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SaveLend Group AB
(YIELD)
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Rating:50Neutral
Price Target:
kr2.00
▲(2.04% Upside)
Action:Reiterated
Date:08/06/26
The score is held back primarily by weak financial performance—shrinking revenue, ongoing losses, and persistently negative free cash flow despite improved operating cash flow. Technical indicators are broadly neutral with only mild bearish signals. Valuation is a relative positive due to the low P/E, but it does not fully offset the profitability and cash burn concerns.
Positive Factors
Improved Operating Cash Flow
Positive and improving operating cash flow indicates that core activities are generating liquidity, which can support operations and reduce immediate reliance on external funding, although investment-related cash needs remain a constraint.
Negative Factors
Three-Year Revenue Contraction
Sustained revenue contraction indicates weakening scale or demand across the credit-services model. Without renewed origination, servicing, or interest-income growth, fixed costs may remain difficult to absorb and the path to durable profitability is impaired.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Operating Cash Flow
Positive and improving operating cash flow indicates that core activities are generating liquidity, which can support operations and reduce immediate reliance on external funding, although investment-related cash needs remain a constraint.
Read all positive factors
SaveLend Group AB (YIELD) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr95.95M
Dividend YieldN/A
Average Volume (3M)22.17K
Price to Earnings (P/E)5.8
Beta (1Y)-0.29
Revenue GrowthN/A
EPS GrowthN/A
CountrySE
Employees67
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.25
Shares Outstanding57,286,015
10 Day Avg. Volume27,431
30 Day Avg. Volume22,170
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.55
Price to Sales (P/S)1.02
P/FCF Ratio-20.85
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)0.18
Revenue Forecast (FY)kr220.00M
SaveLend Group AB Business Overview & Revenue Model
Company Description
SaveLend Group AB (publ) is a financial technology company that, through its various subsidiaries, specializes in the peer-to-peer lending sector across Sweden, Poland, and Finland. Among its key offerings is SaveLend, an investment platform that ...
How the Company Makes Money
SaveLend Group AB makes money primarily by generating income from credit and lending activities and from fees linked to originating and servicing loans. Key revenue streams typically include: (1) Interest income and/or net interest income earned o...
SaveLend Group AB Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
52
Neutral
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 107.48M | 111.77M | 129.22M | 152.80M | 94.28M |
| Gross Profit | 30.73M | 76.05M | 72.47M | 96.54M | 57.12M |
| EBITDA | -28.00K | -1.54M | -2.26M | -4.88M | -18.73M |
| Net Income | -15.86M | -22.29M | -11.62M | -28.06M | -28.65M |
Balance Sheet | |||||
| Total Assets | 392.20M | 367.68M | 304.99M | 323.43M | 293.86M |
| Cash, Cash Equivalents and Short-Term Investments | 197.96M | 8.47M | 16.22M | 20.10M | 23.19M |
| Total Debt | 35.39M | 22.59M | 38.82M | 27.81M | 49.19M |
| Total Liabilities | 309.75M | 285.74M | 212.74M | 216.96M | 214.02M |
| Stockholders Equity | 70.92M | 81.94M | 92.25M | 106.47M | 79.84M |
Cash Flow | |||||
| Free Cash Flow | -5.28M | -9.20M | -11.71M | -26.88M | -33.13M |
| Operating Cash Flow | 1.27M | 5.33M | 5.62M | -3.76M | -21.72M |
| Investing Cash Flow | -6.26M | -24.82M | -20.29M | 7.69M | -41.15M |
| Financing Cash Flow | 7.15M | 13.36M | 10.79M | -7.01M | 81.86M |
SaveLend Group AB Technical Analysis
Negative
1.96
Price Trends
1.75
Negative
1.72
Negative
1.76
Negative
Market Momentum
-0.02
Positive
43.73
Neutral
37.58
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:YIELD, the sentiment is Negative. The current price of 1.96 is above the 20-day moving average (MA) of 1.75, above the 50-day MA of 1.75, and above the 200-day MA of 1.76, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 43.73 is Neutral, neither overbought nor oversold. The STOCH value of 37.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:YIELD.
SaveLend Group AB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | kr12.99B | 17.21 | 22.19% | 3.29% | 17.46% | 13.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | kr18.46B | 13.57 | 22.14% | 1.78% | 12.14% | 55.77% | |
53 Neutral | kr617.14M | -9.04 | -8.50% | ― | 12.07% | 47.22% | |
50 Neutral | kr95.95M | 5.79 | 21.87% | ― | ― | ― | |
44 Neutral | kr11.43B | -1.31 | -14.99% | ― | -4.01% | 50.66% |
* Financial Sector Average
SE:YIELD
SaveLend Group AB
1.68
-0.45
-21.36%
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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.