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Bilia AB (BILI-A) Fair Value & Analysis

Consumer Cyclical · SE · Market cap 13.2B SEK (≈ $1.4B) · ISIN SE0009921588

What is Bilia AB really worth?

BA Bilia AB BILI-A · ST
Pricekr 147.50
Fair Valuekr 140.99
Upside−4.4%
Quality59/100

A solid business, currently priced close to our fair value of kr 140.99.

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Strengths

Moderate debt · generates free cash flow

Risks

!Mixed Growth (revenue 5y +6.0 %/yr)
!Thin margins · 2.0% net margin
!Mixed vs. peers (7/15)
!Narrow moat 36/100
!Weak on valuation: 27 out of 100

For context

·3.97% dividend yield
Evidence: High Range kr 79.76 – kr 176.24

Fair value as of: Aug 19, 2026

From 24 valuation models · updated 16 days ago

Share price −3.8% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • A fairly wide model range (kr 79.76 to kr 176.24) leaves room in how you read the outcome.

Price vs Fair Value (5 years)

kr 159.13 kr 85.96 Fair Value kr 140.99 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.

How to read this chart

60‑month range kr 85.96 – kr 159.13 · fair‑value band kr 79.76 – kr 176.24 · the kr 147.50 price screens above the kr 140.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.

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Analysis

Bilia AB (BILI-A) currently trades at kr 147.50, while our model-based Fair Value estimate is kr 140.99, implying the stock looks roughly 4.6% fairly valued today. The Quality Score stands at 59/100 (solid quality), in the Consumer Cyclical sector. Bull case: the Growth Earnings group reads highest at a median of kr 153.34 per share, and 8 of the 24 models we run sit above the kr 147.50 price. Bear case: the Asset-Based group reads lowest at kr 36.59, and 16 of the 24 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Bilia AB generated revenue of 40.1B SEK at a net margin of 2.0%. Revenue declined 3.2% year over year. It earns a return on equity of 15.7%. Net debt stands at 13.2B SEK. Fundamentals as of Aug 19, 2026

Our scenario range runs from kr 79.76 (bear case) to kr 176.24 (bull case); at kr 147.50, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 36% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at −13% fair-value upside, at −4%, BILI-A screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly kr 1.91 per share, which is 1.4 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
FCF DCF kr 48.79 kr 84.13 kr 136.07 78
Growth DCF kr 50.51 kr 82.64 kr 127.46 77
Owner Earnings kr 43.40 kr 76.10 kr 124.15 74
All 24 models by family
DCF Models
FCF DCF kr 48.79 kr 84.13 kr 136.07 78
Owner Earnings kr 43.40 kr 76.10 kr 124.15 74
5Y Revenue Exit kr 75.66 kr 138.05 kr 216.76 71
5Y EBITDA Exit kr 156.19 kr 284.53 kr 432.04 74
5Y P/E Exit kr 80.26 kr 146.41 kr 214.04 70
10Y Revenue Exit kr 61.52 kr 115.74 kr 186.38 65
10Y EBITDA Exit kr 115.83 kr 215.93 kr 346.50 66
10Y P/E Exit kr 67.96 kr 121.46 kr 184.36 63
Earnings-Based
Graham-Dodd kr 56.40 kr 151.32 kr 198.04 65
Lynch FV kr 29.49 kr 42.13 kr 54.77 61
PEG = 1.0 kr 29.49 kr 42.13 kr 54.77 57
EPV kr 85.85 kr 103.99 kr 119.86 74
Multiples
P/E Multiple kr 136.85 kr 182.46 kr 228.08 63
P/S Multiple kr 105.74 kr 140.99 kr 176.24 58
P/B Multiple kr 105.74 kr 140.99 kr 176.24 55
EV/EBIT kr 155.30 kr 214.72 kr 274.14 66
EV/EBITDA kr 247.72 kr 337.94 kr 428.17 67
EV/Revenue kr 97.20 kr 148.70 kr 200.19 53
Asset-Based
NCAV (Graham) kr 27.30 kr 36.59 kr 54.61 54
Growth DCF
Growth DCF kr 50.51 kr 82.64 kr 127.46 77
Rev-Margin DCF kr 75.66 kr 137.85 kr 206.23 71
Economic Profit
Residual Income kr 55.19 kr 72.30 kr 195.69 67
ROIC Compounder kr 90.81 kr 119.32 kr 152.59 72
Growth Earnings
Growth-Adj P/E kr 107.34 kr 153.34 kr 199.34 67

Widest divergence: Growth Earnings (kr 153.34) versus Asset-Based (kr 36.59). Highest evidence: FCF DCF (78).

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Key figures & financial health

P/E ratio 17.0
P/S ratio 0.32 P/E × margin
EPS (TTM) kr 8.66 price ÷ EPS = P/E 17.0
Dividend yield 4.0% payout 67.6%
Net margin 1.9% FY2025
Return on equity 15.7% TTM
More key figures
Profitability
Return on assets (EBIT) 8.2% avg 5y
Operating margin 3.5% TTM
Growth
Revenue (TTM) 40.1B SEK TTM
Revenue growth (YoY) −3.2% 3y avg +4.6%
EPS growth (YoY) +30.4%
Balance sheet & cash flow
Free cash flow 600M SEK FY2025
Net debt 13.2B SEK FY2025 · ≈ 21.9 yrs of FCF

Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 59/100

Of which business quality 57 · Market factors (momentum, volatility) 74

Profitability 55
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 38
Earnings quality: real cash, not paper profit
Fin. Strength 44
Balance sheet, leverage, solvency risk
Investment 94
Disciplined investing over empire-building
Low Volatility 86
Calm price path (market factor)
Momentum 63
Price trend over the last 3–12 months (market factor)
52W Momentum 79
Distance to the 52-week high (market factor)
Net Issuance 79
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Bilia AB (publ) operates as a full-service supplier for car ownership in Sweden, Norway, Luxembourg, and Belgium. The company operates through Service, Car, and Fuel segments.

Full company description

Bilia AB (publ) operates as a full-service supplier for car ownership in Sweden, Norway, Luxembourg, and Belgium. The company operates through Service, Car, and Fuel segments. It provides service, repair, fuel, car wash, rental cars, wheel and tyres, rim repair, car accessories, car care, paint work, glass repair and replacement and repair, car accessories, and other services. The company also offers car servicing and repair, spare parts, and wheel storage. In addition, it provides washing and refueling services under the Tanka, OKQ8, and Tvätta brands. The company is also involved in the sale of new and used cars; transport vehicles and trucks; and offers financing, insurance, and other services. The company sells cars from Volvo, BMW, MINI, Toyota, Lexus, Mercedes-Benz, Porsche, Nissan, Jaguar, Land Rover, XPENG, Volkswagen, Audi, Skoda, Seat, Cupra, and other brands; transport vehicles from Toyota, Mercedes-Benz, Nissan, and Volkswagen; and trucks from Mercedes-Benz. Additionally, it operates an internet-based auction site in Sweden; and sells its products through stores and online. The company was incorporated in 1967 and is headquartered in Gothenburg, Sweden.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Bilia AB reported revenue of 40.4B SEK in FY2025 versus 35.5B SEK in FY2021, a compound +3.3%/yr. Reported net income was 760M SEK in FY2025, compounding −15.0%/yr from FY2021.

Growth Quality 71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
40.4B SEK
Latest YoY
+3.2%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+4.6%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.0%
Avg. revenue growth/yr (22Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+4.5%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+0.4% (−3.6 + 4.0)
Revenue +3.3%/yr
FY21 35.5B SEK
FY22 35.3B SEK
FY23 38.5B SEK
FY24 39.2B SEK
FY25 40.4B SEK
Net income −15.0%/yr
FY21 1.5B SEK
FY22 1.6B SEK
FY23 931M SEK
FY24 662M SEK
FY25 760M SEK
Character of growth · EPS growth decomposed (2014-2025) +5.0 % p.a.
Revenue per share +8.2 %

of which total revenue +7.1 % · buybacks/dilution +1.1 %

EBIT margin −1.0 %
Tax rate +0.3 %
Residual (interest, one-offs) −2.3 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Bilia AB Fair Value". https://www.fairvalue-calculator.com/stock/BILI-A

Peer Group

Auto & Truck Dealerships · 97 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 59 · Top 25%
Fair Value upside −4% · Below median
Return on equity (TTM) 16% · Top 25%
Return on assets 4% · Above median
Net margin (TTM) 2% · Above median
Operating margin (TTM) 3% · Below median
Revenue growth −3% · Below median
Dividend yield (TTM) 4.0% · Above median
Debt / equity 0.51× · Higher than median

Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper

P/E (TTM) 17.0× · Cheaper than median
P/B 2.63× · Pricier than median
P/S (TTM) 0.33× · Pricier than median
P/FCF 2.3× · Cheaper than median
EV/EBITDA 7.5× · Pricier than median
PEG 27.19× · Pricier than 75% of peers

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE27 · sector 28
FUTURE0 · sector 13
PAST63 · sector 20
HEALTH75 · sector 90
DIVIDEND79 · sector 71

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).

Stock Price Fair Value vs Fair Value
Carvana Co CVNA $74.04 $17.59 −76%
Penske Automotive Group PAG $219.62 $217.41 −1%
D'Ieteren Group DIE €175.00 €105.40 −40%
Hotai Motor Co 2207 524.00 TWD 558.82 TWD +7%
CarMax, Inc KMX $62.11 $29.44 −53%
Lithia Motors, Inc LAD $369.61 $498.50 +35%
AutoNation, Inc AN $196.57 $329.77 +68%
AUTO1 Group AG1 €21.78 €5.84 −73%
Rush Enterprises, Inc RUSHA $76.27 $66.27 −13%
Valvoline Inc VVV $33.96 $24.55 −28%

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Frequently asked questions

Is Bilia AB (BILI-A) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of kr 140.99 versus a price of kr 147.50, about −4% upside (fairly valued).
What is the fair value of BILI-A?
Our model-based fair value for Bilia AB is kr 140.99 (as of Aug 19, 2026), built from audited fundamentals. The current price: kr 147.50.
What is the quality score of BILI-A?
Bilia AB has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Bilia AB (BILI-A)?
Bilia AB reported trailing-twelve-month revenue of about 40.1B SEK (latest available figure, as of Aug 19, 2026).
What is the net profit margin of BILI-A?
The net profit margin of Bilia AB is about 2.0%, meaning it keeps roughly 2.0% of revenue as net income. Based on the latest reported figures.
Does Bilia AB pay a dividend?
Bilia AB currently shows a dividend yield of about 3.97% relative to its recent price (as of Aug 19, 2026).
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