SaveLend Group (YIELD) Fair Value & Analysis

Financial Services · SE · Market cap 106M SEK

Below-average quality, screening 135% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case (kr 3.79). The market is more pessimistic than our downside scenario.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• 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 Jul 16, 2026.

How to read this chart

60‑month range kr 1.33 – kr 10.18 · fair‑value band kr 3.79 – kr 4.43 · the kr 1.75 price screens below the kr 4.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

SaveLend Group (YIELD) currently trades at kr 1.75, while our model-based Fair Value estimate is kr 4.11, implying the stock looks roughly 134.9% undervalued today. The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, SaveLend Group generated revenue of 111M SEK at a net margin of 14.7%. Revenue grew 14.0% year over year. It earns a return on equity of 19.8%. The balance sheet holds a net cash position of 163M SEK. Fundamentals as of Jul 16, 2026

Our scenario range runs from kr 3.79 (bear case) to kr 4.43 (bull case); at kr 1.75, the current price sits below 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 30% below its 52-week high and 30% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 135%, YIELD screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Widest divergence: Multiples (kr 4.44) versus Asset-Based (kr 0.8300). Highest evidence: EV/EBITDA (54).

Key figures & financial health

Quality Score breakdown

About the company

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 …

Full company description

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 solutions. SaveLend Group AB has startegic partnership with Nooga to implement Nooga Navigator, an AI-based platform for governance, risk, and compliance (GRC). SaveLend Group AB (publ) was founded in 2014 and is based in Stockholm, Sweden.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SaveLend Group reported revenue of kr 107M in FY2025 versus kr 94.3M in FY2021, a compound +3.3%/yr. Reported net income was −kr 15.9M in FY2025.

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Peer Group

Credit Services · 331 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 Credit Services median · lower = cheaper

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.

Insider activity: 40/100

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.