SaveLend Group AB (publ)

YIELD.ST

Financial - Credit Services · Financial Services

Exchange

Stockholm Stock Exchange

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Weak

Stability

Mixed

Valuation

Good

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Winston Score History

The full picture

SaveLend Group is a Swedish financial technology company that runs an online lending marketplace. It connects individual and institutional investors with borrowers — including consumers and small businesses — who need loans. The platform acts as a middleman, matching people who want to earn returns on their money with people who need to borrow it.

The company earns money by charging fees on the loans arranged through its platform, keeping a portion of the interest spread between borrowers and investors. It operates primarily in the Nordic region and is a small-cap company with a market value around $100 million. Its competitive position depends on its technology platform and network of lending partners, but with negative operating and return-on-capital margins, the business is not yet profitable. The main risk is that rising loan defaults or tighter regulation in the Nordic lending market could further pressure margins and delay the path to profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+14.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

36.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

kr 8M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

SaveLend Group AB (publ) is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

26.2%

Modest — 26.2% gross margin

Profit after running costs

Operating Margin

-23.4%

Losing money on operations — -23.4%

Return on the money invested

ROCE

-17.3%

Weak — -17.3% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

-15.3%

Shrinking sales (-15.3% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

39%

Weak — only 39% of profit becomes cash

Spare cash per sale

FCF Margin

2.9%

Thin free cash flow (2.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.41

Conservative — low debt load (0.41)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

5.7x

no trend

Attractive valuation — P/E 5.7

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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