TF Bank AB (TFBANK) AI Stock Analysis

• Market Cap: kr8.99B
• Dividend Yield: N/A
• Average Volume (3M): 11.06K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.38
• Revenue Growth: 23.77%
• EPS Growth: 58.98%
• Country: SE
• Employees: 443
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 6.72
• Shares Outstanding: 21,550,000
• 10 Day Avg. Volume: 15,998
• 30 Day Avg. Volume: 11,061
• PEG Ratio: 0.51
• Price to Book (P/B): 2.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.80
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 65 Neutral
• Price Target: ―

TF Bank AB's stock score is driven by a strong balance sheet with no debt and robust equity, underscoring financial stability. However, challenges in cash flow management present some risks, which are crucial for sustaining growth. Technical analysis shows mixed signals with short-term weaknesses but longer-term support. Valuation metrics suggest the stock is fairly valued, adding moderate investment appeal. The absence of recent earnings call and corporate events data limits insight into immediate prospects.

TF Bank AB Business Overview & Revenue Model

Company Description

TF Bank AB (TFBANK) is a Swedish financial institution that operates primarily in the consumer banking sector. The company provides a range of financial services, including unsecured personal loans, credit cards, and savings accounts, primarily targeting individual consumers across several European countries. TF Bank distinguishes itself by leveraging digital platforms to deliver its services, thereby optimizing efficiency and customer reach.

How the Company Makes Money

TF Bank AB generates revenue through interest income from its lending activities, particularly from unsecured personal loans and credit cards. The company earns interest from borrowers who take out loans or carry balances on their credit cards. Additionally, TF Bank may generate fee income from account maintenance fees, late payment fees, and other service-related charges. The bank's focus on digital platforms helps it minimize operational costs and expand its customer base across various European markets, increasing its loan portfolio and, consequently, its interest income. Strategic partnerships with retailers and other financial institutions can also contribute to its revenue by expanding its service offerings and customer access.

TF Bank AB Financial Statement Overview

Summary

TF Bank AB presents a mixed financial picture. The income statement shows strong revenue growth and profitability, although with some fluctuations in net profit margins. The balance sheet is a highlight, featuring no debt and robust equity, which provides financial stability and resilience. However, the cash flow statement indicates challenges in cash generation, with negative operating and free cash flows in recent periods. The company's overall financial health is solid, but attention to cash flow management is needed to sustain long-term growth and stability.

Income Statement

TF Bank AB shows strong revenue growth, particularly in the most recent period with a TTM (Trailing-Twelve-Months) revenue increase. The gross profit margin remains robust, indicating efficient cost management relative to revenue. However, the net profit margin has seen slight fluctuations, suggesting some volatility in bottom-line profitability. The EBIT margin is healthy, showcasing solid operational efficiency, although the EBITDA margin is less informative due to significant amortization and depreciation charges. Overall, the income statement reflects strong revenue growth and profitability, albeit with some volatility in net income.

Balance Sheet

The balance sheet of TF Bank AB is notably strong with no current debt, resulting in a debt-to-equity ratio of zero, which is highly favorable. The equity ratio has improved, reflecting a robust capital base relative to total assets. Return on Equity (ROE) is strong, demonstrating effective use of equity to generate profits. High levels of cash and equivalents further strengthen the financial position, enhancing liquidity and reducing financial risk. Overall, the balance sheet is characterized by low leverage and strong equity, which enhances financial stability.

Cash Flow

TF Bank AB's cash flow statement reveals some challenges, particularly with negative operating cash flow in the TTM (Trailing-Twelve-Months) period, which could indicate issues with cash generation from core operations. The free cash flow is also negative, pointing to potential cash constraints. However, the company has previously demonstrated the ability to generate positive free cash flow, suggesting some resilience. The operating cash flow to net income ratio is unfavorable, which could reflect timing issues or operational inefficiencies. Overall, the cash flow position indicates pressure on cash generation, but historical performance shows some capacity to recover.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.60B	2.41B	1.34B	1.39B	1.04B	864.58M
Gross Profit	3.05B	2.44B	2.65B	1.39B	1.04B	864.58M
EBITDA	200.55M	0.00	570.07M	473.13M	381.20M	283.31M
Net Income	654.81M	632.35M	396.70M	342.46M	277.21M	202.72M
Balance Sheet
Total Assets	25.09B	25.07B	23.95B	18.35B	13.39B	10.22B
Cash, Cash Equivalents and Short-Term Investments	17.73M	18.56M	5.74B	57.69M	1.28B	1.10B
Total Debt	0.00	0.00	651.35M	273.46M	251.62M	292.20M
Total Liabilities	22.18B	22.30B	21.79B	16.61B	11.96B	9.13B
Stockholders Equity	2.91B	2.77B	1.91B	1.73B	1.43B	1.08B
Cash Flow
Free Cash Flow	-275.12M	-1.63B	761.35M	999.85M	188.22M	336.02M
Operating Cash Flow	-220.00M	-1.55B	852.86M	1.05B	225.23M	361.58M
Investing Cash Flow	18.77M	4.48M	-107.80M	-47.85M	-37.03M	-25.56M
Financing Cash Flow	-198.46M	-29.13M	4.72B	-36.35M	2.81B	1.55B

TF Bank AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 414.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:TFBANK, the sentiment is Positive. The current price of 414.5 is above the 20-day moving average (MA) of 368.26, above the 50-day MA of 363.59, and above the 200-day MA of 347.64, indicating a bullish trend. The MACD of 9.24 indicates Negative momentum. The RSI at 76.04 is Negative, neither overbought nor oversold. The STOCH value of 92.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:TFBANK.

TF Bank AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NORION	72 Outperform	kr10.82B	8.18		―	8.78%	7.15%
HOFI	70 Neutral	kr7.65B	8.39	16.80%	2.28%	33.39%	67.61%
RESURS	68 Neutral	kr5.24B	34.11	-0.06%	―	3.75%	-105.59%
Sector *	65 Neutral	kr116.13B	24.38	6.10%	4.17%	14.34%	-72.17%
TFBANK	65 Neutral	kr8.99B	14.06	26.39%	―	23.77%	58.98%
QLIRO	58 Neutral	kr572.66M	―	-7.20%	―	-3.13%	-844.33%
YIELD	49 Neutral	kr96.81M	―	-24.41%	―	-15.41%	-85.25%