SaveLend Group AB (publ) (STO:YIELD)

SaveLend Group AB Statistics

Total Valuation

STO:YIELD has a market cap or net worth of SEK 105.41 million. The enterprise value is 275.03 million.

Market Cap	105.41M
Enterprise Value	275.03M

Important Dates

The next estimated earnings date is Friday, February 20, 2026.

Earnings Date	Feb 20, 2026
Ex-Dividend Date	n/a

Share Statistics

STO:YIELD has 57.29 million shares outstanding. The number of shares has increased by 6.97% in one year.

Current Share Class	57.29M
Shares Outstanding	57.29M
Shares Change (YoY)	+6.97%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	22.29%
Owned by Institutions (%)	11.49%
Float	39.52M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	1.00
PB Ratio	1.19
P/TBV Ratio	6.92
P/FCF Ratio	24.91
P/OCF Ratio	10.98
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-10.88
EV / Sales	2.60
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	65.00

Financial Position

The company has a current ratio of 1.09, with a Debt / Equity ratio of 1.88.

Current Ratio	1.09
Quick Ratio	0.06
Debt / Equity	1.88
Debt / EBITDA	n/a
Debt / FCF	39.49
Interest Coverage	-3.55

Financial Efficiency

Return on equity (ROE) is -28.53% and return on invested capital (ROIC) is -5.13%.

Return on Equity (ROE)	-28.53%
Return on Assets (ROA)	-3.92%
Return on Invested Capital (ROIC)	-5.13%
Return on Capital Employed (ROCE)	-16.56%
Weighted Average Cost of Capital (WACC)	2.47%
Revenue Per Employee	2.58M
Profits Per Employee	-616,439
Employee Count	41
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

Income Tax	-2.14M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +5.44% in the last 52 weeks. The beta is -0.44, so STO:YIELD's price volatility has been lower than the market average.

Beta (5Y)	-0.44
52-Week Price Change	+5.44%
50-Day Moving Average	1.89
200-Day Moving Average	1.90
Relative Strength Index (RSI)	48.56
Average Volume (20 Days)	28,379

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, STO:YIELD had revenue of SEK 105.87 million and -25.27 million in losses. Loss per share was -0.44.

Revenue	105.87M
Gross Profit	52.58M
Operating Income	-21.59M
Pretax Income	-27.41M
Net Income	-25.27M
EBITDA	-1.34M
EBIT	-21.59M
Loss Per Share	-0.44

Balance Sheet

The company has 8.52 million in cash and 167.06 million in debt, with a net cash position of -158.54 million or -2.77 per share.

Cash & Cash Equivalents	8.52M
Total Debt	167.06M
Net Cash	-158.54M
Net Cash Per Share	-2.77
Equity (Book Value)	88.69M
Book Value Per Share	1.35
Working Capital	20.45M

Cash Flow

In the last 12 months, operating cash flow was 9.60 million and capital expenditures -5.37 million, giving a free cash flow of 4.23 million.

Operating Cash Flow	9.60M
Capital Expenditures	-5.37M
Free Cash Flow	4.23M
FCF Per Share	0.07

Margins

Gross margin is 49.66%, with operating and profit margins of -20.39% and -23.87%.

Gross Margin	49.66%
Operating Margin	-20.39%
Pretax Margin	-25.89%
Profit Margin	-23.87%
EBITDA Margin	-1.26%
EBIT Margin	-20.39%
FCF Margin	4.00%

Dividends & Yields

STO:YIELD does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-6.97%
Shareholder Yield	-6.97%
Earnings Yield	-23.98%
FCF Yield	4.01%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

STO:YIELD has an Altman Z-Score of -0.11 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	-0.11
Piotroski F-Score	6