SaveLend Group AB (YIELD) AI Stock Analysis

• Market Cap: kr89.65M
• Dividend Yield: N/A
• Average Volume (3M): 22.17K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.44
• Revenue Growth: -15.41%
• EPS Growth: -85.25%
• Country: SE
• Employees: 65
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.04
• Shares Outstanding: 57,286,015
• 10 Day Avg. Volume: 27,431
• 30 Day Avg. Volume: 22,170
• PEG Ratio: 0.23
• Price to Book (P/B): 1.55
• Price to Sales (P/S): 1.02
• P/FCF Ratio: -20.85
• 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): 0.18
• Revenue Forecast (FY): kr220.00M

• Rating: 42 Neutral
• Price Target: kr1.50 ▼(-23.47% Downside)
• Action: Reiterated Date: 03/05/26
• Date: Action: Reiterated 03/05/26

The score is driven primarily by weak financial performance (shrinking revenue, ongoing losses, and persistently negative free cash flow despite improved operating cash flow). Technicals add modest pressure due to a negative MACD and the stock trading below key longer-term moving averages, while valuation offers limited support given the negative P/E and no stated dividend yield.

Positive Factors

Operating cash flow improvement

Sustained positive operating cash flow indicates the core credit servicing and origination activities are beginning to generate cash. That durable cash conversion reduces immediate liquidity pressure, supports working capital needs and lowers short-term refinancing urgency even if FCF remains negative.

Balance-sheet cushion

A moderate leverage profile with equity remaining positive provides a structural buffer against shocks and supports continued access to credit markets. This capital cushion improves resilience to losses and gives management time to execute recovery or restructuring plans without immediate insolvency risk.

Improving operating performance in 2025

A smaller operating loss and less negative net margin signal that cost controls, pricing or credit trends are beginning to stabilize. If sustained, this structural improvement can lower ongoing funding needs and create a clearer path toward breakeven and eventual profitability over the coming quarters.

Negative Factors

Shrinking revenue

Multi-year revenue decline undermines scale economics and market positioning. Persistent top-line contraction constrains ability to cover fixed costs, weakens bargaining with funding partners, and limits the runway to invest in product or customer acquisition needed to reaccelerate growth.

Persistently negative margins

Ongoing negative operating and net margins, plus a falling gross margin, indicate deteriorating unit economics or rising credit costs. Structural unprofitability erodes equity over time, reduces reinvestment capacity and requires sustained corrective action to restore healthy margins.

Negative free cash flow and funding risk

Sustained negative free cash flow requires external financing to sustain operations or growth. This elevates refinancing and dilution risk, and if market conditions tighten, it could force hasty capital raises, higher borrowing costs, or cuts to strategic investments that impair long-term competitiveness.

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

Financials are weak overall: revenue has contracted for three straight years and the company remains loss-making with negative operating and net margins. The balance sheet is moderate but deteriorated in 2025 with higher debt-to-equity and persistently negative ROE. Operating cash flow improved and turned positive, but free cash flow remains meaningfully negative, keeping funding risk elevated.

Income Statement

Revenue has been contracting for three consecutive years (2023–2025 annual), and profitability remains structurally weak with negative operating and net margins each year. There is some improvement versus 2024 (smaller operating loss and less negative net margin in 2025), but earnings are still firmly loss-making, and the sharp decline in gross profit margin in 2025 versus 2024 signals pressure on unit economics and/or credit costs.

Balance Sheet

Leverage looks moderate overall, with debt below equity across the period, though debt-to-equity moved higher in 2025 versus 2024, indicating a less conservative capital mix. Equity remains positive, which supports balance-sheet resilience, but persistently negative returns on equity highlight that capital is not currently generating profits and losses could continue to erode the equity base if not reversed.

Cash Flow

Operating cash flow turned positive and improved versus earlier years, which is a constructive sign for near-term liquidity. However, free cash flow remains meaningfully negative across all years, implying continued cash burn after investment needs, and the link between cash generation and net losses is inconsistent (including periods where cash outflow was substantial), keeping funding risk elevated if conditions do not improve.

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

• Technical Analysis Sentiment: Negative
• Last Price: 1.96
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 1.96 is above the 20-day moving average (MA) of 1.62, above the 50-day MA of 1.73, and above the 200-day MA of 1.89, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 43.54 is Neutral, neither overbought nor oversold. The STOCH value of 25.49 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	78 Outperform	kr10.12B	15.87	26.88%	―	15.59%	24.31%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HOFI	62 Neutral	kr12.86B	8.66	17.97%	1.78%	19.81%	5.77%
QLIRO	49 Neutral	kr593.81M	-5.11	-16.73%	―	-11.93%	-821.71%
YIELD	42 Neutral	kr89.65M	-42.24	―	―	-15.41%	-85.25%