Press the button and be introduced to a new random company!

Introduce me >

Social media

facebook   Follow us on Twitter

Coverage

Qliro

Qliro

SEKm 2025 2026e 2027e
Total income BK 412 493 549
Total operating costs BK -408 -384 -408
Operating profit BK -103 5 19
EPS adj. -2,61 -0,13 0,19
EPS Core growth BK 236,5 -95,2 -248,8
BVPS 18,69 17,81 18
NAV per share BK 7,73 8,78 8,97
Dividend per share 0 0 0
ROE (%) BK pct -18 -0,8 1
RONAV (%) BK -31,6 -1,7 2,1
Cost / income reported BK -99 -78 -74,3
P/E adj. (x) N/A N/A 68,2
P/BVPS (x) 0,68 0,72 0,71
P/NAV BK 1,65 1,45 1,42
Dividend yield (%) 0 0 0
SEKm 2025 2026e 2027e
Net interest income 353 419 465
Net commission income BK 61 74 90
Trading income BK -5 -5 -7
Insurance income BK N/A N/A N/A
Other operating income BK 2 5 1
Total income BK 412 493 549
Labour costs -282 -260 -278
Other operating costs BK -126 -125 -130
Total operating costs BK -408 -384 -408
Profit before loan losses 4 109 141
Loan losses BK -107 -104 -123
Investment portfolio N/A N/A N/A
Other Items BK 0 0 0
Operating profit BK -103 5 19
Tax 19 -1 -4
Other items after tax BK -9 -8 -8
Net Profit BK -93 -4 6
Tax Rate BK 18,3 16 20,6
EPS -3,31 -0,13 0,19
Net profit adj. BK -73 -4 6
EPS adj. -2,61 -0,13 0,19
Key balance sheet data N/A N/A N/A
Net lending BK 2064 2394 2813
Goodwill and intangibles BK 307 309 309
Total assets BK 3376 3654 4253
Shareholders equity 524 610 616
Net asset value BK 217 301 307
Capital adequacy N/A N/A N/A
Equity 1 Capital BK 333 378 384
Tier 1 Capital BK 386 431 438
Capital base BK 453 498 505
Risk-weighted assets (BIS II) BK 2307 2754 3151
Asset quality N/A N/A N/A
Problem loans, gross BK 244 338 397
Provisions for problem loans BK -165 -192 -225
Problem loans, net BK 79 146 172
Key figures N/A N/A N/A
Profitability N/A N/A N/A
Net interest margin (%) BK 10,34 11,91 11,77
ROE (%) BK pct -18 -0,8 1
RONAV (%) BK -31,6 -1,7 2,1
RORWA (%) BK -4,2 -0,2 0,2
Cost efficiency N/A N/A N/A
Cost/income adj. (%) BK 93 78 74,3
Costs/assets adj. (%) BK 11,22 10,94 10,31
Financial position N/A N/A N/A
Net lending/deposits (%) BK 81,3 88,5 85,5
RWA (BIS II)/assets (%) BK 68,3 75,4 74,1
Tier 1 ratio Core BK 14,4 13,7 12,2
Tier 1 ratio (%) BK 16,7 15,7 13,9
Capital adequacy (%) BK 19,6 18,1 16
Equity ratio adj. (%) BK 9,9 10,3 9
Year N/A N/A N/A
Problem loans, gross/lending (%) BK 12,8 15,3 15,3
Problem loans, net/lending (%) BK 3,8 6,1 6,1
Provision ratio (%) BK 67,5 56,7 56,7
Loan losses, net/lending (%) BK 5,56 5,03 5,12

Key Figure Counter

It is not always easy to generate comparative valuations. Therefore, in order to make it easier for you as an investor, we have created this key figure calculator. Enter share price in the field below and then select the year in which you want to retrieve the financial data.

Update

P/E

Learn more

A common valuation multiple, the share price is divided by earnings per share.

P/E ratio stands for Price and Earnings. By dividing a company's market cap to its earnings, investors get a key ratio which they are able to compare between different companies. The ratio can either be calculated on historical or forward-looking numbers. 

It is important to notice that earnings are calculated after taxes, which mean that they can vary between companies due to different accounting standards.

0,0

EV/EBIT

Learn more

EV stands for Enterprise Value and is calculated as a company's markets cap in addition to its net debt. The net debt itself is computed through the company's interest-bearing debt minus total cash and cash equivalents. 

EBIT is the Earnings Before Interest and Taxes which is the operating income. This result, in comparison to the P/E ratio, is not affected by any financial items.

(
)
0,0

EV/Sales

Learn more

EV stands for Enterprise Value and is calculated as a company's market cap adjusted for its net debt. The net debt itself is computed through the company's interest-bearing debt minus total cash and cash equivalents. S is the company's total sales.

(
)
0,0

P/BVPS

Learn more

P/B stands for Price to Book, which is used to compare a share's market cap to its book value. A P/B ratio that is below one is considered to be valued below its assets.

Companies with high return on equity are usually associated with high P/B ratios, and vice versa. 

 

(
)
0,0