Collector AB (publ), through its subsidiaries, provides financial services to private and corporate customers in Sweden and other Nordic countries.
High growth potential with adequate balance sheet.
Share Price & News
How has Collector's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: COLL's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: COLL underperformed the Swedish Banks industry which returned -26% over the past year.
Return vs Market: COLL underperformed the Swedish Market which returned -6.6% over the past year.
Price Volatility Vs. Market
How volatile is Collector's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StThe Chief Executive Officer of Collector AB (publ) (STO:COLL), Martin Nossman, Just Bought 1385% More Shares
2 months ago | Simply Wall StWhat Is Collector's (STO:COLL) P/E Ratio After Its Share Price Tanked?
3 months ago | Simply Wall StIntroducing Collector (STO:COLL), The Stock That Slid 50% In The Last Three Years
Is Collector undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: COLL (SEK14.4) is trading below our estimate of fair value (SEK94.47)
Significantly Below Fair Value: COLL is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: COLL is unprofitable, so we can't compare its PE Ratio to the Banks industry average.
PE vs Market: COLL is unprofitable, so we can't compare its PE Ratio to the Swedish market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate COLL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: COLL is good value based on its PB Ratio (0.4x) compared to the SE Banks industry average (0.9x).
How is Collector forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: COLL is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (-0.4%).
Earnings vs Market: COLL is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: COLL's is expected to become profitable in the next 3 years.
Revenue vs Market: COLL's revenue (21.9% per year) is forecast to grow faster than the Swedish market (4.2% per year).
High Growth Revenue: COLL's revenue (21.9% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: COLL's Return on Equity is forecast to be low in 3 years time (9.1%).
How has Collector performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: COLL is currently unprofitable.
Growing Profit Margin: COLL is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: COLL is unprofitable, but has reduced losses over the past 5 years at a rate of 15.1% per year.
Accelerating Growth: Unable to compare COLL's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: COLL is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (6.8%).
Return on Equity
High ROE: COLL has a negative Return on Equity (-0.23%), as it is currently unprofitable.
How is Collector's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: COLL's level of assets compared to its equity is moderate.
Allowance for Bad Loans: COLL has a low allowance for bad loans.
Low Risk Liabilities: COLL's liabilities are made up of primarily low risk sources of funding.
Loan Level: COLL has an acceptable proportion of non-loan assets held.
Low Risk Deposits: COLL's loans are broadly funded by customer deposits.
Level of Bad Loans: COLL has a high level of bad loans (20.36%)
What is Collector's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate COLL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate COLL's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if COLL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if COLL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: COLL is not paying a notable dividend for the Swedish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of COLL's dividend in 3 years as they are not forecast to pay a notable one for the Swedish market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Martin Nossman (48yo)
Mr. Martin Nossman is Chief Executive Officer at Collector Bank AB and Collector AB (publ) since August 01, 2018. He has an MSc in Business and Economics from Lund University and has worked at Handelsbanke ...
CEO Compensation Analysis
Compensation vs Market: Martin's total compensation ($USD551.96K) is about average for companies of similar size in the Swedish market ($USD454.42K).
Compensation vs Earnings: Insufficient data to compare Martin's compensation with company performance.
|Chief Executive Officer||1.67yrs||kr5.54m||0.35% SEK10.4m|
|Chief Financial Officer||0.75yr||no data||0.032% SEK936.0k|
|COO & Vice CEO||2.25yrs||no data||0.0089% SEK263.5k|
|Chief Information Officer||1.25yrs||no data||no data|
|Finance & IR Manager||1yr||no data||no data|
|General Counsel||2.25yrs||no data||no data|
|Acting Head of Compliance||0.25yr||no data||no data|
|Chief Marketing Officer||0.42yr||no data||no data|
Experienced Management: COLL's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
|Chairman of the Board||6.25yrs||kr500.00k||2.26% SEK66.9m|
|Independent Director||13.25yrs||kr300.00k||0.19% SEK5.8m|
|Board Member||1.25yrs||no data||no data|
|Board Member||1.25yrs||no data||0.0049% SEK144.0k|
Experienced Board: COLL's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: COLL insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Collector AB (publ)'s company bio, employee growth, exchange listings and data sources
- Name: Collector AB (publ)
- Ticker: COLL
- Exchange: OM
- Founded: 1998
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: kr2.957b
- Shares outstanding: 205.38m
- Website: https://www.collector.se
Number of Employees
- Collector AB (publ)
- Lilla Bommens Torg 11
- Box 119 14
- Västra Götaland County
- 411 09
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|COLL||OM (OMX Nordic Exchange Stockholm)||Yes||Ordinary Shares||SE||SEK||Jun 2015|
|0R8T||LSE (London Stock Exchange)||Yes||Ordinary Shares||GB||SEK||Jun 2015|
|COLLS||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Ordinary Shares||GB||SEK||Jun 2015|
|NCA||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Jun 2015|
Collector AB (publ), through its subsidiaries, provides financial services to private and corporate customers in Sweden and other Nordic countries. The company operates through four segments: Retail, Corporate, Payments, and Colligent. The Retail segment offers savings accounts, personal loan products, credit cards, and mortgage products, as well as invoice and payments by instalments to e-commerce and retail companies. The Corporate segment provides purchase of receivables, invoice factoring, export and order financing, and real estate credits services. The Payment segment offers payment solutions for e-commerce and shops, and collector checkout payment solutions. The Colligent segment provides rent collection services, commercial debt collection services, consumer debt collection services, foreign debt collection services, and purchased debt services. It also offers credit management and corporate law services. Collector AB (publ) was incorporated in 1998 and is headquartered in Gothenburg, Sweden.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/10 07:02|
|End of Day Share Price||2020/04/09 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.