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Careium - Relief around the corner

23 april 2026

<a id="bm-comp-b9356d7f-bc5d-42e5-8a84-cbe2b6ac3696" name="bm-comp-b9356d7f-bc5d-42e5-8a84-cbe2b6ac3696" class="BMCustomAnchor"></a><table><tr><td bm-component-id="b9356d7f-bc5d-42e5-8a84-cbe2b6ac3696" style="vertical-align: top; width:100.000000%;"><ul><li>Underlying development looks promising</li><li>We raise our '26-'28 EBIT estimates by 3-1%</li><li>Share is trading at 10x-7x '26e-'28e EV/EBIT</li></ul></td></tr></table><a id="bm-comp-d213836f-dcce-4c5b-9887-9c94124f4faa" name="bm-comp-d213836f-dcce-4c5b-9887-9c94124f4faa" class="BMCustomAnchor"></a><table><tr><td bm-component-id="d213836f-dcce-4c5b-9887-9c94124f4faa" style="vertical-align: top; width:100.000000%;"><h3 class="bm-h3" style="text-align:left;">Margins not as soft as expected</h3><p>Q1 came in 2% (SEK 4m) above our expectations on sales, for a solid organic growth of 11%, weighed down by FX of -5%. We are encouraged to see organic growth for the third consecutive quarter, and also note the second quarter in a row of positive growth in number of connections (which showed consecutive negative y-o-y development from Q4'22-Q3'25). The 4m sales beat was carried down to EBIT, which was 40% above our estimate (SEK 13m vs. 9m), as the margin of 5.7% was 1.6pp above our estimates. This is a margin decline of 2.3pp y-o-y, but a solid result given the guidance for elevated opex in H1 and temporary headwinds. Opex grew 10% y-o-y, partly driven by the onboarding of a large customer in Norway, which carried upfront costs.</p><h3 class="bm-h3" style="text-align:left;">Pressure to ease in H2</h3><p style="text-align:left;">Careium reiterates that Q2e will also suffer from margin pressure, due to investment in efficiencies and organic growth, coupled with upfront costs for long-term contracts. We believe this is well guided, and that the underlying development looks promising. We believe continued organic growth and a relatively stable opex base will enable higher margins in H2'26. Moreover, Careium once again alluded to the possibility of selective M&amp;A. The Nordics should show improvements in Q2 and onwards as the ADDA framework is finalised, and Careium will likely sign a framework agreement in May, if ADDA's communicated timeline holds.</p><h3 class="bm-h3" style="text-align:left;"><font color="#1B2634">We raise EBIT by 3-1% '26e-'28e</font></h3><p><font color="#212529">We raise</font> <font color="#212529">'26e-'28e sales by 1%</font> on the back of the report and <font color="#212529">u</font>pdated FX movements. Our '26e-'28e EBIT estimates are up 3-1% on operating leverage and higher gross margins. Our estimates imply '26e-'28e sales and EBIT CAGRs of 6% and 22%. <font color="#000000">On our updated estimates, the s</font><font color="#212529">hare is trading at 10x-7x</font> <font color="#212529">'26e-'28e EV/EBIT. We reiterate our fair value range to SEK 20-34.</font></p></td></tr></table>

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