SaveLend Group AB (YIELD) AI Stock Analysis

• Market Cap: €97.96M
• Dividend Yield: N/A
• Average Volume (3M): 58.71K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.25
• Revenue Growth: -15.41%
• EPS Growth: -85.25%
• Country: SE
• Employees: 65
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): -0.40
• Shares Outstanding: 57,286,015
• 10 Day Avg. Volume: 89,291
• 30 Day Avg. Volume: 58,708
• PEG Ratio: 0.56
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -5.54
• 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: 46 Neutral
• Price Target: kr1.50 ▼( -12.79% Downside)

SaveLend Group AB's stock is challenged by its negative profitability and cash flow issues, reflected in the low financial performance and valuation scores. While technical indicators suggest some short-term positive momentum, the lack of earnings visibility and unfavorable market conditions weigh heavily on the stock's outlook. Improving profitability and achieving consistent positive cash flows are critical for a higher score.

SaveLend Group AB Business Overview & Revenue Model

Company Description

SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in the peer-to-peer lending segment in Sweden, Poland, and Finland. It offers SaveLend, an investment platform that enables users to invest in various credit, such as invoice purchases, corporate loans, consumer loans, debt collection portfolios, and real estate loans; and Billecta, a billing platform that automates the companies' invoicing flow, as well as helps them to charge and get paid. The company was founded in 2014 and is based in Stockholm, Sweden.

How the Company Makes Money

SaveLend Group AB generates revenue primarily through its peer-to-peer lending platform, where it facilitates loans between investors and borrowers. The company earns money by charging service fees to both borrowers and investors. For borrowers, these fees are typically based on the loan amount and interest rates applied. For investors, the company may charge management or transaction fees for using the platform. Additionally, SaveLend Group AB may also generate revenue through partnerships with financial institutions or other fintech companies, enabling a broader range of financial products and services to be offered on their platform.

SaveLend Group AB Financial Statement Overview

Summary

SaveLend Group AB faces ongoing challenges with profitability and cash flow generation. While there are some positive signs, such as stable gross margins and reduced debt, the company needs to focus on improving its bottom line and cash flow management to achieve sustainable growth. The credit finance industry presents opportunities for revenue growth, but profitability remains a significant hurdle.

Income Statement

The company has shown fluctuating revenue performance over the years, with revenue decreasing in the most recent year. Gross profit margins have remained relatively stable, but the company continues to report negative EBIT and net income, reflecting ongoing challenges in achieving profitability. The net profit margin is negative, indicating continued losses, although the EBITDA margin shows slight improvement.

Balance Sheet

The debt-to-equity ratio suggests moderate leverage, with total debt decreasing in the latest year. However, stockholders' equity has decreased, affecting the equity ratio. The return on equity is negative due to persistent net losses. The company's balance sheet indicates moderate financial stability but also highlights the need for improved profitability.

Cash Flow

The company continues to face negative free cash flow, although there has been some improvement in operating cash flow. The free cash flow to net income ratio is not favorable due to ongoing losses. The cash flow situation highlights the company's struggle to generate positive cash flow from operations.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
146.05M	172.24M	152.80M	94.28M	56.40M
	Gross Profit
86.94M	88.31M	81.70M	57.12M	21.54M
	EBIT
-20.25M	-20.49M	-39.06M	-35.77M	-21.83M
	EBITDA
4.70M	3.69M	-4.88M	-16.34M	-4.77M
	Net Income Common Stockholders
-22.29M	-11.62M	-28.06M	-28.65M	-14.61M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
8.47M	16.22M	20.10M	23.19M	4.21M
	Total Assets
367.68M	304.99M	323.43M	293.86M	123.66M
	Total Debt
22.59M	38.82M	27.81M	49.19M	27.69M
	Net Debt
14.12M	22.60M	7.71M	26.00M	23.48M
	Total Liabilities
285.74M	212.74M	216.96M	214.02M	83.16M
	Stockholders Equity
81.94M	92.25M	106.47M	79.84M	40.50M
Cash Flow		Free Cash Flow
-9.20M	-11.71M	-26.88M	-33.13M	-16.92M
	Operating Cash Flow
5.33M	5.62M	-3.76M	-21.72M	-9.89M
	Investing Cash Flow
-24.82M	-20.29M	7.69M	-41.15M	-21.94M
	Financing Cash Flow
13.36M	10.79M	-7.01M	81.86M	26.01M

SaveLend Group AB Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:YIELD, the sentiment is Positive. The current price of 1.72 is above the 20-day moving average (MA) of 1.70, above the 50-day MA of 1.59, and below the 200-day MA of 1.99, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 54.98 is Neutral, neither overbought nor oversold. The STOCH value of 71.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:YIELD.

SaveLend Group AB Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.66B	9.81	7.67%	17015.07%	12.33%	-5.97%
YIELD	46 Neutral	€97.96M	―	-24.41%	―	-15.41%	-85.25%
9AI		€2.51M	100.00	2.15%	―	―	―
7EU		€8.97M	―	-24.32%	―	―	―
NORDIG		kr57.43M	―		―	―	―
2AI		€38.86M	―	-7.20%	―	―	―
LEA		kr1.28B	14.60		4.01%	―	―