XSTONORION
Market cap675mUSD
Dec 23, Last price
36.35SEK
1D
0.55%
1Q
-10.25%
IPO
-3.50%
Name
Collector Bank AB
Chart & Performance
P/E
5.77
P/S
2.90
EPS
6.30
Div Yield, %
0.00%
Shrs. gr., 5y
6.55%
Rev. gr., 5y
2.38%
Revenues
2.57b
-31.36%
Net income
1.29b
+13.41%
CFO
-3.55b
L
Earnings
Feb 05, 2025
Profile
Collector AB (publ), through its subsidiaries, provides financial services to private and corporate customers in Sweden and rest of Nordic countries. The company operates through Corporate, Payments, Real Estate, and Consumer segments. The Corporate segment offers corporate loans and factoring solutions to small and medium-sized enterprises. The Payments segment provides payment and checkout solutions to e-commerce and retail chains, as well as invoicing and payment by instalment services for private individuals. The Real Estate segment offers real estate loans to companies against collateral. The Consumer segment provides unsecured loans to private individuals; and credit cards. The company was incorporated in 1998 and is headquartered in Gothenburg, Sweden.
Valuation
Title SEK in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 2,570,000 -31.36% | 3,744,000 23.65% | 3,028,000 18.75% | |||||
Cost of revenue | (2,041,000) | 161,000 | 156,000 | |||||
Unusual Expense (Income) | ||||||||
NOPBT | 4,611,000 | 3,583,000 | 2,872,000 | |||||
NOPBT Margin | 179.42% | 95.70% | 94.85% | |||||
Operating Taxes | 342,000 | 301,000 | 204,000 | |||||
Tax Rate | 7.42% | 8.40% | 7.10% | |||||
NOPAT | 4,269,000 | 3,282,000 | 2,668,000 | |||||
Net income | 1,294,000 13.41% | 1,141,000 51.53% | 753,000 148.51% | |||||
Dividends | ||||||||
Dividend yield | ||||||||
Proceeds from repurchase of equity | (58,000) | (44,000) | (40,000) | |||||
BB yield | ||||||||
| Debt | ||||||||
Debt current | 2,287,000 | 2,364,000 | ||||||
Long-term debt | 109,000 | 1,686,000 | 3,865,000 | |||||
Deferred revenue | 1,955,000 | 36,106,000 | 30,523,000 | |||||
Other long-term liabilities | 43,798,000 | 1,074,000 | 1,136,000 | |||||
Net debt | (8,109,000) | (2,906,000) | (1,701,000) | |||||
| Cash flow | ||||||||
Cash from operating activities | (3,550,000) | 983,000 | 682,000 | |||||
CAPEX | (1,000) | (39,000) | (35,000) | |||||
Cash from investing activities | (58,000) | (5,286,000) | (4,728,000) | |||||
Cash from financing activities | 3,771,000 | 2,052,000 | 5,451,000 | |||||
FCF | 3,516,000 | 3,159,000 | 3,599,000 | |||||
| Balance | ||||||||
Cash | 3,203,000 | 3,109,000 | 5,309,000 | |||||
Long term investments | 5,015,000 | 3,770,000 | 2,621,000 | |||||
Excess cash | 8,089,500 | 6,691,800 | 7,778,600 | |||||
Stockholders' equity | 7,803,000 | 6,565,000 | 5,411,000 | |||||
Invested Capital | 46,253,000 | 41,022,000 | 37,893,000 | |||||
ROIC | 9.78% | 8.32% | 7.34% | |||||
ROCE | 8.53% | 7.50% | 6.61% | |||||
| EV | ||||||||
Common stock shares outstanding | 205,381 | 205,400 | 205,400 | |||||
Price | ||||||||
Market cap | ||||||||
EV | ||||||||
EBITDA | 4,678,000 | 3,646,000 | 2,909,000 | |||||
EV/EBITDA | ||||||||
Interest | 1,318,000 | 486,000 | 361,000 | |||||
Interest/NOPBT | 28.58% | 13.56% | 12.57% | |||||