Qliro AB (QLIRO) AI Stock Analysis

• Market Cap: kr678.64M
• Dividend Yield: N/A
• Average Volume (3M): 39.19K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.42
• Revenue Growth: -3.13%
• EPS Growth: -844.33%
• Country: SE
• Employees: 215
• Sector: Financial
• Sector Strength: 73
• Industry: Financial - Credit Services
• EPS (TTM): -0.65
• Shares Outstanding: 28,276,503
• 10 Day Avg. Volume: 56,412
• 30 Day Avg. Volume: 39,194
• PEG Ratio: 157.49
• Price to Book (P/B): 919.22
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -9.03
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: kr27.98
• Price Target Upside: 16.58% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 58 Neutral
• Price Target: ―

Qliro AB shows solid financial improvements and stability, particularly in cash flow and reduced leverage. However, its lack of operational profitability and negative valuation metrics pose significant risks. Technical indicators suggest a bearish trend with some potential for short-term recovery. These mixed factors result in an overall moderate stock score.

Qliro AB Business Overview & Revenue Model

Company Description

Qliro AB is a Sweden-based fintech company that specializes in providing digital financial services. The company operates primarily in the e-commerce sector, offering payment solutions, personal loans, and savings accounts. Its core product offerings include a comprehensive checkout solution for online merchants, enabling seamless and secure transactions for consumers and retailers alike.

How the Company Makes Money

Qliro AB generates revenue through multiple streams, primarily from transaction fees associated with its payment solutions and interest income from its financial products. The company charges merchants a fee for every transaction processed through its checkout system, which is a significant contributor to its earnings. Additionally, Qliro earns interest income from personal loans and savings accounts offered to consumers. Strategic partnerships with e-commerce platforms and financial institutions also play a crucial role in expanding its customer base and driving revenue growth.

Qliro AB Financial Statement Overview

Summary

Qliro AB is making strides in improving its financial position, with strong cash flow performance and reduced leverage. However, challenges remain in achieving operational profitability, as indicated by negative EBIT margins. The company demonstrates potential for future growth with improved cost management and financial stability.

Income Statement

Qliro AB experienced a decline in total revenue from 2023 to 2024, indicating a negative revenue growth rate. However, gross profit margin improved significantly to 83.15%, suggesting better cost management. Net profit margin remained low at 0.91%, and EBIT margin turned negative, reflecting operational challenges. Overall, while there are improvements in gross profit, the company struggles with profitability at the operational level.

Balance Sheet

The company has no total debt as of 2024, which is a positive indicator of financial stability. The equity ratio improved to 16.18%, and return on equity increased to 0.73%, indicating a better return on shareholders' investments. The balance sheet shows strengthening equity and reduced leverage, enhancing financial stability.

Cash Flow

Qliro AB achieved a significant turnaround in free cash flow to 304.6 million SEK in 2024 from a negative position in 2023, marking a robust free cash flow growth. The operating cash flow to net income ratio is strong at 106.39, indicating efficient cash generation relative to net income. These positive cash flow metrics highlight improved liquidity and operational efficiency.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	450.70M	499.10M	488.40M	437.10M	411.80M
Gross Profit	374.80M	263.50M	312.30M	263.70M	247.70M
EBITDA	137.40M	36.50M	-9.30M	45.80M	20.60M
Net Income	4.10M	-21.90M	-93.60M	-40.00M	-67.00M
Balance Sheet
Total Assets	3.45B	3.69B	4.20B	3.47B	3.20B
Cash, Cash Equivalents and Short-Term Investments	651.10M	566.10M	97.90M	354.00M	290.10M
Total Debt	0.00	131.00M	3.46B	572.30M	358.70M
Total Liabilities	2.90B	3.21B	3.73B	2.93B	2.61B
Stockholders Equity	559.20M	480.20M	470.50M	548.00M	588.00M
Cash Flow
Free Cash Flow	304.60M	-55.10M	831.60M	-89.20M	-204.50M
Operating Cash Flow	436.30M	-312.00M	923.30M	1.10M	-130.00M
Investing Cash Flow	-131.70M	-96.70M	-91.60M	-90.20M	-74.50M
Financing Cash Flow	-3.20M	-387.10M	11.60M	-8.20M	119.30M

Qliro AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:QLIRO, the sentiment is Positive. The current price of 24 is above the 20-day moving average (MA) of 23.72, above the 50-day MA of 21.74, and above the 200-day MA of 22.44, indicating a bullish trend. The MACD of 0.79 indicates Positive momentum. The RSI at 57.00 is Neutral, neither overbought nor oversold. The STOCH value of 45.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:QLIRO.

Qliro AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	kr124.56B	29.50	6.53%	3.73%	3.98%	-25.58%
QLIRO	58 Neutral	kr678.64M	―	-7.20%	―	-3.13%	-844.33%
YIELD	54 Neutral	kr132.90M	―	-24.41%	―	-15.41%	-85.25%
INTRUM	52 Neutral	kr6.66B	―	-13.03%	―	-10.09%	-1.04%
BTCX	52 Neutral	kr39.61M	130.77	2.15%	―	214.33%	―