Enity Holding AB

Enity Holding AB

6.80
EUR
+0.01
(+0.15%)
0.95EPS
6.44P/E
305.00MMarket Cap
Nov 05Next Earn
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
18.12
19.92
23.26
26.12
27.4
Basic EPS, GAAP
4.2
4
5.09
6.14
10.49
Free Cash Flow per Basic Share
27.47
29.27
4.34
-2.92
3.04
Dividend per Share
6
- -
- -
5
- -
Book Value per Share
92.23
106.32
110.93
115.51
122.56
Tangible Book Value per Share
30.96
42.73
47.69
49.6
40.86
Basic Weighted Avg Shares
50
50
50
50
50
Sales/Revenue/Turnover
906
996
1,163
1,306
1,370
Operating Margin (%)
- -
- -
- -
- -
- -
Depreciation Expense
67
85
98
106
127
Net Income, GAAP
210
200
254
307
525
Effective Tax Rate (%)
20.54
27.18
35.06
25.93
12.12
Profit Margin (%)
23.15
20.08
21.88
23.51
38.28
Working Capital
- -
- -
- -
- -
- -
LT Debt
8,181
7,612
7,989
7,663
7,822
Total Equity
4,611
5,376
5,547
5,776
6,128
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.55
1.91
2.28
3.77
Return on Common Equity (%)
- -
4.03
4.68
5.42
8.92

Capital Structure

SEK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
50
50
50
Market Capitalization
5,114
4,231
3,378

Working Capital

SEK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
656
1,848
1,302
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SEK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
4.13%
Free Cash Flow
- -
- -
-167.27%
Net Income, GAAP
- -
- -
20.72%
Sales/Revenue/Turnover
- -
- -
12.31%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
277
282
281
292
1,163
2025
301
332
315
313
1,306
2026
322
420
- -
- -
- -

Quarterly Earnings Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.9
1.89
2.02
0.27
5.09
2025
0.98
1.54
2.26
2.25
6.14
2026
3.63
2.35
- -
- -
- -

Quarterly Dividends Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
5
2026
- -
- -
- -
- -
- -

Company Description

CEO
Björn Lander
Full Time Employees
285
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Sveavägen 163 Stockholm AB Sweden 113 46
IPO Date
Jun 13, 2025
Website
enity.com
Business
Enity Holding AB (publ) (ENITY.ST) operates as the holding company for Enity Bank Group, a Nordic specialist provider of mortgage and financial services targeting underserved individuals and communities through accessible, sustainable lending solutions. The group offers a range of core products including first- and second-charge mortgages, equity release loans, residential mortgages, savings accounts, personal and business loans, debit and credit cards, letters of credit, certificates of deposit, mortgages, equipment financing, and online banking services delivered via a cloud-based digital platform; these are provided under consumer brands such as Bluestep Bank across Sweden, Norway, and Finland, Bank2 in Norway, and 60plusbanken in Sweden. Enity Holding serves customers primarily in Sweden, Norway, Finland, and Germany, with a focus on non-traditional borrowers assessed based on unique potential rather than standard criteria, maintaining a low-risk portfolio of fully secured mortgages totaling SEK 29.3 billion as of March 2025. Founded in 2004 as a holding entity with operations commencing in 2005 under Bluestep Bostadslån in Stockholm, Sweden, where it maintains headquarters at Sveavagen 163 or c/o Enity Bank Group AB, the company has expanded through organic growth, geographic extension into Finland, and strategic acquisitions including Bank2 in Norway in April 2024 and the remaining 51% stake in Norwegian mortgage broker Eiendomsfinans AS (including subsidiary Eiendomsfinans Drift AS) for MSEK 83.1 in May 2025; additional recent developments encompass unifying brands under the Enity identity in 2024, listing shares on Nasdaq Stockholm in June 2025, issuing AT1 Notes, launching a covered bond programme, distributing an extraordinary dividend of MSEK 250, setting new financial targets, and realizing cost synergies from prior integrations amid Q1 2025 trading updates showing stable credit losses at 0.22%.