SaveLend Group AB (YIELD) AI Stock Analysis

• Market Cap: kr139.21M
• Dividend Yield: N/A
• Average Volume (3M): 70.24K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.08
• Revenue Growth: -15.41%
• EPS Growth: -85.25%
• Country: SE
• Employees: 65
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 57,286,015
• 10 Day Avg. Volume: 173,482
• 30 Day Avg. Volume: 70,237
• PEG Ratio: 0.56
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -5.55
• 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: kr1.45
• Price Target Upside: -32.42% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 54 Neutral
• Price Target: kr2.50 ▲(16.28%Upside)

The company's stock is primarily challenged by its poor financial performance and valuation, with ongoing losses and negative cash flow. Strong technical momentum offers some positive outlook, but high RSI cautions against potential overbought conditions.

SaveLend Group AB Business Overview & Revenue Model

Company Description

SaveLend Group AB (YIELD) is a fintech company that operates in the financial services sector. The company specializes in providing a digital platform for investments and lending, primarily focusing on peer-to-peer lending solutions. SaveLend Group offers a marketplace where individuals and institutional investors can invest in loans to businesses and consumers, leveraging technology to enhance accessibility, transparency, and efficiency in the lending process.

How the Company Makes Money

SaveLend Group AB generates revenue primarily through fees associated with its lending platform. The company charges service fees to both borrowers and investors. Borrowers pay origination fees for the loans they secure through the platform, while investors are charged management or transaction fees based on their investment activities. Additionally, SaveLend might earn interest income from any loans held on its balance sheet. Partnerships with financial institutions and other strategic alliances may also contribute to its revenue streams by expanding its platform's reach and capabilities.

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
EBITDA	4.70M	3.69M	-4.88M	-16.34M	-4.77M
Net Income	-22.29M	-11.62M	-28.06M	-28.65M	-14.61M
Balance Sheet
Total Assets	367.68M	304.99M	323.43M	293.86M	123.66M
Cash, Cash Equivalents and Short-Term Investments	8.47M	16.22M	20.10M	23.19M	4.21M
Total Debt	22.59M	38.82M	27.81M	49.19M	27.69M
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: 2.15
• 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:YIELD, the sentiment is Positive. The current price of 2.15 is above the 20-day moving average (MA) of 1.88, above the 50-day MA of 1.77, and above the 200-day MA of 1.87, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 80.74 is Negative, neither overbought nor oversold. The STOCH value of 87.96 is Negative, 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 *	65 Neutral	kr115.55B	28.08	6.10%	3.79%	14.35%	-15.23%
QLIRO	58 Neutral	kr692.77M	―	-7.20%	―	-3.13%	-844.33%
YIELD	54 Neutral	kr139.21M	―	-24.41%	―	-15.41%	-85.25%
BTCX	52 Neutral	kr40.16M	130.77	2.15%	―	214.33%	―