Collector AB (SE:NORION)
:NORION
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Collector AB
(NORION)
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Rating:59Neutral
Price Target:
kr57.00
▼(-6.56% Downside)
Action:ReiteratedDate:04/24/26
The score is driven primarily by solid profitability and a manageable leverage profile, offset by the key risk of negative and volatile cash flow. Technicals are weak with the stock trading below major moving averages and subdued momentum, while valuation is supportive due to a low P/E.
Positive Factors
High profitability
Sustained EBIT and net margins around the mid-20s to low-30s provide a durable earnings buffer for a credit business. Robust margins support reinvestment, provisioning for credit losses, and cover fixed costs across cycles, enhancing long-term earnings resilience.
Negative Factors
Negative & volatile cash flow
Repeated negative operating and free cash flow increases reliance on balance sheet funding and external capital. For a credit provider, persistent cash volatility can constrain loan origination, raise funding costs, and limit strategic optionality if not resolved.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained EBIT and net margins around the mid-20s to low-30s provide a durable earnings buffer for a credit business. Robust margins support reinvestment, provisioning for credit losses, and cover fixed costs across cycles, enhancing long-term earnings resilience.
Read all positive factors
Collector AB (NORION) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr9.41B
Dividend YieldN/A
Average Volume (3M)166.24K
Price to Earnings (P/E)8.8
Beta (1Y)0.51
Revenue Growth-5.99%
EPS Growth1.10%
CountrySE
Employees399
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.53
Shares Outstanding189,782,530
10 Day Avg. Volume158,870
30 Day Avg. Volume166,237
Financial Highlights & Ratios
PEG Ratio0.57
Price to Book (P/B)1.46
Price to Sales (P/S)2.53
P/FCF Ratio11.16
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
kr72.00Price Target Upside18.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)7.53
Revenue Forecast (FY)kr3.93B
Collector AB Business Overview & Revenue Model
Company Description
Norion Bank AB provides financial solutions for corporate and private individuals with a focus on small and medium-sized companies in Sweden, Finland, Norway, and internationally. It operates through Corporate, Real estate, Consumer, and Payments ...
How the Company Makes Money
null...
Collector AB Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.34B | 5.48B | 5.62B | 4.97B | 3.70B | 3.00B |
| Gross Profit | 2.81B | 3.82B | 3.70B | 3.65B | 3.21B | 2.64B |
| EBITDA | 1.76B | 1.92B | 1.68B | 1.70B | 1.50B | 995.00M |
| Net Income | 1.33B | 1.44B | 1.26B | 1.29B | 1.14B | 753.00M |
Balance Sheet | ||||||
| Total Assets | 68.47B | 67.53B | 67.21B | 54.06B | 48.68B | 44.29B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 4.75B | 4.20B | 3.20B | 3.11B | 5.31B |
| Total Debt | 2.83B | 3.45B | 2.99B | 1.36B | 3.47B | 5.73B |
| Total Liabilities | 58.20B | 58.05B | 58.16B | 45.75B | 41.61B | 38.38B |
| Stockholders Equity | 10.27B | 9.48B | 9.05B | 8.30B | 7.07B | 5.92B |
Cash Flow | ||||||
| Free Cash Flow | -853.00M | 1.24B | -178.00M | 2.30B | 238.00M | -3.55B |
| Operating Cash Flow | -798.00M | 1.31B | -101.00M | 2.36B | 277.00M | -3.51B |
| Investing Cash Flow | -89.00M | -79.00M | -139.00M | -58.00M | -39.00M | -39.00M |
| Financing Cash Flow | -389.00M | -555.00M | 1.12B | -2.14B | -2.49B | 4.96B |
Collector AB Technical Analysis
Positive
61.00
Price Trends
57.41
Positive
62.43
Negative
63.73
Negative
Market Momentum
0.57
Negative
67.44
Neutral
94.87
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:NORION, the sentiment is Positive. The current price of 61 is above the 20-day moving average (MA) of 57.02, above the 50-day MA of 57.41, and below the 200-day MA of 63.73, indicating a neutral trend. The MACD of 0.57 indicates Negative momentum. The RSI at 67.44 is Neutral, neither overbought nor oversold. The STOCH value of 94.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:NORION.
Collector AB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | kr12.59B | 8.66 | 17.97% | 1.78% | 10.47% | 10.44% | |
59 Neutral | kr9.41B | 8.83 | ― | ― | -5.99% | 1.10% | |
49 Neutral | kr553.51M | -9.16 | -16.73% | ― | -6.97% | -141.68% | |
48 Neutral | kr4.85B | -3.46 | -11.59% | ― | -4.14% | 66.87% |
* Financial Sector Average
SE:NORION
Collector AB
54.00
14.15
35.51%
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SE:INTRUM
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.