Creades AB (CRED-A) Fair Value & Analysis
Financial Services · SE · Market cap 11.4B SEK (≈ $1.2B) · ISIN SE0015661236
What is Creades AB really worth?
A solid business, but trading 32% above our fair value of kr 69.76.
Strengths
Risks
For context
Fair value as of: Aug 23, 2026
From 2 valuation models · updated 13 days ago
Share price +4.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- A high-quality business (quality 72/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case (kr 87.20). The favourable scenario is already priced in.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 23, 2026.
How to read this chart
60‑month range kr 54.11 – kr 136.30 · fair‑value band kr 52.32 – kr 87.20 · the kr 91.75 price screens above the kr 69.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 23, 2026.
Analysis
Creades AB (CRED-A) currently trades at kr 91.75, while our model-based Fair Value estimate is kr 69.76, implying the stock looks roughly 31.5% overvalued today. The Quality Score stands at 72/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 22 models at a data quality of 95/100, which puts the evidence level at high.
Revenue declined 45.6% year over year. It earns a return on equity of 5.3%. The balance sheet holds a net cash position of 279M SEK. The stock trades on a trailing P/E of 4.9 (as of Jul 18, 2026). Fundamentals as of Aug 23, 2026
Our scenario range runs from kr 52.32 (bear case) to kr 87.20 (bull case); at kr 91.75, the current price sits above 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 near its 52-week high and 48% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, CRED-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 1.70 per share, which is 2.4 % 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.
All 2 models by family
Widest divergence: Multiples (kr 69.84) versus Asset-Based (kr 55.05). Highest evidence: P/B Multiple (53).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 23, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 71
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
Creades AB is a private equity and venture capital investment firm specializing in early, mid & late venture, emerging growth, middle market, growth capital and buyout investments. The firm typically invests in small and medium-sized public and private companies. It focuses on Swedish companies.
Full company description
Creades AB is a private equity and venture capital investment firm specializing in early, mid & late venture, emerging growth, middle market, growth capital and buyout investments. The firm typically invests in small and medium-sized public and private companies. It focuses on Swedish companies. The firm seeks to invest between SEK50 million ($4.78 million) and SEK500 million ($47.91 million). The firm can take both majority and minority stakes and also a seat on the board of directors of its portfolio companies. The firm uses personal and balance sheet capital for making investments. Creades AB was founded in 2011 and is based in Stockholm, Sweden.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Creades AB reported revenue of 110M SEK in FY2025 versus 4.5B SEK in FY2021, a compound −60.4%/yr. Reported net income was 1.2B SEK in FY2025, compounding −26.7%/yr from FY2021.
of which total revenue +15.6 % · buybacks/dilution +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).
CRED-A screens 32% overvalued. Compare with Blackstone Inc →
Peer Group
Asset Management · 695 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.
Valuation Multiples vs Asset Management median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 23, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $142.39 | $52.88 | −63% |
| Investor AB INVEB | kr 417.20 | kr 824.66 | +98% |
| Brookfield Corporation BN | C$55.74 | C$10.67 | −81% |
| KKR & Co KKR | $108.68 | $19.97 | −82% |
| Apollo Global Management, Inc APO | $135.04 | $101.04 | −25% |
| State Street Corporation STT | $193.33 | $138.33 | −28% |
| Ameriprise Financial, Inc AMP | $559.32 | $515.24 | −8% |
| Ares Management Corporation ARES | $143.10 | $30.88 | −78% |
| Northern Trust Corporation NTRS | $186.79 | $122.02 | −35% |
| Raymond James Financial, Inc RJF | $181.10 | $142.42 | −21% |
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