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
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
| QLIRO | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.2% | 0.1% | 2.0% |
| 30 Day | 0.4% | 8.3% | 7.0% |
| 90 Day | 12.8% | 21.3% | 16.2% |
| 1 Year | n/a | 56.8%53.9% | 65.8%61.8% |
| 3 Year | n/a | -11.9%-17.6% | 74.2%55.6% |
| 5 Year | n/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
2 months ago | Simply Wall St
When Will Qliro AB (publ) (STO:QLIRO) Breakeven?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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/19 18:05 |
| End of Day Share Price | 2021/04/19 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.