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Resurs Holding AB (SE:RESURS)
:RESURS

Resurs Holding AB (RESURS) AI Stock Analysis

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Resurs Holding AB

(LSE:RESURS)

Rating:68Neutral
Price Target:
kr29.00
▲(12.62%Upside)
The overall stock score is primarily driven by solid financial performance in terms of revenue growth and cash flow management, supported by bullish technical indicators. However, the valuation is drastically lowered due to a negative P/E ratio and lack of dividend yield, indicating significant profitability concerns.

Resurs Holding AB (RESURS) vs. iShares MSCI Sweden ETF (EWD)

Resurs Holding AB Business Overview & Revenue Model

Company DescriptionResurs Holding AB (RESURS) is a Nordic financial institution that specializes in providing lending and payment solutions. The company operates primarily in the consumer credit market, offering products such as personal loans, credit cards, and installment payment solutions. Resurs Holding serves customers across Sweden, Denmark, Norway, and Finland, leveraging its expertise to cater to both private individuals and retail partners.
How the Company Makes MoneyResurs Holding AB generates revenue primarily through interest income and fees associated with its lending and payment solutions. The company earns interest from consumer loans and credit cards, which constitute a significant portion of its income. Additionally, Resurs derives revenue from service fees and commissions related to its payment solutions, which include installment payment plans offered to retail businesses. The company has also established partnerships with retailers to provide financing options at the point of sale, further enhancing its revenue streams. The combination of interest income, service fees, and strategic retail partnerships forms the backbone of Resurs Holding's business model.

Resurs Holding AB Financial Statement Overview

Summary
Resurs Holding AB presents solid revenue growth and cash flow management, but profitability pressures and leverage challenges persist. The company remains moderately stable but needs to focus on improving net income and return on equity for enhanced financial strength.
Income Statement
72
Positive
Resurs Holding AB shows a moderate performance with a stable gross profit margin and a slight increase in total revenue over the TTM compared to the previous period. However, the net profit margin has decreased significantly, indicating pressure on profitability.
Balance Sheet
65
Positive
The balance sheet reflects moderate financial health. The debt-to-equity ratio is stable, but the equity ratio is slightly low, suggesting higher leverage. The return on equity has decreased, indicating challenges in generating returns for shareholders.
Cash Flow
78
Positive
Cash flow performance is strong with a positive free cash flow growth rate and good operating cash flow to net income ratio. This indicates effective cash management despite a decrease in net income.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue5.27B5.22B2.05B3.20B3.07B3.85B
Gross Profit3.19B3.56B834.45M2.69B2.65B3.34B
EBITDA600.04M634.37M984.93M1.33B1.39B1.49B
Net Income67.81M200.38M257.86M797.47M1.52B953.66M
Balance Sheet
Total Assets51.01B54.15B51.37B47.80B42.96B41.45B
Cash, Cash Equivalents and Short-Term Investments3.52B5.22B3.60B231.61M215.59M208.52M
Total Debt5.98B5.35B6.29B6.98B8.55B7.00B
Total Liabilities43.41B46.40B43.74B40.23B35.76B33.48B
Stockholders Equity7.60B7.14B7.63B7.57B7.20B7.98B
Cash Flow
Free Cash Flow266.68M2.64B1.88B2.29B405.52M1.41B
Operating Cash Flow352.11M2.75B2.13B2.49B518.85M1.48B
Investing Cash Flow-81.48M-115.93M-254.39M-199.41M-113.06M-67.73M
Financing Cash Flow366.90M-1.05B-719.32M-2.06B-160.77M-1.39B

Resurs Holding AB Technical Analysis

Technical Analysis Sentiment
Positive
Last Price25.75
Price Trends
50DMA
25.19
Positive
100DMA
24.40
Positive
200DMA
23.96
Positive
Market Momentum
MACD
0.16
Positive
RSI
52.42
Neutral
STOCH
51.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:RESURS, the sentiment is Positive. The current price of 25.75 is below the 20-day moving average (MA) of 25.96, above the 50-day MA of 25.19, and above the 200-day MA of 23.96, indicating a bullish trend. The MACD of 0.16 indicates Positive momentum. The RSI at 52.42 is Neutral, neither overbought nor oversold. The STOCH value of 51.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:RESURS.

Resurs Holding AB Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
kr10.82B8.18
8.78%7.15%
70
Neutral
kr7.61B8.3416.80%2.30%33.39%67.61%
68
Neutral
kr5.24B34.11-0.06%3.75%-105.59%
65
Neutral
kr115.64B24.216.10%4.18%14.34%-72.17%
65
Neutral
€8.87B14.1526.39%23.77%58.98%
59
Neutral
kr7.24B-23.48%-9.54%-905.07%
58
Neutral
kr575.23M-7.20%-3.13%-844.33%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SE:RESURS
Resurs Holding AB
26.55
3.59
15.64%
SE:INTRUM
Intrum Justitia AB
63.48
29.08
84.53%
SE:HOFI
Hoist Finance AB
87.55
35.87
69.40%
SE:NORION
Collector AB
53.70
9.40
21.22%
SE:QLIRO
Qliro AB
22.20
-3.21
-12.62%
SE:TFBANK
TF Bank AB
414.50
170.88
70.14%

Resurs Holding AB Corporate Events

Resurs Holding Reaffirms Leadership and Strategic Initiatives at AGM
May 27, 2025

At its Annual General Meeting, Resurs Holding AB re-elected its Board members and appointed Lennart Jacobsen as Chairman. The meeting approved the 2024 Annual Report, discharged the Board and CEO from liability for the financial year, and authorized the Board to manage acquisitions and share issues. These resolutions reflect the company’s strategic focus on maintaining strong governance and financial oversight, potentially impacting its market positioning and stakeholder confidence.

Resurs Holding Announces IT Investment Impairment and New Financial Targets
May 6, 2025

Resurs Holding has announced an impairment of 326 MSEK on its IT investments due to a new strategic direction and rapid digital development, impacting its first-quarter results. Despite this, the company’s operating profit increased by 34% compared to the previous quarter, and new financial targets have been set, including maintaining capital ratios above regulatory requirements and distributing up to 50% of net profit.

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.Date of analysis: Jun 20, 2025