Overview
SaveLend Group AB, based in Sweden, operates primarily in the financial services sector with a focus on consumer lending. The company administers a platform that amalgamates lending and investment opportunities, thus functioning as an intermediary between borrowers and investors. This platform facilitates a diverse range of loan products, including personal and payday loans, by leveraging technology to offer both automated and crowd-lending options. SaveLend's strategy emphasizes transparency and efficiency, aiming to provide high returns to investors while ensuring competitive loan rates for borrowers. The firm continually works on enhancing its technological infrastructure to optimize financial matchmaking, reinforcing its presence in the European financial market.
Quality, Value, Momentum Scores
This card shows the Quality, Value, and Momentum scores for the company
Income Statement: Revenue, Operating Income, Net Income
- The revenue for SaveLend Group AB (publ) as of 30 June 2025 is 105.87 MM.
- The operating income for SaveLend Group AB (publ) as of 30 June 2025 is -21.59 MM.
- The net income for SaveLend Group AB (publ) as of 30 June 2025 is -25.27 MM.
| Period End (TTM) | Revenue (MM) | Operating Income (MM) | Net Income (MM) |
| 2025-06-30 | 105.87 | -21.59 | -25.27 |
| 2025-03-31 | 108.29 | -21.05 | -13.57 |
| 2024-12-31 | 112.08 | -21.37 | -22.29 |
| 2024-09-30 | 95.80 | -35.12 | -20.24 |
| 2024-06-30 | 100.50 | -31.65 | -16.35 |
| 2024-03-31 | 113.63 | -31.65 | -16.05 |
| 2023-12-31 | 129.32 | -27.20 | -11.62 |
| 2023-09-30 | 175.93 | -5.65 | -9.16 |
| 2023-06-30 | 174.92 | -9.88 | -13.44 |
| 2023-03-31 | 168.03 | -17.27 | -21.09 |
| 2022-12-31 | 152.80 | -23.49 | -28.06 |
| 2022-09-30 | 136.98 | -30.18 | -34.08 |
| 2022-06-30 | 119.50 | -29.31 | -33.09 |
| 2022-03-31 | 105.03 | -30.24 | -33.95 |
| 2021-12-31 | 94.28 | -25.52 | -28.66 |
| 2021-09-30 | 81.19 | -23.62 | -24.52 |
| 2021-06-30 | 72.54 | -21.11 | -22.24 |
| 2021-03-31 | 63.34 | -12.40 | -13.19 |
| 2020-12-31 | 56.40 | -14.04 | -14.61 |
| 2020-09-30 | 50.85 | -11.29 | -12.12 |
Income Statement: EPS
- The earnings per share basic for SaveLend Group AB (publ) as of 30 June 2025 is -0.44.
- The earnings per share diluted for SaveLend Group AB (publ) as of 30 June 2025 is -0.44.
| Period End (TTM) | Earnings Per Share Basic | Earnings Per Share Diluted |
| 2025-06-30 | -0.44 | -0.44 |
| 2025-03-31 | -0.24 | -0.24 |
| 2024-12-31 | -0.40 | -0.40 |
| 2024-09-30 | -0.37 | -0.38 |
| 2024-06-30 | -0.31 | -0.31 |
| 2024-03-31 | -0.30 | -0.31 |
| 2023-12-31 | -0.22 | -0.22 |
| 2023-09-30 | -0.17 | -0.17 |
| 2023-06-30 | -0.26 | -0.25 |
| 2023-03-31 | -0.40 | -0.40 |
| 2022-12-31 | -0.55 | -0.55 |
| 2022-09-30 | -0.64 | -0.63 |
| 2022-06-30 | -0.69 | -0.69 |
| 2022-03-31 | -1.01 | -1.01 |
| 2021-12-31 | -0.92 | -0.92 |
| 2021-09-30 | -0.97 | -0.98 |
| 2021-06-30 | -0.82 | -0.82 |
| 2021-03-31 | -0.34 | -0.34 |
| 2020-12-31 | -0.38 | -0.38 |
| 2020-09-30 | -0.43 | -0.43 |
Cash Flow: Operations, Investing, Financing
- The cash from operating activities for SaveLend Group AB (publ) as of 30 June 2025 is 9.60 MM.
- The cash from investing activities for SaveLend Group AB (publ) as of 30 June 2025 is -23.62 MM.
- The cash from financing activities for SaveLend Group AB (publ) as of 30 June 2025 is 12.67 MM.
| Period End (TTM) | Cash From Operating Activities (MM) | Cash From Investing Activities (MM) | Cash From Financing Activities (MM) |
| 2025-06-30 | 9.60 | -23.62 | 12.67 |
| 2025-03-31 | |||
| 2024-12-31 | 5.33 | -24.82 | 13.63 |
| 2024-09-30 | -12.04 | -14.52 | 10.74 |
| 2024-06-30 | -11.24 | -15.79 | 26.43 |
| 2024-03-31 | -6.76 | -19.02 | 20.92 |
| 2023-12-31 | 5.62 | -20.29 | 10.79 |
| 2023-09-30 | 16.78 | 35.29 | -43.95 |
| 2023-06-30 | 17.02 | 25.48 | -45.72 |
| 2023-03-31 | 8.34 | 21.59 | -37.58 |
| 2022-12-31 | -3.76 | 7.69 | -7.01 |
| 2022-09-30 | -20.07 | -44.15 | 50.55 |
| 2022-06-30 | -27.73 | -52.26 | 54.77 |
| 2022-03-31 | -30.89 | -48.00 | 96.68 |
| 2021-12-31 | -21.72 | -41.15 | 81.86 |
| 2021-09-30 | -26.01 | -50.70 | 98.04 |
| 2021-06-30 | -14.48 | -34.51 | 86.83 |
| 2021-03-31 | -6.98 | -31.16 | 35.41 |
| 2020-12-31 | -9.89 | -21.94 | 26.01 |
| 2020-09-30 | 4.74 | -8.87 | 9.22 |
Valuation Metrics : PE, PriceToBook, PriceToTBV
- The p/e for SaveLend Group AB (publ) as of 30 June 2025 is -7.18.
- The p/book for SaveLend Group AB (publ) as of 30 June 2025 is 1.19.
- The p/tbv for SaveLend Group AB (publ) as of 30 June 2025 is 5.94.
- P/Book
- The current closing price divided by the book value per share.
- P/TBV
- The current price divided by the tangible book value per share.
| Period End (TTM) | p/e | P/Book | P/TBV |
| 2025-06-30 | -7.18 | 1.19 | 5.94 |
| 2025-03-31 | -3.71 | 1.01 | 5.05 |
| 2024-12-31 | -5.97 | 1.44 | -5.56 |
| 2024-09-30 | -7.99 | 1.48 | -6.59 |
| 2024-06-30 | -8.17 | 1.54 | -4.53 |
| 2024-03-31 | -7.44 | 0.94 | -3.82 |
| 2023-12-31 | -9.45 | 0.88 | -3.67 |
| 2023-09-30 | -6.44 | 0.87 | -3.37 |
| 2023-06-30 | -10.36 | 1.40 | -5.43 |
| 2023-03-31 | -6.60 | 1.32 | 169.80 |
| 2022-12-31 | -2.45 | 0.91 | -5.36 |
| 2022-09-30 | -3.94 | 1.46 | -8.63 |
| 2022-06-30 | -4.05 | 1.40 | -10.80 |
| 2022-03-31 | -3.95 | 1.25 | -65.29 |
| 2021-12-31 | -2.95 | 1.01 | 2.69 |
| 2021-09-30 | -2.95 | 1.01 | 2.69 |
| 2021-06-30 | -3.25 | 0.96 | 2.44 |
| 2021-03-31 | -4.66 | 1.62 | -7.55 |
| 2020-12-31 | -5.07 | 1.34 | -40.82 |
| 2020-09-30 | -5.07 | 1.34 | -40.82 |
Valuation Metrics : EBitToEv, EBit3YrAvgToEv
- The ebit/ev for SaveLend Group AB (publ) as of 30 June 2025 is -0.06.
- The ebit (3y)/ev for SaveLend Group AB (publ) as of 30 June 2025 is -0.07.
| Period End (TTM) | EBIT/EV | EBIT (3y)/EV |
| 2025-06-30 | -0.06 | -0.07 |
| 2025-03-31 | -0.09 | -0.09 |
| 2024-12-31 | -0.11 | -0.09 |
| 2024-09-30 | -0.09 | -0.08 |
| 2024-06-30 | -0.10 | -0.10 |
| 2024-03-31 | -0.11 | -0.13 |
| 2023-12-31 | -0.03 | -0.10 |
| 2023-09-30 | -0.05 | -0.10 |
| 2023-06-30 | -0.05 | -0.10 |
| 2023-03-31 | -0.07 | -0.08 |
| 2022-12-31 | -0.21 | -0.14 |
| 2022-09-30 | -0.17 | -0.12 |
| 2022-06-30 | -0.12 | -0.08 |
| 2022-03-31 | -0.12 | -0.07 |
| 2021-12-31 | -0.23 | -0.12 |
| 2021-09-30 | -0.32 | -0.21 |
| 2021-06-30 | 1.19 | 0.81 |
| 2021-03-31 | -0.14 | -0.12 |
| 2020-12-31 | -0.19 | -0.06 |
| 2020-09-30 | -0.19 | -0.12 |
Management Effectiveness
- The roa for SaveLend Group AB (publ) as of 30 June 2025 is -0.04.
- The roe for SaveLend Group AB (publ) as of 30 June 2025 is -0.29.
- The roic for SaveLend Group AB (publ) as of 30 June 2025 is -0.05.
- The croic for SaveLend Group AB (publ) as of 30 June 2025 is -0.02.
- The ocroic for SaveLend Group AB (publ) as of 30 June 2025 is 0.02.
| Period End (TTM) | ROA | ROE | ROIC | CROIC | OCROIC |
| 2025-06-30 | -0.04 | -0.29 | -0.05 | -0.02 | 0.02 |
| 2025-03-31 | -0.07 | -0.26 | -0.08 | -0.02 | 0.02 |
| 2024-12-31 | -0.06 | -0.21 | -0.08 | -0.06 | -0.05 |
| 2024-09-30 | -0.06 | -0.21 | -0.06 | -0.00 | -0.04 |
| 2024-06-30 | -0.06 | -0.15 | -0.07 | -0.02 | -0.03 |
| 2024-03-31 | -0.04 | -0.11 | -0.05 | -0.02 | 0.02 |
| 2023-12-31 | -0.03 | -0.10 | -0.03 | 0.03 | 0.06 |
| 2023-09-30 | -0.04 | -0.14 | -0.05 | -0.01 | 0.06 |
| 2023-06-30 | -0.06 | -0.14 | -0.07 | -0.02 | 0.08 |
| 2023-03-31 | -0.08 | -0.20 | -0.08 | -0.03 | 0.03 |
| 2022-12-31 | -0.15 | -0.48 | -0.11 | -0.05 | -0.07 |
| 2022-09-30 | -0.15 | -0.48 | -0.12 | -0.05 | -0.07 |
| 2022-06-30 | -0.15 | -0.44 | -0.12 | -0.09 | -0.10 |
| 2022-03-31 | -0.21 | -0.90 | -0.12 | 0.06 | -0.11 |
| 2021-12-31 | -0.18 | -0.53 | -0.12 | 0.11 | -0.13 |
| 2021-09-30 | -0.18 | -0.53 | -0.14 | 0.12 | -0.08 |
| 2021-06-30 | -0.20 | -0.48 | -0.23 | 0.39 | -0.15 |
| 2021-03-31 | -0.13 | -0.26 | -0.12 | -0.02 | -0.06 |
| 2020-12-31 | -0.11 | 0.04 | 0.04 | ||
| 2020-09-30 | -0.28 | -0.11 | 0.04 | 0.04 |
Gross Margins
- The gross margin for SaveLend Group AB (publ) as of 30 June 2025 is 0.49.
- The net margin for SaveLend Group AB (publ) as of 30 June 2025 is -0.13.
- The operating margin for SaveLend Group AB (publ) as of 30 June 2025 is -0.19.
- Gross Margin
- The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.
- Net Margin
- The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.
- Operating Margin
- The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.
| Period End (TTM) | Gross Margin | Net Margin | Operating Margin |
| 2025-06-30 | 0.49 | -0.13 | -0.19 |
| 2025-03-31 | 0.49 | -0.20 | -0.19 |
| 2024-12-31 | 0.47 | -0.13 | -0.17 |
| 2024-09-30 | 0.50 | -0.10 | -0.14 |
| 2024-06-30 | 0.51 | -0.10 | -0.14 |
| 2024-03-31 | 0.51 | -0.07 | -0.12 |
| 2023-12-31 | 0.51 | -0.05 | -0.03 |
| 2023-09-30 | 0.51 | -0.08 | -0.06 |
| 2023-06-30 | 0.49 | -0.08 | -0.06 |
| 2023-03-31 | 0.48 | -0.13 | -0.10 |
| 2022-12-31 | 0.80 | -0.25 | -0.24 |
| 2022-09-30 | 0.84 | -0.25 | -0.24 |
| 2022-06-30 | 0.96 | -0.28 | -0.27 |
| 2022-03-31 | 0.98 | -0.32 | -0.31 |
| 2021-12-31 | 1.00 | -0.30 | -0.28 |
| 2021-09-30 | 1.01 | -0.30 | -0.28 |
| 2021-06-30 | 1.01 | -0.31 | -0.28 |
| 2021-03-31 | 1.04 | -0.21 | -0.18 |
| 2020-12-31 | 1.04 | -0.24 | -0.22 |
| 2020-09-30 | 1.04 | -0.24 | -0.22 |
Identifiers and Descriptors
| Central Index Key (CIK) |
