Stable Gross MarginsConsistent gross margins indicate the core lending and servicing economics remain intact, providing a durable cushion against credit cost volatility. This stability supports long-term margin management and gives management room to address operating losses without immediate structural changes to the business model.

Declining Total DebtA reduction in total debt improves financial flexibility and lowers interest and refinancing burdens, strengthening the balance sheet over time. Lower leverage reduces default and liquidity risk, enabling the company to allocate capital to technology, credit underwriting, or growth initiatives without excessive funding strain.

Improving Operating Cash FlowImproving operating cash flow signals progress toward cash generation from core activities, a key step to sustainable financing of operations. If sustained, this trend reduces reliance on external funding, helps close the gap to positive free cash flow, and supports reinvestment in platform and credit operations.

Bears Say

Negative Free Cash FlowPersistent negative free cash flow erodes liquidity and forces reliance on debt or equity raises to fund operations. Over months this constrains strategic flexibility, increases financing costs, and raises execution risk for product or credit expansion until the company achieves consistent positive cash conversion.

Ongoing Net LossesSustained operating losses prevent retention of earnings and weaken reinvestment capacity. Continued negative EBIT reflects that fixed costs or credit expenses exceed revenue growth, limiting the firm's ability to scale profitably and undermining return metrics critical for long-term investor confidence and capital access.

Declining Shareholders' EquityA shrinking equity base reduces the capital buffer against credit losses and business shocks, harming solvency metrics. For a credit services firm, lower equity can tighten regulatory or counterparty constraints, increase perceived risk, and raise the likelihood of dilutive capital raises to restore balance sheet strength.

SaveLend Group AB News

SaveLend Group AB (70D) Q2 Earnings Cheat Sheet

SaveLend Group AB (70D) is scheduled to report 2nd quarter earnings on 08/15/2023. Regarding Q2 estimates, Wall Street...

3y ago

70D

SaveLend Group AB (70D) Q1 Earnings Cheat Sheet

SaveLend Group AB (70D) is scheduled to report 1st quarter earnings on 05/16/2023. Regarding Q1 estimates, Wall Street...

3y ago

70D

70D FAQ

What was SaveLend Group AB’s price range in the past 12 months?

SaveLend Group AB lowest stock price was €0.08 and its highest was €0.30 in the past 12 months.

What is SaveLend Group AB’s market cap?

SaveLend Group AB’s market cap is €9.35M.

When is SaveLend Group AB’s upcoming earnings report date?

SaveLend Group AB’s upcoming earnings report date is Feb 19, 2026 which is in 2 days.

How were SaveLend Group AB’s earnings last quarter?

Currently, no data Available

Is SaveLend Group AB overvalued?

According to Wall Street analysts SaveLend Group AB’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does SaveLend Group AB pay dividends?

SaveLend Group AB does not currently pay dividends.

What is SaveLend Group AB’s EPS estimate?

SaveLend Group AB’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does SaveLend Group AB have?

SaveLend Group AB has 57,286,015 shares outstanding.

What happened to SaveLend Group AB’s price movement after its last earnings report?

Currently, no data Available

Which hedge fund is a major shareholder of SaveLend Group AB?

Currently, no hedge funds are holding shares in DE:70D

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

SaveLend Group AB

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.