Qliro AB (QLIRO) - Net Assets
Based on the latest financial reports, Qliro AB (QLIRO) has net assets worth Skr573.80 Million SEK (≈ $61.75 Million USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Skr3.17 Billion ≈ $341.47 Million USD) and total liabilities (Skr2.60 Billion ≈ $279.72 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check QLIRO tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Skr573.80 Million |
| % of Total Assets | 18.08% |
| Annual Growth Rate | 27.86% |
| 5-Year Change | 5.27% |
| 10-Year Change | 24.93% |
| Growth Volatility | 249.73 |
Qliro AB - Net Assets Trend (2015–2025)
This chart illustrates how Qliro AB's net assets have evolved over time, based on quarterly financial data. See QLIRO days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Qliro AB (2015–2025)
The table below shows the annual net assets of Qliro AB from 2015 to 2025. For live valuation and market cap data, see Qliro AB market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Skr576.90 Million ≈ $62.08 Million |
+3.17% |
| 2024-12-31 | Skr559.20 Million ≈ $60.18 Million |
+16.45% |
| 2023-12-31 | Skr480.20 Million ≈ $51.68 Million |
+2.06% |
| 2022-12-31 | Skr470.50 Million ≈ $50.63 Million |
-14.14% |
| 2021-12-31 | Skr548.00 Million ≈ $58.97 Million |
-6.80% |
| 2020-12-31 | Skr588.00 Million ≈ $63.28 Million |
+11.37% |
| 2019-12-31 | Skr527.95 Million ≈ $56.82 Million |
+27.68% |
| 2018-12-31 | Skr413.48 Million ≈ $44.50 Million |
+19.71% |
| 2017-12-31 | Skr345.40 Million ≈ $37.17 Million |
-25.20% |
| 2016-12-31 | Skr461.78 Million ≈ $49.70 Million |
+834.71% |
| 2015-12-31 | Skr49.40 Million ≈ $5.32 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Qliro AB's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 808.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Skr448.30 Million | 77.71% |
| Common Stock | Skr79.20 Million | 13.73% |
| Other Comprehensive Income | Skr-3.80 Million | -0.66% |
| Other Components | Skr53.20 Million | 9.22% |
| Total Equity | Skr576.90 Million | 100.00% |
Qliro AB Competitors by Market Cap
The table below lists competitors of Qliro AB ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ginar Technology Co Ltd
TWO:6151
|
$69.64 Million |
|
Clene Inc.
NASDAQ:CLNN
|
$69.64 Million |
|
SBI Investment KOREA Co. Ltd
KQ:019550
|
$69.67 Million |
|
Vortex Consolidated Bhd
KLSE:0060
|
$69.70 Million |
|
Hyundai C&F Inc
KO:227840
|
$69.53 Million |
|
3P Learning Ltd
AU:3PL
|
$69.52 Million |
|
Concrete Engineering Products
KLSE:8435
|
$69.51 Million |
|
E3 LITHIUM LTD
F:OW3
|
$69.50 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Qliro AB's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 559,200,000 to 576,900,000, a change of 17,700,000 (3.2%).
- Net loss of 84,100,000 reduced equity.
- New share issuances of 107,900,000 increased equity.
- Other comprehensive income decreased equity by 51,300,000.
- Other factors increased equity by 45,200,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Skr-84.10 Million | -14.58% |
| Share Issuances | Skr107.90 Million | +18.7% |
| Other Comprehensive Income | Skr-51.30 Million | -8.89% |
| Other Changes | Skr45.20 Million | +7.83% |
| Total Change | Skr- | 3.17% |
Book Value vs Market Value Analysis
This analysis compares Qliro AB's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.91x to 0.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | Skr9.88 | Skr18.90 | x |
| 2016-12-31 | Skr123.52 | Skr18.90 | x |
| 2017-12-31 | Skr19.22 | Skr18.90 | x |
| 2018-12-31 | Skr8.26 | Skr18.90 | x |
| 2019-12-31 | Skr29.37 | Skr18.90 | x |
| 2020-12-31 | Skr32.72 | Skr18.90 | x |
| 2021-12-31 | Skr30.49 | Skr18.90 | x |
| 2022-12-31 | Skr24.67 | Skr18.90 | x |
| 2023-12-31 | Skr25.18 | Skr18.90 | x |
| 2024-12-31 | Skr29.32 | Skr18.90 | x |
| 2025-12-31 | Skr23.47 | Skr18.90 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Qliro AB utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -14.58%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -16.27%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 5.85x
- Recent ROE (-14.58%) is below the historical average (-5.95%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | -0.42% | -0.19% | 0.19x | 12.00x | Skr-5.15 Million |
| 2016 | 0.26% | 1.35% | 0.33x | 0.59x | Skr-84.10 Million |
| 2017 | 0.01% | 0.01% | 0.18x | 3.92x | Skr-34.51 Million |
| 2018 | -3.19% | -4.18% | 0.16x | 4.68x | Skr-54.53 Million |
| 2020 | -11.39% | -16.27% | 0.13x | 5.43x | Skr-125.80 Million |
| 2021 | -7.28% | -8.87% | 0.13x | 6.34x | Skr-94.70 Million |
| 2022 | -19.87% | -19.88% | 0.11x | 8.94x | Skr-140.55 Million |
| 2023 | 0.85% | 0.93% | 0.12x | 7.69x | Skr-43.92 Million |
| 2024 | -3.92% | -4.52% | 0.14x | 6.18x | Skr-77.82 Million |
| 2025 | -14.58% | -16.27% | 0.15x | 5.85x | Skr-141.79 Million |
Industry Comparison
This section compares Qliro AB's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,275,448,250
- Average return on equity (ROE) among peers: -0.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Qliro AB (QLIRO) | Skr573.80 Million | -0.42% | 4.53x | $69.54 Million |
| Hoist Finance AB (HOFI) | $4.90 Billion | 12.35% | 6.02x | $1.55 Billion |
| Intrum Justitia AB (INTRUM) | $529.50 Million | 0.00% | 5.35x | $51.59 Million |
| Resurs Holding AB (RESURS) | $7.57 Billion | 10.54% | 5.32x | $760.84 Million |
| SaveLend Group AB (YIELD) | $106.47 Million | -26.36% | 2.04x | $10.45 Million |
About Qliro AB
Qliro AB (publ), a fintech company, provides digital payment solutions to enterprise and SME merchants in Sweden, Finland, Denmark, and Norway. It offers payment solutions for e-merchants to receive payment and for consumers to shop online; Pay Later, an invoice and part-payment services; and personal savings accounts. The company was incorporated in 2014 and is headquartered in Stockholm, Sweden.