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Qliro

Qliro

SEKm 2025 2026e 2027e
Total income BK 412 534 638
Total operating costs BK -408 -384 -423
Operating profit BK -103 37 74
EPS adj. -2,61 0,61 1,47
EPS Core growth BK 236,5 -123,3 141,8
BVPS 18,69 18,82 20,29
NAV per share BK 7,73 9,8 11,28
Dividend per share 0 0 0
ROE (%) BK pct -18 3,6 7,5
RONAV (%) BK -31,6 7,6 14
Cost / income reported BK -99 -71,9 -66,2
P/E adj. (x) N/A 31,4 13
P/BVPS (x) 1,02 1,02 0,94
P/NAV BK 2,48 1,95 1,7
Dividend yield (%) 0 0 0
SEKm 2025 2026e 2027e
Net interest income 353 433 502
Net commission income BK 61 98 133
Trading income BK -5 -4 -4
Insurance income BK N/A N/A N/A
Other operating income BK 2 6 6
Total income BK 412 534 638
Labour costs -282 -258 -291
Other operating costs BK -126 -126 -132
Total operating costs BK -408 -384 -423
Profit before loan losses 4 150 215
Loan losses BK -107 -113 -141
Investment portfolio N/A N/A N/A
Other Items BK 0 0 0
Operating profit BK -103 37 74
Tax 19 -8 -16
Other items after tax BK -9 -8 -8
Net Profit BK -93 21 50
Tax Rate BK 18,3 20,9 21
EPS -3,31 0,61 1,47
Net profit adj. BK -73 21 50
EPS adj. -2,61 0,61 1,47
Key balance sheet data N/A N/A N/A
Net lending BK 2064 2539 3223
Goodwill and intangibles BK 307 308 308
Total assets BK 3376 3749 4408
Shareholders equity 524 643 694
Net asset value BK 217 335 386
Capital adequacy N/A N/A N/A
Equity 1 Capital BK 333 442 492
Tier 1 Capital BK 386 495 545
Capital base BK 453 561 612
Risk-weighted assets (BIS II) BK 2307 2920 3610
Asset quality N/A N/A N/A
Problem loans, gross BK 217 341 432
Provisions for problem loans BK -165 -203 -258
Problem loans, net BK 52 137 174
Key figures N/A N/A N/A
Profitability N/A N/A N/A
Net interest margin (%) BK 10,34 12,17 12,31
ROE (%) BK pct -18 3,6 7,5
RONAV (%) BK -31,6 7,6 14
RORWA (%) BK -4,2 0,8 1,5
Cost efficiency N/A N/A N/A
Cost/income adj. (%) BK 93 71,9 66,2
Costs/assets adj. (%) BK 11,22 10,78 10,36
Financial position N/A N/A N/A
Net lending/deposits (%) BK 81,3 91,1 95,1
RWA (BIS II)/assets (%) BK 68,3 77,9 81,9
Tier 1 ratio Core BK 14,4 15,1 13,6
Tier 1 ratio (%) BK 16,7 16,9 15,1
Capital adequacy (%) BK 19,6 19,2 16,9
Equity ratio adj. (%) BK 9,9 11,8 11,2
Year N/A N/A N/A
Problem loans, gross/lending (%) BK 11,4 14,6 14,6
Problem loans, net/lending (%) BK 2,5 5,4 5,4
Provision ratio (%) BK 76 59,6 59,6
Loan losses, net/lending (%) BK 5,56 5,48 5,55

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.

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P/E

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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.

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EV/EBIT

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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.

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EV/Sales

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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.

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P/BVPS

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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. 

 

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