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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
€952.60M
Enterprise Value€10.50B
Total Cash (Recent Filing)€17.58M
Total Debt (Recent Filing)€394.84M
Price to Earnings (P/E)15.9
Beta0.08
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)3.48
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)1.21
Revenue Forecast (FY)€331.74M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained 18.1% revenue growth in 2025 indicates durable demand for TF Bank's consumer lending and merchant financing. Over months, expanding loan balances and digital/partner distribution should support net interest income growth and scale benefits, underpinning recurring earnings potential.
Conservative LeverageA falling debt-to-equity ratio to 0.12 reflects a materially stronger balance sheet and greater capital cushion. Improved leverage enhances funding flexibility, lowers solvency risk and supports lending capacity and regulatory resilience over the medium term as the bank pursues growth.
Historically High ROEReported ROEs of roughly 19–23% in 2020–2024 demonstrate historically efficient capital deployment in consumer lending. High pre-2025 returns indicate the bank's ability to earn attractive spreads on assets, a durable competitive trait if credit performance and margins remain intact.
Bears Say
Margin CompressionMaterial step-down in net margin from 29.6% (2023) and 19.7% (2024) to 17.3% (2025) suggests structural pressure on profitability. Persistent margin erosion reduces earnings leverage from revenue growth and may indicate rising funding, credit costs or pricing pressure that harms long-term returns.
Revenue Not Translating To ProfitFlat net income despite revenue growth implies cost increases, higher impairment or margin dilution. If sustained, this weakens operating leverage and questions scalability: top-line expansion failing to drive net earnings reduces predictability of future profitability.
Volatile Cash FlowsLarge swings in operating and free cash flow complicate capital allocation and funding plans. Volatility increases the risk of needing external funding or scaling back lending/dividends in stress periods, undermining reliability of cash generation for investments and reserves.
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 €952.60M.
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 35 days.
How were TF Bank AB’s earnings last quarter?
TF Bank AB released its earnings results on Jan 20, 2026. The company reported €0.266 earnings per share for the quarter, beating the consensus estimate of €0.255 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 €0.266 in its last earnings report, beating expectations of €0.255. 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.