & Stats
€14.60
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Market closed
€14.60
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Day’s Range― - ―
52-Week Range€9.25 - €16.94
Previous CloseN/A
VolumeN/A
Average Volume (3M)12.00
Market Cap
€955.34M
Enterprise Value€10.48B
Total Cash (Recent Filing)€17.58M
Total Debt (Recent Filing)€394.84M
Price to Earnings (P/E)8.6
Beta0.09
Next Earnings
Apr 14, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.27
Shares Outstanding64,650,000
10 Day Avg. Volume28
30 Day Avg. Volume12
Financial Highlights & Ratios
PEG Ratio2.57
Price to Book (P/B)3.22
Price to Sales (P/S)2.85
P/FCF Ratio13.91
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthAn 18.1% revenue increase in 2025 demonstrates durable demand for TF Bank's consumer lending and savings products. Sustained top-line growth expands the interest-earning asset base, supports scale in digital origination, and underpins medium-term earnings potential as the loan book grows.
Conservative LeverageMaterial reduction in debt-to-equity to 0.12 signals a more conservative balance sheet and greater financial flexibility. Lower leverage reduces funding and regulatory risk, leaving room for capital deployment, loss absorption and measured growth without needing immediate external financing.
Digital Consumer Lending With Strong ROETF Bank's digital-first consumer lending model and historically high ROEs (≈19–23%) imply efficient capital use and scalable distribution. Digital channels lower unit acquisition and servicing costs, supporting durable competitive advantages in the Nordic retail lending niche.
Bears Say
Margin CompressionNet and EBIT margins have declined materially over recent years, reducing the bank's ability to turn revenue into earnings. Persistent margin normalization suggests pressure from funding costs, credit provisioning or pricing, which can structurally limit earnings growth despite revenue gains.
Volatile Cash FlowPronounced year-to-year swings in operating and free cash flow complicate capital planning, dividend visibility and provisioning. For a lending franchise, unstable cash generation raises funding and liquidity risks and weakens predictability of internally funded growth.
Earnings Conversion WeaknessFlat net income despite solid revenue growth indicates challenges converting top-line gains to shareholder earnings. This signals potential rising costs, credit losses or one-off impacts that may persist and constrain ROE and retained earnings growth.
TF Bank AB News
6TF0 FAQ
What was TF Bank AB’s price range in the past 12 months?
TF Bank AB lowest stock price was €9.25 and its highest was €16.94 in the past 12 months.
What is TF Bank AB’s market cap?
TF Bank AB’s market cap is €955.34M.
When is TF Bank AB’s upcoming earnings report date?
TF Bank AB’s upcoming earnings report date is Apr 14, 2026 which is in 56 days.
How were TF Bank AB’s earnings last quarter?
TF Bank AB released its earnings results on Jan 20, 2026. The company reported €0.268 earnings per share for the quarter, beating the consensus estimate of €0.256 by €0.011.
Is TF Bank AB overvalued?
According to Wall Street analysts TF Bank AB’s price is currently Overvalued.
Does TF Bank AB pay dividends?
TF Bank AB does not currently pay dividends.
What is TF Bank AB’s EPS estimate?
TF Bank AB’s EPS estimate is 0.27.
How many shares outstanding does TF Bank AB have?
TF Bank AB has 64,650,000 shares outstanding.
What happened to TF Bank AB’s price movement after its last earnings report?
TF Bank AB reported an EPS of €0.268 in its last earnings report, beating expectations of €0.256. Following the earnings report the stock price went down -1.396%.
Which hedge fund is a major shareholder of TF Bank AB?
Currently, no hedge funds are holding shares in DE:6TF0
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
TF Bank AB
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 consumer loans; and digital payment solutions, as well as credit cards. The company serves private individuals in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, and Austria. TF Bank AB (publ) was founded in 1987 and is headquartered in Borås, Sweden.