SaveLend Group AB (YIELD) - Net Assets
Based on the latest financial reports, SaveLend Group AB (YIELD) has net assets worth Skr82.45 Million SEK (≈ $8.87 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Skr392.20 Million ≈ $42.21 Million USD) and total liabilities (Skr309.75 Million ≈ $33.33 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 tangible equity quality of SaveLend Group AB to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Skr82.45 Million |
| % of Total Assets | 21.02% |
| Annual Growth Rate | 55.41% |
| 5-Year Change | 3.27% |
| 10-Year Change | N/A |
| Growth Volatility | 465.85 |
SaveLend Group AB - Net Assets Trend (2018–2025)
This chart illustrates how SaveLend Group AB's net assets have evolved over time, based on quarterly financial data. See SaveLend Group AB liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for SaveLend Group AB (2018–2025)
The table below shows the annual net assets of SaveLend Group AB from 2018 to 2025. For live valuation and market cap data, see SaveLend Group AB market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Skr82.45 Million ≈ $8.87 Million |
+0.61% |
| 2024-12-31 | Skr81.94 Million ≈ $8.82 Million |
-11.17% |
| 2023-12-31 | Skr92.25 Million ≈ $9.93 Million |
-13.35% |
| 2022-12-31 | Skr106.47 Million ≈ $11.46 Million |
+33.36% |
| 2021-12-31 | Skr79.84 Million ≈ $8.59 Million |
+97.14% |
| 2020-12-31 | Skr40.50 Million ≈ $4.36 Million |
-25.30% |
| 2019-12-31 | Skr54.21 Million ≈ $5.83 Million |
+1340.27% |
| 2018-12-31 | Skr3.76 Million ≈ $405.06K |
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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 419.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Skr1.30 Million | 1.84% |
| Other Comprehensive Income | Skr-4.26 Million | -6.01% |
| Other Components | Skr210.97 Million | 297.47% |
| Total Equity | Skr70.92 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 |
|---|---|
|
Kumulus Vape SA
PA:ALVAP
|
$10.45 Million |
|
Pertama Digital Berhad
KLSE:8532
|
$10.45 Million |
|
Kohinoor Foods Limited
NSE:KOHINOOR
|
$10.46 Million |
|
Greencore Group
LSE:GNC
|
$10.46 Million |
|
ICG Enterprise Trust PLC
LSE:ICGT
|
$10.45 Million |
|
Noble Mineral Exploration Inc
V:NOB
|
$10.44 Million |
|
Spring Art Holdings Bhd
KLSE:0216
|
$10.44 Million |
|
Txcom SA
PA:ALTXC
|
$10.44 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 2024 to 2025, total equity changed from 81,943,000 to 70,921,000, a change of -11,022,000 (-13.5%).
- Net loss of 15,862,000 reduced equity.
- Other comprehensive income decreased equity by 5,493,000.
- Other factors increased equity by 10,333,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Skr-15.86 Million | -22.37% |
| Other Comprehensive Income | Skr-5.49 Million | -7.75% |
| Other Changes | Skr10.33 Million | +14.57% |
| Total Change | Skr- | -13.45% |
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: 1.37x
- 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 1.37x 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 | Skr1.70 | x |
| 2019-12-31 | Skr1635.18 | Skr1.70 | x |
| 2020-12-31 | Skr11.73 | Skr1.70 | x |
| 2021-12-31 | Skr2.57 | Skr1.70 | x |
| 2022-12-31 | Skr2.09 | Skr1.70 | x |
| 2023-12-31 | Skr1.72 | Skr1.70 | x |
| 2024-12-31 | Skr1.43 | Skr1.70 | x |
| 2025-12-31 | Skr1.24 | Skr1.70 | 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): -22.37%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -14.76%
- • Asset Turnover: 0.27x
- • Equity Multiplier: 5.53x
- Recent ROE (-22.37%) is above the historical average (-23.12%), indicating improving 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 |
| 2025 | -22.37% | -14.76% | 0.27x | 5.53x | Skr-22.95 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: $3,364,277,250
- Average return on equity (ROE) among peers: 5.85%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| SaveLend Group AB (YIELD) | Skr82.45 Million | -13.44% | 3.76x | $10.45 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 |
| Qliro AB (QLIRO) | $461.78 Million | 0.50% | 0.11x | $69.54 Million |
| Resurs Holding AB (RESURS) | $7.57 Billion | 10.54% | 5.32x | $760.84 Million |
About 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