1. Sweden Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
SaveLend Group AB

SaveLend Group AB

SSTO:YIELD
1.47
SEK
+0.04
(+2.45%)
97.39MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.01
16.31
3.03
3
2.41
2.03
1.88
- -
Basic EPS, GAAP
-0.13
-4.23
-0.92
-0.55
-0.22
-0.4
-0.28
- -
Free Cash Flow per Basic Share
-0.27
-4.89
-1.07
-0.53
-0.22
-0.17
-0.09
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
1.22
11.72
1.68
2.06
1.72
1.43
1.24
1.35
Tangible Book Value per Share
-0.04
-4.96
-0.39
-0.66
-1.09
-0.01
-0.02
0.02
Basic Weighted Avg Shares
44
3
31
51
54
55
57
56
Sales/Revenue/Turnover
45
56
94
153
129
112
107
- -
Operating Margin (%)
-14.7
-23.94
-26.33
-14.73
-20.87
-22.96
-16.19
- -
Depreciation Expense
6
7
10
20
24
25
23
- -
Net Income, GAAP
-6
-15
-29
-28
-12
-22
-16
- -
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
-13.36
-25.9
-30.39
-18.36
-8.99
-19.84
-14.76
- -
Working Capital
4
-9
-2
-15
-45
19
23
20
LT Debt
6
14
28
13
10
11
20
10
Total Equity
54
40
80
106
92
82
82
89
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
-30.85
-47.63
-30.12
-11.7
-25.59
-20.75
- -

Capital Structure

SEK

•

in mil. unless spec.
Sep'24
Dec'24
Jun'25
ST Debt
16
12
9
LT Borrowings
12
10
4
LT Finance Leases
- -
- -
6
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
57
57
57
Market Capitalization
133
120
97

Working Capital

SEK

•

in mil. unless spec.
Sep'24
Dec'24
Jun'25
Total Current Assets
168
266
245
Cash, Cash Equivalents & STI
7
8
9
Accounts Receivable, Net
4
- -
3
Inventories
- -
- -
- -
Total Current Liabilities
197
248
225
Payables & Accruals
- -
- -
- -
ST Debt
16
12
9
Deferred Revenue
- -
- -
- -

Growth Rates

SEK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
21.32%
0.61%
Free Cash Flow
- -
-8.72%
-42.65%
Net Income, GAAP
- -
19.69%
-28.84%
Sales/Revenue/Turnover
- -
19.28%
-4.38%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

SEK

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
112
2025
- -
30
107
2026
- -
- -
- -

Semi-annual Earnings Per Share

SEK

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
-0.4
2025
- -
-0.01
-0.28
2026
- -
- -
- -

Semi-annual Dividends Per Share

SEK

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Peter Balod
Full Time Employees
40
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Kammakargatan 7 Stockholm AB Sweden 111 40
IPO Date
Jun 9, 2021
Website
savelendgroup.se
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Business
SaveLend Group AB (publ) operates as a fintech company focused on the credit investment market, offering platforms that enable private and institutional investors to achieve returns through direct exposure to diversified credits including corporate loans, SME financing, real estate credits, consumer loans, invoice purchases and factoring in SEK and EUR. The company provides the proprietary SaveLend savings platform, which facilitates investments in these credit types sourced from internal and external intermediaries, features a secondary market for liquidity and handles debt collection to minimize saver involvement; and the Billecta billing platform, which delivers comprehensive invoice management including automated invoicing, accounts receivable, notifications, debt collection and integrated financing solutions. Founded in 2014 and headquartered in Stockholm, Sweden, SaveLend Group conducts operations across Sweden, Finland and Poland, serving transaction-intensive businesses, borrowers and savers seeking fixed-income alternatives. Recent developments include the January 2025 sale of approximately 22% of shares in subsidiary Billecta AB for SEK 22 million, yielding a positive earnings effect of SEK 11 million and supporting a planned full divestiture during 2025 to streamline focus on the savings platform; a strategic partnership between Billecta and Lime Technologies Sweden AB in January 2025 targeting the real estate sector; expanded collaboration with NordIX AG in February 2025, under which NordIX commits to investing at least SEK 115 million in Swedish consumer credits during 2025; recruitment of Karl Tigerhielm as Head of Real Estate in December 2024 to scale project financing; and a shift to half-year reporting supplemented by quarterly trading updates starting in 2025 to enhance efficiency.