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XSTO
TFBANK
Market cap855mUSD
May 30, Last price  
380.00SEK
1D
2.56%
1Q
1.33%
Jan 2017
322.22%
IPO
347.06%
Name

TF Bank AB

Chart & Performance

D1W1MN
P/E
12.95
P/S
3.36
EPS
29.34
Div Yield, %
—
Shrs. gr., 5y
—
Rev. gr., 5y
25.97%
Revenues
2.44b
+81.81%
201,395,723292,379,000347,360,000388,013,000440,799,000511,570,000627,641,000768,864,000864,582,0001,040,558,0001,390,760,0001,341,270,0002,438,516,000
Net income
632m
+59.40%
66,310,60886,324,00099,543,00093,235,000117,504,000151,459,000191,826,000221,926,000202,719,000277,206,000342,459,000396,700,000632,349,000
CFO
-1.55b
L
-151,121,911342,773,000130,029,000266,070,000-480,332,000895,736,000215,222,000341,639,000361,581,000225,229,0001,047,671,000852,861,000-1,549,777,000
Dividend
Jun 18, 20255 SEK/sh
Earnings
Jul 02, 2025

Profile

TF Bank AB (publ) provides consumer banking services and e-commerce solutions through a proprietary IT platform. The company operates in three segments: Consumer Lending, E-commerce Solutions, and Credit Cards. It provides savings accounts; unsecured consumer loans; and digital payment solutions, as well as credit cards. The company serves private individuals in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, and Austria. TF Bank AB (publ) was founded in 1987 and is headquartered in Borås, Sweden.
URL
https://www.tfbank.se/
IPO date
Sep 18, 2015
Employees
330
Domiciled in
SE
Incorporated in
SE

Valuation

Title
SEK in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
2,438,516
81.81%
1,341,270
-3.56%
1,390,760
33.66%
Cost of revenue
821,371
(881,932)
329,523
Unusual Expense (Income)
NOPBT
1,617,145
2,223,202
1,061,237
NOPBT Margin
66.32%
165.75%
76.31%
Operating Taxes
155,640
112,899
93,198
Tax Rate
9.62%
5.08%
8.78%
NOPAT
1,461,505
2,110,303
968,039
Net income
632,349
59.40%
396,700
15.84%
342,459
23.54%
Dividends
(19,847)
(21,500)
Dividend yield
0.54%
0.57%
Proceeds from repurchase of equity
(494)
BB yield
0.01%
Debt
Debt current
8,425
Long-term debt
80,762
288,105
Deferred revenue
(15)
Other long-term liabilities
22,035,844
(242,600)
Net debt
(1,928,524)
(7,280,368)
(1,610,093)
Cash flow
Cash from operating activities
(1,549,777)
852,861
1,047,671
CAPEX
(30,999)
(54,113)
(47,822)
Cash from investing activities
4,480
(107,797)
(47,852)
Cash from financing activities
(29,129)
4,722,500
(36,354)
FCF
1,597,179
1,844,039
966,783
Balance
Cash
18,563
5,744,117
57,686
Long term investments
1,909,961
1,617,013
1,848,937
Excess cash
1,806,598
7,294,066
1,837,085
Stockholders' equity
2,520,486
1,910,914
1,534,778
Invested Capital
23,263,007
22,035,844
16,754,103
ROIC
6.45%
10.88%
6.71%
ROCE
6.45%
9.28%
5.80%
EV
Common stock shares outstanding
21,500
21,500
21,500
Price
365.00
114.20%
170.40
-3.51%
176.60
-23.05%
Market cap
7,847,500
114.20%
3,663,600
-3.51%
3,796,900
-23.05%
EV
5,918,976
(3,616,768)
2,186,807
EBITDA
1,685,547
2,283,668
1,091,493
EV/EBITDA
3.51
2.00
Interest
845,447
547,605
210,318
Interest/NOPBT
52.28%
24.63%
19.82%