Resurs Holding AB (RESURS) AI Stock Analysis

• Market Cap: kr6.00B
• Dividend Yield: N/A
• Average Volume (3M): 19.91K
• Price to Earnings (P/E): 58.9
• Beta (1Y): 0.37
• Revenue Growth: -1.57%
• EPS Growth: N/A
• Country: SE
• Employees: 718
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.64
• Shares Outstanding: 200,000,000
• 10 Day Avg. Volume: 26,954
• 30 Day Avg. Volume: 19,907
• PEG Ratio: -0.54
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 0.90
• P/FCF Ratio: 1.79
• 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: kr32.00
• Price Target Upside: 6.67% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: kr32.00 ▲(6.67% Upside)

The overall stock score is primarily influenced by the company's stable technical indicators, which are offset by weak financial performance and high valuation concerns. The lack of earnings call data and corporate events means these factors did not impact the score.

Resurs Holding AB Business Overview & Revenue Model

Company Description

Resurs Holding AB (publ), through its subsidiaries, provides payment solutions and consumer loans in Sweden, Norway, Finland, and Denmark. The company's payment solutions comprise retail finance, which includes sales-driving finance, and payment and loyalty solutions; credit cards for retail finance partners; and factoring services. It also offers unsecured loans to consumers. Resurs Holding AB (publ) was founded in 1977 and is headquartered in Helsingborg, Sweden.

How the Company Makes Money

Resurs Holding AB generates revenue through multiple key streams, primarily from interest income on consumer loans and credit products, fees from payment solutions, and commissions from retail partners. The company earns interest on the financing it provides to consumers, while also charging fees associated with credit card transactions and payment processing. Additionally, Resurs collaborates with various retail partners to offer tailored financing solutions, which can lead to increased sales for those retailers and a share of the resultant fees for Resurs. The company's strategic partnerships and its ability to provide customized financial solutions significantly contribute to its overall earnings.

Resurs Holding AB Financial Statement Overview

Summary

Resurs Holding AB faces challenges in revenue growth and cash flow management, despite maintaining a stable balance sheet. The income statement shows declining revenue and profit margins, while the cash flow statement reveals significant issues with a negative free cash flow growth rate. The balance sheet is stable, but overall financial performance needs improvement.

Income Statement

The income statement shows a mixed performance. The TTM data indicates a decline in revenue growth rate at -1.91%, and a decrease in gross profit margin to 63.25% from 68.27% in the previous year. Net profit margin also decreased to 3.34% from 3.84%. However, the EBIT and EBITDA margins remain relatively stable, indicating some operational efficiency. The company needs to address declining revenue and profitability margins to improve its financial health.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.77, showing a manageable level of leverage. The return on equity is modest at 2.23%, indicating limited profitability from shareholders' equity. The equity ratio is healthy, suggesting a strong capital structure. However, the company should focus on improving ROE to enhance shareholder value.

Cash Flow

The cash flow statement reveals significant challenges, with a negative free cash flow growth rate of -651.53% in the TTM period. The operating cash flow to net income ratio is negative, indicating cash flow issues. Despite a free cash flow to net income ratio of 1.05, the overall cash flow position is concerning and requires immediate attention to ensure liquidity and operational sustainability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.18B	5.22B	2.05B	3.20B	3.07B	3.85B
Gross Profit	3.28B	3.56B	834.45M	2.69B	2.65B	3.34B
EBITDA	714.66M	634.37M	984.93M	1.33B	1.39B	1.49B
Net Income	172.96M	200.38M	257.86M	797.47M	1.52B	953.66M
Balance Sheet
Total Assets	50.34B	54.15B	51.37B	47.80B	42.96B	41.45B
Cash, Cash Equivalents and Short-Term Investments	2.91B	4.76B	3.60B	231.61M	215.59M	208.52M
Total Debt	5.97B	5.35B	6.29B	6.98B	8.55B	7.00B
Total Liabilities	42.62B	46.40B	43.74B	40.23B	35.76B	33.48B
Stockholders Equity	7.72B	7.74B	7.63B	7.57B	7.20B	7.98B
Cash Flow
Free Cash Flow	-1.47B	2.64B	1.88B	2.29B	405.52M	1.41B
Operating Cash Flow	-1.41B	2.75B	2.13B	2.49B	518.85M	1.48B
Investing Cash Flow	-60.95M	-2.41B	-254.39M	-199.41M	-113.06M	-67.73M
Financing Cash Flow	997.89M	2.61B	-719.32M	-2.06B	-160.77M	-1.39B

Resurs Holding AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 30 is above the 20-day moving average (MA) of 28.15, above the 50-day MA of 28.17, and above the 200-day MA of 25.28, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 63.12 is Neutral, neither overbought nor oversold. The STOCH value of 96.55 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NORION	72 Outperform	13.53B	9.71	―	―	4.14%	10.95%
HOFI	70 Neutral	8.74B	9.59	―	2.00%	23.24%	6.30%
TFBANK	65 Neutral	11.92B	5.99	22.81%	―	18.25%	56.05%
RESURS	61 Neutral	kr6.00B	58.88	1.44%	―	-1.57%	―
QLIRO	58 Neutral	558.46M	-5.20	-3.92%	―	-15.87%	-923.23%
INTRUM	46 Neutral	5.83B	-3.43	-13.35%	―	-10.09%	-1.04%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Resurs Holding AB Corporate Events

Resurs Holding AB Calls for Extraordinary General Meeting

Resurs Holding AB has announced an Extraordinary General Meeting (EGM) at the request of Ronneby UK Limited, which holds a significant majority of the company’s shares. The meeting, scheduled for 18 September 2025, will address key resolutions including the composition and remuneration of the Board of Directors, with Ronneby proposing an eight-member board.

The most recent analyst rating on (SE:RESURS) stock is a Hold with a SEK30.00 price target. To see the full list of analyst forecasts on Resurs Holding AB stock, see the SE:RESURS Stock Forecast page.

Resurs Holding to Release Q2 2025 Interim Report

Resurs Holding announced that its interim report for the second quarter of 2025 will be published on July 18. The company will not hold a webcast telephone conference, but the CEO and CFO will be available for digital meetings with analysts, investors, and the media on the report day. This announcement indicates Resurs’s commitment to transparency and engagement with stakeholders, potentially impacting investor relations and market perceptions.