SaveLend Group AB (YIELD) AI Stock Analysis

• Market Cap: kr116.86M
• Dividend Yield: N/A
• Average Volume (3M): 21.38K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.23
• 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: 21,775
• 30 Day Avg. Volume: 21,381
• PEG Ratio: -0.07
• Price to Book (P/B): 1.47
• Price to Sales (P/S): 1.08
• P/FCF Ratio: -13.08
• 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
• EPS Forecast (FY): -0.56
• Revenue Forecast (FY): kr1.80B

• Rating: 49 Neutral
• Price Target: kr2.00 ▲(2.04% Upside)

The overall stock score is primarily impacted by the company's financial performance, which shows ongoing challenges in profitability and cash flow. Technical analysis provides some positive signals with short-term bullish momentum, but valuation remains unattractive due to negative earnings. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Stable Gross Margins

Stable gross margins indicate effective cost management, which can help the company maintain profitability once revenue growth resumes.

Reduced Debt

Reduced debt levels enhance financial flexibility and reduce interest obligations, supporting long-term financial health.

Improved Operating Cash Flow

Improved operating cash flow suggests better cash management, which is crucial for sustaining operations and funding growth initiatives.

Negative Factors

Negative Free Cash Flow

Persistent negative free cash flow indicates challenges in covering operational expenses and investing in growth without external financing.

Decreasing Revenue

Decreasing revenue highlights challenges in market demand or competitive positioning, which could impact long-term growth prospects.

Negative Net Income

Ongoing net losses reflect difficulties in achieving profitability, which could strain resources and limit strategic investments.

SaveLend Group AB Business Overview & Revenue Model

Company Description

SaveLend Group AB (YIELD) is a financial technology company specializing in the provision of innovative lending solutions. Operating primarily in the fintech sector, the company focuses on creating efficient and transparent lending platforms that connect borrowers with lenders. YIELD offers a variety of products including personal loans, business loans, and peer-to-peer lending services, leveraging technology to streamline the borrowing process and enhance user experience.

How the Company Makes Money

SaveLend Group AB generates revenue through various channels, primarily by charging interest on the loans they provide to borrowers. The company earns a spread between the interest rates it charges borrowers and the rates it pays to lenders. Additionally, YIELD may charge origination fees for processing loan applications, further contributing to its revenue. The company has also established partnerships with financial institutions and investors that provide funding, which can enhance its lending capacity and profitability. By utilizing technology to reduce operational costs and improve efficiency, SaveLend can maintain competitive pricing while increasing its market share.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	116.65M	111.77M	129.22M	152.80M	94.28M	56.40M
Gross Profit	57.36M	76.05M	72.47M	96.54M	57.12M	39.55M
EBITDA	2.01M	-1.54M	-2.26M	-4.88M	-18.73M	-6.58M
Net Income	-25.28M	-22.29M	-11.62M	-28.06M	-28.65M	-14.61M
Balance Sheet
Total Assets	355.34M	367.68M	304.99M	323.43M	293.86M	123.66M
Cash, Cash Equivalents and Short-Term Investments	8.52M	8.47M	16.22M	20.10M	23.19M	4.21M
Total Debt	19.51M	22.59M	38.82M	27.81M	49.19M	27.69M
Total Liabilities	266.65M	285.74M	212.74M	216.96M	214.02M	83.16M
Stockholders Equity	77.61M	81.94M	92.25M	106.47M	79.84M	40.50M
Cash Flow
Free Cash Flow	-1.33M	-9.20M	-11.71M	-26.88M	-33.13M	-16.92M
Operating Cash Flow	2.24M	5.33M	5.62M	-3.76M	-21.72M	-9.89M
Investing Cash Flow	-6.13M	-24.82M	-20.29M	7.69M	-41.15M	-21.94M
Financing Cash Flow	323.00K	13.36M	10.79M	-7.01M	81.86M	26.01M

SaveLend Group AB Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.96
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 Negative. The current price of 1.96 is above the 20-day moving average (MA) of 1.95, below the 50-day MA of 1.97, and above the 200-day MA of 1.82, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 37.70 is Neutral, neither overbought nor oversold. The STOCH value of 66.26 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TFBANK	72 Outperform	€11.64B	6.69	26.88%	―	15.59%	24.31%
HOFI	70 Neutral	kr8.59B	9.53	15.75%	1.99%	19.81%	5.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
QLIRO	56 Neutral	kr492.01M	―	-16.73%	―	-11.93%	-821.71%
YIELD	49 Neutral	kr116.86M	―	―	―	-15.41%	-85.25%