SaveLend Group AB
SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in Sweden and Finland. The company offers SaveLend, a savings platform that enables savers to earn returns through savings in credit, such as corporate, real estate, and consumer credit; and Billecta, a billing platform that consists of invoicing system, including customer accounts, notifications, and financing solu… Read more
SaveLend Group AB (YIELD) - Net Assets
Latest net assets as of June 2025: Skr88.69 Million SEK
Based on the latest financial reports, SaveLend Group AB (YIELD) has net assets worth Skr88.69 Million SEK as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Skr355.34 Million) and total liabilities (Skr266.65 Million). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Skr88.69 Million |
| % of Total Assets | 24.96% |
| Annual Growth Rate | 67.08% |
| 5-Year Change | 102.34% |
| 10-Year Change | N/A |
| Growth Volatility | 495.19 |
SaveLend Group AB - Net Assets Trend (2018–2024)
This chart illustrates how SaveLend Group AB's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for SaveLend Group AB (2018–2024)
The table below shows the annual net assets of SaveLend Group AB from 2018 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Skr81.94 Million | -11.17% |
| 2023-12-31 | Skr92.25 Million | -13.35% |
| 2022-12-31 | Skr106.47 Million | +33.36% |
| 2021-12-31 | Skr79.84 Million | +97.14% |
| 2020-12-31 | Skr40.50 Million | -25.30% |
| 2019-12-31 | Skr54.21 Million | +1340.27% |
| 2018-12-31 | Skr3.76 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to SaveLend Group 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 decreased by 406.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Skr1.30 Million | 1.59% |
| Other Comprehensive Income | Skr1.23 Million | 1.50% |
| Other Components | Skr210.97 Million | 257.46% |
| Total Equity | Skr81.94 Million | 100.00% |
SaveLend Group AB Competitors by Market Cap
The table below lists competitors of SaveLend Group AB ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Vitura Health Ltd
AU:VIT
|
$5.80 Million |
|
OBIZ S.A. EO -05
F:2GD
|
$5.80 Million |
|
Narmada Agrobase Limited
NSE:NARMADA
|
$5.80 Million |
|
Federal Life Group Inc
PINK:FLFG
|
$5.80 Million |
|
Fatfish Group Ltd
AU:FFG
|
$5.79 Million |
|
Soditech SA
PA:SEC
|
$5.79 Million |
|
Müller - Die lila Logistik AG
XETRA:MLL
|
$5.79 Million |
|
Nusantara Almazia
JK:NZIA
|
$5.79 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in SaveLend Group AB's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 92,251,000 to 81,943,000, a change of -10,308,000 (-11.2%).
- Net loss of 22,292,000 reduced equity.
- New share issuances of 8,627,000 increased equity.
- Other comprehensive income decreased equity by 199,066,000.
- Other factors increased equity by 202,423,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Skr-22.29 Million | -27.2% |
| Share Issuances | Skr8.63 Million | +10.53% |
| Other Comprehensive Income | Skr-199.07 Million | -242.93% |
| Other Changes | Skr202.42 Million | +247.03% |
| Total Change | Skr- | -11.17% |
Book Value vs Market Value Analysis
This analysis compares SaveLend Group 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: 1.15x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.00x to 1.15x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2018-12-31 | Skr3193.37 | Skr1.65 | x |
| 2019-12-31 | Skr1635.18 | Skr1.65 | x |
| 2020-12-31 | Skr11.73 | Skr1.65 | x |
| 2021-12-31 | Skr2.57 | Skr1.65 | x |
| 2022-12-31 | Skr2.09 | Skr1.65 | x |
| 2023-12-31 | Skr1.72 | Skr1.65 | x |
| 2024-12-31 | Skr1.43 | Skr1.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently SaveLend Group 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): -27.20%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -19.94%
- • Asset Turnover: 0.30x
- • Equity Multiplier: 4.49x
- Recent ROE (-27.20%) is below the historical average (-23.23%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2018 | -13.44% | -36.48% | 7.12x | 0.05x | Skr-20.00 Million |
| 2019 | -11.03% | -13.36% | 0.41x | 2.01x | Skr-11.40 Million |
| 2020 | -36.07% | -25.90% | 0.46x | 3.05x | Skr-18.66 Million |
| 2021 | -35.89% | -30.39% | 0.32x | 3.68x | Skr-36.64 Million |
| 2022 | -26.36% | -18.36% | 0.47x | 3.04x | Skr-38.71 Million |
| 2023 | -12.60% | -8.99% | 0.42x | 3.31x | Skr-20.85 Million |
| 2024 | -27.20% | -19.94% | 0.30x | 4.49x | Skr-30.49 Million |
Industry Comparison
This section compares SaveLend Group AB's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $2,573,017,500
- Average return on equity (ROE) among peers: 6.45%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SaveLend Group AB (YIELD) | Skr88.69 Million | -13.44% | 3.01x | $5.79 Million |
| Hoist Finance AB (HOFI) | $4.41 Billion | 13.37% | 5.63x | $607.39 Million |
| Intrum Justitia AB (INTRUM) | $529.50 Million | 0.00% | 5.35x | $408.59 Million |
| Qliro AB (QLIRO) | $345.40 Million | 0.01% | 2.92x | $33.41 Million |
| Resurs Holding AB (RESURS) | $5.00 Billion | 12.43% | 4.11x | $54.36 Million |