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Market Cap

kr898.6m

Last Updated

2021/04/19 18:05 UTC

Data Sources

Company Financials +

Executive Summary

Qliro AB (publ) operates as a fintech company. More Details

Rewards

Earnings are forecast to grow 100.25% per year

Risk Analysis

No risks detected for QLIRO from our risk checks.


Snowflake Analysis

High growth potential with adequate balance sheet.

Share Price & News

How has Qliro's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: QLIRO is not significantly more volatile than the rest of Swedish stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: QLIRO's weekly volatility (8%) has been stable over the past year.


Market Performance


7 Day Return

-1.2%

QLIRO

0.1%

SE Consumer Finance

2.0%

SE Market


1 Year Return

n/a

QLIRO

53.9%

SE Consumer Finance

61.8%

SE Market

Return vs Industry: Insufficient data to determine how QLIRO performed against the Swedish Consumer Finance industry.

Return vs Market: Insufficient data to determine how QLIRO performed against the Swedish Market.


Shareholder returns

QLIROIndustryMarket
7 Day-1.2%0.1%2.0%
30 Day0.4%8.3%7.0%
90 Day12.8%21.3%16.2%
1 Yearn/a56.8%53.9%65.8%61.8%
3 Yearn/a-11.9%-17.6%74.2%55.6%
5 Yearn/a-25.9%-44.8%109.4%68.3%

Long-Term Price Volatility Vs. Market

How volatile is Qliro's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Qliro undervalued compared to its fair value and its price relative to the market?

1.51x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate QLIRO's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate QLIRO's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: QLIRO is unprofitable, so we can't compare its PE Ratio to the XE Consumer Finance industry average.

PE vs Market: QLIRO 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 QLIRO's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: QLIRO is overvalued based on its PB Ratio (1.5x) compared to the XE Consumer Finance industry average (1.2x).


Future Growth

How is Qliro forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

100.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: QLIRO is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.4%).

Earnings vs Market: QLIRO is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: QLIRO's is expected to become profitable in the next 3 years.

Revenue vs Market: QLIRO's revenue (25.4% per year) is forecast to grow faster than the Swedish market (3.6% per year).

High Growth Revenue: QLIRO's revenue (25.4% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: QLIRO's Return on Equity is forecast to be low in 3 years time (8.7%).


Past Performance

How has Qliro performed over the past 5 years?

-107.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: QLIRO is currently unprofitable.

Growing Profit Margin: QLIRO is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: QLIRO is unprofitable, and losses have increased over the past 5 years at a rate of 107.2% per year.

Accelerating Growth: Unable to compare QLIRO's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: QLIRO is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-23.7%).


Return on Equity

High ROE: QLIRO has a negative Return on Equity (-11.39%), as it is currently unprofitable.


Financial Health

How is Qliro's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: QLIRO's Assets to Equity ratio (5.4x) is low.

Allowance for Bad Loans: Insufficient data to determine if QLIRO has a sufficient allowance for bad loans.

Low Risk Liabilities: 82% of QLIRO's liabilities are made up of primarily low risk sources of funding.

Loan Level: QLIRO has an appropriate level of Loans to Assets ratio (77%).

Low Risk Deposits: QLIRO's Loans to Deposits ratio (115%) is appropriate.

Level of Bad Loans: Insufficient data to determine if QLIRO has an appropriate level of bad loans.


Dividend

What is Qliro current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate QLIRO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate QLIRO's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if QLIRO's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if QLIRO's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of QLIRO's dividend in 3 years as they are not forecast to pay a notable one for the Swedish market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

kr2m

CEO Compensation


CEO

Carolina Brandtman (46 yo)

no data

Tenure

kr1,626,000

Compensation

Ms. Carolina Brandtman serves as Chief Executive Officer of Qliro AB (publ). She served as Chief Executive Officer of Qliro Financial Services at Qliro Group AB (publ) since December 2018 until 2020. Ms. B...


CEO Compensation Analysis

Compensation vs Market: Insufficient data to establish whether Carolina's total compensation is reasonable compared to companies of similar size in the Swedish market.

Compensation vs Earnings: Insufficient data to compare Carolina's compensation with company performance.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: QLIRO only recently listed within the past 12 months.


Top Shareholders

Company Information

Qliro AB (publ)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Qliro AB (publ)
  • Ticker: QLIRO
  • Exchange: OM
  • Founded: 2014
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: kr898.649m
  • Shares outstanding: 17.97m
  • Website: https://www.qliro.com

Number of Employees


Location

  • Qliro AB (publ)
  • SveavAegen 151
  • Stockholm
  • Stockholm County
  • 113 46
  • Sweden

Listings


Biography

Qliro AB (publ) operates as a fintech company. The company offers online payment solutions to e-retailers and their customers in the Nordic region, as well as digital financial services to consumers in Swe...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/19 18:05
End of Day Share Price2021/04/19 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.