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TF Bank AB (SE:TFBANK)
:TFBANK
TFBANK Stock Chart & Stats
kr170.78
-kr4.00(-1.07%)
At close: 4:00 PM EST
kr170.78
-kr4.00(-1.07%)
Day’s Range― - ―
52-Week Rangekr100.00 - kr190.00
Previous CloseN/A
Volume1.16K
Average Volume (3M)88.78K
Market Cap
kr9.91B
Enterprise Valuekr10.28B
Total Cash (Recent Filing)kr17.58M
Total Debt (Recent Filing)kr394.84M
Price to Earnings (P/E)8.2
Beta0.32
Next Earnings
Apr 14, 2026EPS Estimate
2.84Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.83
Shares Outstanding64,650,000
10 Day Avg. Volume104,991
30 Day Avg. Volume88,783
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSustained 18.1% revenue growth in 2025 indicates durable demand for TF Bank’s consumer lending products across its Nordic markets. Persistent top-line expansion supports scale economics, underwriting data accumulation and reinvestment capacity, strengthening medium-term earnings power and product development.
Conservative Balance SheetMaterial deleveraging to a 0.12 debt-to-equity ratio enhances financial flexibility and resilience to credit cycles. Lower leverage reduces refinancing and regulatory strain, enabling sustained lending capacity and capacity to absorb asset-quality shocks while preserving capital for growth or distributions over the next several quarters.
Strong Historical ProfitabilityAbove-average margins and historically high ROE reflect attractive unit economics in TF Bank’s consumer lending model. Persistent mid-teens net margins and prior ROEs near 20% imply long-run ability to convert loan spreads into shareholder returns, supporting retained earnings and strategic investments over time.
Bears Say
Volatile Cash GenerationPronounced cash-flow swings undermine predictability of internal funding. Large negative operating cash flow in 2024 followed by recovery in 2025 indicates earnings quality and working-capital volatility that can complicate loan funding, capital planning, and dividend policy, increasing funding and execution risk.
Flat Net Income Vs RevenueWhen revenue rises but net income remains flat, it suggests pressure from rising credit costs, provisions, or operating expenses. This reduces the calibre of growth and limits retained-earnings accumulation, constraining capital for new lending or buffers and raising sensitivity to future margin shocks.
Margin Normalization TrendA multi-year decline in net margins signals structural headwinds—competitive pressure, funding cost increases or higher credit loss allowances—that can erode long-term profitability. Continued margin compression would impair return on equity and reduce the bank’s ability to self-finance growth or absorb macroeconomic stress.
TF Bank AB News
TFBANK FAQ
What was TF Bank AB’s price range in the past 12 months?
TF Bank AB lowest stock price was kr100.00 and its highest was kr190.00 in the past 12 months.
What is TF Bank AB’s market cap?
TF Bank AB’s market cap is kr9.91B.
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 47 days.
How were TF Bank AB’s earnings last quarter?
TF Bank AB released its earnings results on Jan 20, 2026. The company reported kr2.83 earnings per share for the quarter, beating the consensus estimate of kr2.71 by kr0.12.
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 pays a Notavailable dividend of kr1.667 which represents an annual dividend yield of N/A. See more information on TF Bank AB dividends here
What is TF Bank AB’s EPS estimate?
TF Bank AB’s EPS estimate is 2.84.
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 kr2.83 in its last earnings report, beating expectations of kr2.71. Following the earnings report the stock price went up 4.028%.
Which hedge fund is a major shareholder of TF Bank AB?
Currently, no hedge funds are holding shares in SE:TFBANK
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.
Technical Analysis
Options Prices
Currently, No data available
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