Income Statement SaveLend Group AB

Stocks

YIELD

SE0015961024

Financial Technology (Fintech)

Market Closed - Nasdaq Stockholm 12:00:00 2026-09-18 EDT			5-day change	1st Jan Change
1.580 ^SEK	0.00%		+6.04%	-17.71%

08-13	SaveLend Group AB Reports Earnings Results for the Half Year Ended June 30, 2026	CI
08-13	Calendar for Thursday, August 13	FW

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Published financial data: SAVELEND GROUP AB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (SEK)	2022 (SEK)	2023 (SEK)	2024 (SEK)	2025 (SEK)
Revenues	94.09M	150M	170M	112M	107M
Other Revenues, Total	192K	2.54M	2.42M	307K	39K
Total Revenues	94.28M	153M	172M	112M	107M
Cost of Goods Sold, Total	44.59M	79.96M	83.92M	57.43M	75.82M
Gross Profit	49.69M	72.84M	88.31M	54.65M	31.66M
Selling General & Admin Expenses, Total	66.87M	75.24M	84.45M	61.82M	30.98M
Provision for Bad Debts	604K	-	-	-1.77M	390K
Depreciation & Amortization - (IS)	10.03M	20.38M	24.18M	15.75M	15.75M
Other Operating Expenses	101K	707K	172K	225K	326K
Other Operating Expenses, Total	77.61M	96.33M	109M	76.03M	47.44M
Operating Income	-27.92M	-23.49M	-20.49M	-21.37M	-15.79M
Interest Expense, Total	-1.28M	-1.77M	-2.29M	-6.32M	-3.4M
Interest And Investment Income	-	-	43K	597K	7K
Net Interest Expenses	-1.28M	-1.77M	-2.25M	-5.72M	-3.39M
Currency Exchange Gains (Loss)	-	-	-	-	-
Other Non Operating Income (Expenses)	0	-	-1K	-	-
EBT, Excl. Unusual Items	-29.19M	-25.26M	-22.74M	-27.09M	-19.18M
Merger & Related Restructuring Charges	-	-857K	-	-	-
Other Unusual Items	-	-	-	2.68M	-97K
EBT, Incl. Unusual Items	-29.19M	-26.12M	-22.74M	-24.42M	-19.27M
Income Tax Expense	-537K	1.94M	-11.11M	-2.12M	-3.41M
Earnings From Continuing Operations	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Net Income to Company	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Net Income - (IS)	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Net Income to Common Incl Extra Items	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Net Income to Common Excl. Extra Items	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Per Share Items
Net EPS - Basic	-0.92	-0.55	-0.22	-0.4	-0.28
Basic EPS - Continuing Operations	-0.92	-0.55	-0.22	-0.4	-0.28
Basic Weighted Average Shares Outstanding	31.1M	50.92M	53.55M	55.42M	57.29M
Net EPS - Diluted	-0.92	-0.55	-0.22	-0.4	-0.28
Diluted EPS - Continuing Operations	-0.92	-0.55	-0.22	-0.4	-0.28
Diluted Weighted Average Shares Outstanding	31.1M	51.08M	53.55M	55.42M	57.29M
Normalized Basic EPS	-0.59	-0.31	-0.27	-0.31	-0.21
Normalized Diluted EPS	-0.59	-0.31	-0.27	-0.31	-0.21
Supplemental Items
EBITDA	-26.2M	-18.24M	-13.75M	-835K	-3.06M
EBITA	-26.2M	-18.24M	-13.74M	-14.65M	-10.53M
EBIT	-27.92M	-23.49M	-20.49M	-21.37M	-15.79M
EBITDAR	-26.18M	-18.2M	-13.72M	-808K	-3.03M
Total Revenues (As Reported)	94.28M	153M	172M	112M	107M
Effective Tax Rate - (Ratio)	1.84	-7.45	48.88	8.7	17.7
Total Current Taxes	-	1.21M	3K	-	-
Total Deferred Taxes	-	735K	-11.12M	-2.12M	-3.41M
Normalized Net Income	-18.24M	-15.79M	-14.21M	-16.93M	-11.99M
Interest on Long-Term Debt	-	-	-	-	-
Supplemental Operating Expense Items
Marketing Expenses	37.82M	45.79M	44.81M	34.35M	7.11M
Selling and Marketing Expenses	37.82M	45.79M	44.81M	34.35M	7.11M
Research And Development Expense From Footnotes	4.94M	10.42M	12.56M	3.43M	7.82M
Net Rental Expense, Total	22K	35K	27K	27K	27K
Imputed Operating Lease Interest Expense	2.22K	3.14K	3.21K	8.21K	3.52K
Imputed Operating Lease Depreciation	19.78K	31.86K	23.79K	18.79K	23.48K

Fiscal Period: December	2021 (SEK)	2022 (SEK)	2023 (SEK)	2024 (SEK)	2025 (SEK)
Assets
Cash And Equivalents	23.19M	20.1M	16.22M	8.47M	7.63M
Total Cash And Short Term Investments	23.19M	20.1M	16.22M	8.47M	7.63M
Accounts Receivable, Total	16.8M	5.5M	5.08M	1.3M	3.89M
Other Receivables	3.32M	7.51M	5.75M	5.77M	4.86M
Total Receivables	20.12M	13.01M	10.83M	7.07M	8.75M
Prepaid Expenses	1.96M	1.48M	2.1M	1.43M	10.72M
Other Current Assets, Total	98.48M	140M	102M	249M	261M
Total Current Assets	144M	174M	131M	266M	289M
Net Property Plant And Equipment	3.63M	3.39M	6.88M	682K	6.58M
Goodwill	39.99M	57.39M	57.37M	24.41M	23.96M
Other Intangibles, Total	58.52M	48.48M	57.53M	41.14M	35.13M
Loans Receivable Long-Term	22.24M	-	-	-	10.92M
Deferred Tax Assets Long-Term	2.06M	-	9.73M	11.51M	13.99M
Deferred Charges Long-Term	-	34.78M	35.61M	17.02M	12.97M
Other Long-Term Assets, Total	23.66M	5.01M	6.62M	6.49M	112K
Total Assets	294M	323M	305M	368M	392M
Liabilities
Accounts Payable, Total	8.7M	9.16M	10.39M	5.61M	5.94M
Accrued Expenses, Total	11.24M	16.26M	17.75M	11.44M	12.09M
Short-term Borrowings	98.48M	140M	102M	169M	190M
Current Portion of Long-Term Debt	19.3M	12.26M	25.46M	11.54M	12.77M
Current Portion of Leases	2.1M	2.1M	3.61M	359K	2.31M
Current Income Taxes Payable	-	2.4M	576K	-	-
Unearned Revenue Current, Total	-	-	31K	8K	590K
Other Current Liabilities	6.3M	7.54M	16.44M	50.02M	41.74M
Total Current Liabilities	146M	190M	176M	248M	266M
Long-Term Debt	26.24M	12.85M	7.43M	10.46M	16.5M
Long-Term Leases	1.55M	606K	2.32M	233K	3.81M
Deferred Tax Liability Non Current	6.84M	10.33M	9.03M	6.44M	5.33M
Other Non Current Liabilities	33.28M	3.66M	17.61M	20.84M	18.35M
Total Liabilities	214M	217M	213M	286M	310M
Common Stock, Total	1.08M	1.17M	1.22M	1.3M	1.3M
Additional Paid In Capital	148M	202M	202M	211M	211M
Retained Earnings	-69.6M	-97.66M	-109M	-132M	-137M
Comprehensive Income and Other	-16K	507K	-2.13M	1.23M	-4.26M
Total Common Equity	79.84M	106M	92.25M	81.94M	70.92M
Minority Interest	-	-	-	-	11.52M
Total Equity	79.84M	106M	92.25M	81.94M	82.45M
Total Liabilities And Equity	294M	323M	305M	368M	392M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	47.49M	51.6M	53.55M	57.29M	57.29M
ECS Total Common Shares Outstanding	47.49M	51.6M	53.55M	57.29M	57.29M
Book Value / Share	1.68	2.06	1.72	1.43	1.24
Tangible Book Value	-18.68M	597K	-22.65M	16.39M	11.82M
Tangible Book Value Per Share	-0.39	0.01	-0.42	0.29	0.21
Total Debt	148M	168M	141M	191M	226M
Net Debt	124M	148M	125M	183M	218M
Debt Equivalent Oper. Leases	176K	280K	216K	216K	216K
Minority Interest, Total (Incl. Fin. Div)	-	-	-	-	11.52M
Account Code - Inventory Valuation	3	3	3	3	3
Full Time Employees	60	75	76	65	67

Fiscal Period: December	2021 (SEK)	2022 (SEK)	2023 (SEK)	2024 (SEK)	2025 (SEK)
Net Income	-28.66M	-28.06M	-11.62M	-22.29M	-15.86M
Depreciation & Amortization - CF	1.63M	3M	3.71M	15.1M	9.96M
Amortization of Goodwill and Intangible Assets - (CF)	1.72M	5.25M	6.74M	6.73M	5.26M
Depreciation & Amortization, Total	3.35M	8.25M	10.46M	21.83M	15.22M
Amortization of Deferred Charges, Total - (CF)	6.68M	12.12M	13.72M	3.53M	7.86M
Other Operating Activities, Total	-542K	-7.76M	-13.04M	-4.49M	-3.2M
Change In Accounts Receivable	-4.21M	9.84M	1.15M	-2.16M	-10.48M
Change in Other Net Operating Assets	1.65M	1.85M	4.95M	8.92M	7.74M
Cash from Operations	-21.72M	-3.76M	5.62M	5.33M	1.27M
Capital Expenditure	-3.08M	-2.76M	-3.96M	-5.2M	-
Sale of Property, Plant, and Equipment	-	-	-	-	780K
Cash Acquisitions	568K	-10.09M	-	-	-
Divestitures	-	-	172K	-	-
Sale (Purchase) of Intangible assets	-8.33M	-20.35M	-13.37M	-9.32M	-6.55M
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	-30.32M	40.89M	-3.13M	-10.28M	-496K
Cash from Investing	-41.15M	7.69M	-20.29M	-24.82M	-6.26M
Long-Term Debt Issued, Total	44.05M	86.61M	6.06M	15.02M	-
Total Debt Issued	44.05M	86.61M	6.06M	15.02M	-
Long-Term Debt Repaid, Total	-12.78M	-127M	-8.37M	-10.28M	-15.07M
Total Debt Repaid	-12.78M	-127M	-8.37M	-10.28M	-15.07M
Issuance of Common Stock	50.25M	32.88M	-	8.63M	-
Other Financing Activities, Total	344K	789K	13.11M	270K	22.22M
Cash from Financing	81.86M	-7.01M	10.79M	13.63M	7.15M
Miscellaneous Cash Flow Adjustments	-	-	-	-270K	-
Net Change in Cash	18.99M	-3.09M	-3.88M	-6.12M	2.16M
Supplemental Items
Cash Interest Paid	4.25M	1.77M	2.25M	7.32M	3.92M
Cash Income Tax Paid (Refund)	5K	781K	1.93M	1.46M	98K
Levered Free Cash Flow	-87.31M	-43.12M	41.69M	-128M	-25.14M
Unlevered Free Cash Flow	-86.51M	-42.02M	43.12M	-124M	-23.02M
Change In Net Working Capital	67.69M	24.6M	-49.08M	121M	29.68M
Net Debt Issued / Repaid	31.27M	-40.69M	-2.32M	4.74M	-15.07M

Fiscal Period: December	2021 (SEK)	2022 (SEK)	2023 (SEK)	2024 (SEK)	2025 (SEK)
Profitability
Return on Assets	-8.36	-4.76	-4.08	-3.97	-2.6
Return on Total Capital	-10.83	-5.85	-5.05	-5.28	-3.39
Return On Equity %	-47.63	-30.12	-11.7	-25.59	-19.3
Return on Common Equity	-47.63	-30.12	-11.7	-25.59	-20.75
Margin Analysis
Gross Profit Margin %	52.71	47.67	51.27	48.76	29.45
SG&A Margin	70.93	49.24	49.03	55.16	28.82
EBITDA Margin %	-27.78	-11.94	-7.98	-0.74	-2.84
EBITA Margin %	-27.79	-11.94	-7.98	-13.07	-9.8
EBIT Margin %	-29.61	-15.37	-11.9	-19.07	-14.69
Income From Continuing Operations Margin %	-30.39	-18.36	-6.75	-19.89	-14.76
Net Income Margin %	-30.39	-18.36	-6.75	-19.89	-14.76
Net Avail. For Common Margin %	-30.39	-18.36	-6.75	-19.89	-14.76
Normalized Net Income Margin	-19.35	-10.33	-8.25	-15.11	-11.15
Levered Free Cash Flow Margin	-92.6	-28.22	24.2	-113.76	-23.39
Unlevered Free Cash Flow Margin	-91.76	-27.5	25.04	-110.24	-21.42
Asset Turnover
Asset Turnover	0.45	0.5	0.55	0.33	0.28
Fixed Assets Turnover	32.43	43.53	33.54	29.64	29.61
Receivables Turnover (Average Receivables)	6.3	13.48	32.11	35.05	41.38
Short Term Liquidity
Current Ratio	0.98	0.92	0.74	1.08	1.09
Quick Ratio	0.3	0.17	0.15	0.06	0.06
Operating Cash Flow to Current Liabilities	-0.15	-0.02	0.03	0.02	0
Days Sales Outstanding (Average Receivables)	57.95	27.08	11.37	10.44	8.82
Average Days Payable Outstanding	52.06	40.76	42.51	50.98	27.81
Long Term Solvency
Total Debt/Equity	184.97	157.42	152.75	233.53	273.77
Total Debt / Total Capital	64.91	61.15	60.44	70.02	73.25
LT Debt/Equity	34.81	12.63	10.57	13.04	24.63
Long-Term Debt / Total Capital	12.22	4.91	4.18	3.91	6.59
Total Liabilities / Total Assets	72.83	67.08	69.75	77.71	78.98
EBIT / Interest Expense	-21.88	-13.27	-8.94	-3.38	-4.65
EBITDA / Interest Expense	-19.25	-8.61	-4.38	0.07	-0.17
(EBITDA - Capex) / Interest Expense	-21.66	-10.17	-6.11	-0.75	-0.17
Total Debt / EBITDA	-6.01	-11	-14.05	422.44	-394.6
Net Debt / EBITDA	-5.07	-9.68	-12.43	403.74	-381.26
Total Debt / (EBITDA - Capex)	-5.34	-9.31	-10.07	-40.27	-394.6
Net Debt / (EBITDA - Capex)	-4.5	-8.19	-8.91	-38.49	-381.26
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	67.19	62.06	12.72	-13.33	-4.11
Gross Profit, 1 Yr. Growth %	69.43	46.57	21.25	-17.34	-0.53
EBITDA, 1 Yr. Growth %	104.04	-23.37	-24.64	-95.92	265.87
EBITA, 1 Yr. Growth %	104.03	-23.38	-24.64	-28.39	-28.12
EBIT, 1 Yr. Growth %	98.78	-7.97	-12.77	-21.41	-26.13
Earnings From Cont. Operations, 1 Yr. Growth %	96.16	-2.07	-58.58	91.79	-28.84
Net Income, 1 Yr. Growth %	96.16	-2.07	-58.58	91.79	-28.84
Normalized Net Income, 1 Yr. Growth %	92.85	-5.75	-9.98	-0.2	-29.22
Diluted EPS Before Extra, 1 Yr. Growth %	139.54	-40.18	-60.08	82.83	-30.39
Accounts Receivable, 1 Yr. Growth %	28.35	-67.25	-7.67	-74.4	199.77
Net Property, Plant and Equip., 1 Yr. Growth %	66.21	-6.58	102.92	-90.09	864.52
Total Assets, 1 Yr. Growth %	137.64	10.06	-5.7	20.56	6.67
Tangible Book Value, 1 Yr. Growth %	8.94	-93.17	-3.89K	-172.37	-27.85
Common Equity, 1 Yr. Growth %	97.14	33.36	-13.35	-11.17	-13.45
Cash From Operations, 1 Yr. Growth %	119.63	-82.67	-249.28	-5.13	-76.16
Capital Expenditures, 1 Yr. Growth %	-	-10.14	43.34	31.37	-
Levered Free Cash Flow, 1 Yr. Growth %	133.34	-49.75	-196.67	-438.42	-80.28
Unlevered Free Cash Flow, 1 Yr. Growth %	135.67	-50.58	-202.63	-417.4	-81.37
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	45.12	64.6	35.16	-14.36	-8.84
Gross Profit, 2 Yr. CAGR %	3.75	57.59	33.31	-13.38	-30.81
EBITDA, 2 Yr. CAGR %	148.74	19.19	-24.01	-78.6	-61.35
EBITA, 2 Yr. CAGR %	148.75	19.18	-24.01	-10.39	-28.25
EBIT, 2 Yr. CAGR %	126.57	29.33	-10.4	-4.61	-23.81
Earnings From Cont. Operations, 2 Yr. CAGR %	118.92	38.6	-36.31	-10.87	16.82
Net Income, 2 Yr. CAGR %	118.92	38.6	-36.31	-10.87	16.82
Normalized Net Income, 2 Yr. CAGR %	111.35	29.18	-7.89	3.57	-15.95
Diluted EPS Before Extra, 2 Yr. CAGR %	106.7	19.71	-51.13	-14.57	12.82
Accounts Receivable, 2 Yr. CAGR %	78.64	-35.17	-45.01	-51.38	-12.43
Net Property, Plant and Equip., 2 Yr. CAGR %	2.02	24.61	37.68	-55.15	-2.23
Total Assets, 2 Yr. CAGR %	64.4	61.73	1.88	6.62	13.4
Tangible Book Value, 2 Yr. CAGR %	218.87	-81.34	60.9	423.95	-27.74
Common Equity, 2 Yr. CAGR %	21.35	62.14	7.49	-12.27	-12.32
Cash From Operations, 2 Yr. CAGR %	68.82	-38.31	-49.14	19.01	-52.44
Capital Expenditures, 2 Yr. CAGR %	-	-	13.49	37.23	-
Levered Free Cash Flow, 2 Yr. CAGR %	160	7.35	-30.3	71.95	-18.31
Unlevered Free Cash Flow, 2 Yr. CAGR %	165.21	6.98	-28.78	71.48	-23.1
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	44.2	50.56	45.09	5.93	-11.07
Gross Profit, 3 Yr. CAGR %	16.51	16.41	44.4	3.22	-24.25
EBITDA, 3 Yr. CAGR %	40.62	62.71	2.3	-67.27	-44.88
EBITA, 3 Yr. CAGR %	33.4	62.71	2.3	-14.95	-16.74
EBIT, 3 Yr. CAGR %	34.64	62.86	13.42	-5.74	-12.4
Earnings From Cont. Operations, 3 Yr. CAGR %	36.42	67.43	-7.33	-8.03	-17.32
Net Income, 3 Yr. CAGR %	36.42	67.43	-7.33	-8.03	-17.32
Normalized Net Income, 3 Yr. CAGR %	36.53	56.94	14.53	0.37	-8.77
Diluted EPS Before Extra, 3 Yr. CAGR %	33.16	36.72	-16.99	-24.14	-20.21
Accounts Receivable, 3 Yr. CAGR %	101.94	1.48	-27.06	-57.38	-10.87
Net Property, Plant and Equip., 3 Yr. CAGR %	150.67	-0.94	46.6	-42.73	24.72
Total Assets, 3 Yr. CAGR %	51.01	43.82	35.11	7.76	6.64
Tangible Book Value, 3 Yr. CAGR %	10.71	-31.25	9.72	23.28	170.57
Common Equity, 3 Yr. CAGR %	22.98	25.23	31.58	0.87	-12.67
Cash From Operations, 3 Yr. CAGR %	145.8	-20.95	-17.18	-37.39	-30.36
Capital Expenditures, 3 Yr. CAGR %	-	-	-	19.16	-
Levered Free Cash Flow, 3 Yr. CAGR %	-	49.46	3.67	14.11	-16.46
Unlevered Free Cash Flow, 3 Yr. CAGR %	-	50.6	5.51	13.27	-18.18
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	40.52	20.15	13.77
Gross Profit, 5 Yr. CAGR %	-	-	22.96	3.43	1.54
EBITDA, 5 Yr. CAGR %	-	-	7.85	-27.73	-24.96
EBITA, 5 Yr. CAGR %	-	-	4.49	28.17	-3.89
EBIT, 5 Yr. CAGR %	-	-	12.37	31.49	2.37
Earnings From Cont. Operations, 5 Yr. CAGR %	-	-	0.59	30.11	1.66
Net Income, 5 Yr. CAGR %	-	-	0.59	30.11	1.66
Normalized Net Income, 5 Yr. CAGR %	-	-	14.67	32.9	4.85
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-	-10.83	13.28	-6.15
Accounts Receivable, 5 Yr. CAGR %	-	-	20.01	-24.4	-21.53
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	97.25	-27.85	24.67
Total Assets, 5 Yr. CAGR %	-	-	29.01	27.59	25.97
Tangible Book Value, 5 Yr. CAGR %	-	-	10.47	54.91	-7.16
Common Equity, 5 Yr. CAGR %	-	-	16.53	8.61	11.86
Cash From Operations, 5 Yr. CAGR %	-	-	30.89	-6.9	-33.66
Levered Free Cash Flow, 5 Yr. CAGR %	-	-	-	58.08	-7.64
Unlevered Free Cash Flow, 5 Yr. CAGR %	-	-	-	58.63	-8.91