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SaveLend Group AB (YIELD) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of SaveLend Group AB stock SEK 4.11, price SEK 1.45, upside +183.4%, quality 36 out of 100. Rating: strongly undervalued. Calculated from audited financials with one of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services SE · ISIN SE0015961024

SG SaveLend Group AB logo Thin data Nov 4, 2026

SaveLend Group AB

YIELD · ST
Cheap, value-trap risk

The stock costs 65% less than our calculation considers fair.

Fair value kr 4.11 · Strongly undervalued
Solidly profitable · 15.6% net margin (TTM)
Low debt
Even on cautious assumptions the value is 161% above the price (kr 3.79).
Mixed vs. peers (5/9)
Quality 36/100
Weak Growth (revenue 3y −11.1 %/yr in SEK)
Negative free cash flow
Narrow moat 42/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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

Price vs Fair Value

kr 10.18 kr 1.33 Fair Value kr 4.11 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 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 1.45 price screens below the kr 4.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

SaveLend Group AB (publ), through its subsidiaries, operates as a fintech company in Sweden and Finland.

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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.

Stock analysis

SaveLend Group AB (YIELD) currently trades at kr 1.45, while our model-based Fair Value estimate is kr 4.11, implying the stock looks roughly 65% undervalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 92/100, which puts the data coverage at low.

Scenario range: kr 3.79 (bear) to kr 4.43 (bull), the price of kr 1.45 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

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

Key figures

Market cap 83.1M SEK (≈ $8.4M) Micro · P/S ratio 0.74 · EPS (TTM) kr −0.3400 · Net margin −14.8% · Return on equity 26.3% · Return on assets (EBIT) −7.7% (5-year average) · Operating margin −20.9% · Revenue (TTM) 121M SEK.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 29% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 183%, YIELD screens cheaper than that median.

Fair Value models

Bear kr 3.79 Fair Value kr 4.11 Bull kr 4.43
Price kr 1.45 · Upside +183.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
EV/EBITDA kr 3.79 kr 4.11 kr 4.43 67
All 1 models by family
Multiples
EV/EBITDA kr 3.79 kr 4.11 kr 4.43 67

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Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 6
How much profit the company makes from its sales and capital
Quality Growth 35
Are margins and returns getting better?
Cashflow 6
Do the profits arrive as real cash?
Financial strength 49
Debt, balance sheet and risk of trouble
Investment 81
Does it invest with discipline instead of growing at any price?
Low Volatility 53
How calm the share price moves, does not count
Price momentum 18
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 11
Distance to the 52-week high, does not count
New shares 70
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−3.8%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−11.1%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+13.8%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+19.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−24.9% (2020) → −14.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Compare SaveLend Group AB with another stock

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Peer Groupⓘ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.Credit Services · 283 stocks

Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside +183.4% · Top 25%
Profitability
Return on equity (12 months) 26.3% · Top 25%
Return on assets −4.0% · Bottom 25%
Net margin (12 months) 15.6% · Below median
Operating margin (12 months) −20.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 20.8% · Above median
Balance sheet
Debt / equity 0.23× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.17× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 0.69× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 59
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)100 · sector 39
HEALTH (low debt)88 · sector 54
DIVIDEND (yield)0 · sector 64

Context: sector, industry, market

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs YIELD
PayPal Holdings PYPL $59.24 $107.45 +81% vs YIELD
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs YIELD
Affirm Holdings AFRM $68.11 $74.92 +10% vs YIELD
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs YIELD
American Express Company AXP $320.99 $210.02 −35% vs YIELD
Visa Inc V $422.65 $242.87 −43% vs YIELD
Mastercard Incorporated MA $652.70 $360.13 −45% vs YIELD
Capital One Financial Corporation COF $201.87 $106.81 −47% vs YIELD
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs YIELD

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SaveLend Group AB: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "SaveLend Group AB Fair Value". https://www.fairvalue-calculator.com/stock/YIELD

Frequently asked questions

Is SaveLend Group AB (YIELD) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of kr 4.11 versus a price of kr 1.45, about +183% upside (undervalued).
What is the fair value of YIELD?
Our model-based fair value for SaveLend Group AB is kr 4.11 (as of Nov 4, 2026), built from audited fundamentals. The current price: kr 1.45.
What is the quality score of YIELD?
SaveLend Group AB has a Quality Score of 36/100. 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 price target for SaveLend Group AB (YIELD)?
Our model-based price target is the fair value of kr 4.11 (as of Nov 4, 2026) from 1 valuation models. Cautious scenario kr 3.79, optimistic scenario kr 4.43. It is a calculation from audited fundamentals, not an analyst target.
What is the SaveLend Group AB stock forecast for 2026?
Our models put fair value at kr 4.11, about +183% upside versus a price of kr 1.45 (undervalued). Cautious scenario kr 3.79, optimistic scenario kr 4.43. The calculation is refreshed regularly with new filings.
What is the revenue of SaveLend Group AB (YIELD)?
SaveLend Group AB reported trailing-twelve-month revenue of about 121M SEK (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of SaveLend Group AB (YIELD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SaveLend Group AB it is kr 4.11 per share (as of Nov 4, 2026), against a price of kr 1.45. It is the blended result of 1 valuation models in 1 family (Multiples).
Is SaveLend Group AB stock overvalued or undervalued in 2026?
As of Nov 4, 2026, YIELD trades below its calculated fair value: price kr 1.45, fair value kr 4.11, a gap of about +183% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of YIELD?
No. The price is what the market pays today (kr 1.45); the fair value is what the company's own numbers justify (kr 4.11). For SaveLend Group AB the two are kr 2.66 per share apart. That gap is exactly why we show both numbers side by side.
How much is SaveLend Group AB worth?
The market values SaveLend Group AB at about 83.1M SEK (market capitalisation, as of Nov 4, 2026). Per share that is kr 1.45; our models calculate a fair value of kr 4.11 per share.
What do the bullish and bearish scenarios say about YIELD?
Our models span a range for SaveLend Group AB: cautious scenario kr 3.79, base kr 4.11, optimistic kr 4.43 per share (as of Nov 4, 2026, price kr 1.45). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of SaveLend Group AB (YIELD)?
Balance-sheet figures for SaveLend Group AB (as of Nov 4, 2026): return on equity 26.3%, debt of 0.23 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is YIELD from its 52-week high?
SaveLend Group AB trades at kr 1.45, about 29% below its 52-week high of kr 2.05 and 9% above the low of kr 1.33 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of kr 4.11 is for.
Which stocks are comparable to SaveLend Group AB?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SaveLend Group AB stock attractive at the current price?
The data as of Nov 4, 2026: price kr 1.45, calculated fair value kr 4.11 (+183%), Quality Score 36/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of YIELD calculated?
We run SaveLend Group AB through 1 models from 1 family: Multiples. Every model gets the same audited fundamentals; the fair value of kr 4.11 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. SaveLend Group AB currently trades 65% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SaveLend Group AB (YIELD)?
The closing price on Nov 6, 2026 was kr 1.45. Our model-based fair value is kr 4.11, about +183% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SaveLend Group AB right now?
The large discount to fair value meets weak quality (36/100). 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.

Key figures of SaveLend Group AB

How large is the market capitalisation of SaveLend Group AB (YIELD)?
The market capitalisation of SaveLend Group AB is 83.1M SEK (≈ $8.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SaveLend Group AB (YIELD)?
The price-to-sales ratio of SaveLend Group AB is 0.74 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SaveLend Group AB (YIELD)?
Earnings per share at SaveLend Group AB are kr −0.3400. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of SaveLend Group AB (YIELD)?
The net margin of SaveLend Group AB is −14.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SaveLend Group AB (YIELD)?
The return on equity (ROE) of SaveLend Group AB is 26.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SaveLend Group AB (YIELD)?
On an EBIT basis the return on assets of SaveLend Group AB is −7.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SaveLend Group AB (YIELD)?
The operating margin of SaveLend Group AB is −20.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SaveLend Group AB (YIELD)?
Revenue at SaveLend Group AB is growing +20.8% versus a year earlier (3y avg −11.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SaveLend Group AB (YIELD)?
Earnings per share at SaveLend Group AB are growing +11.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SaveLend Group AB (YIELD) generate?
The free cash flow of SaveLend Group AB is −5.3M SEK (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does SaveLend Group AB (YIELD) hold?
SaveLend Group AB holds more cash than debt, 163M SEK net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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