(QLIRO) Qliro - Ratings and Ratios
Payment Solutions, Pay Later Options, Personal Loans, Savings Accounts
QLIRO EPS (Earnings per Share)
QLIRO Revenue
Description: QLIRO Qliro
Qliro AB is a fintech company that specializes in digital payment solutions, catering to both large enterprises and small to medium-sized merchants across the Nordic region. Their comprehensive suite of services includes online payment products such as invoicing, Buy Now Pay Later, and partial payments, alongside personal loans and savings accounts for consumers in Sweden. With a diverse range of payment methods, including card transactions, direct bank transfers, and other payment options, Qliro AB has established itself as a versatile player in the fintech landscape. As a subsidiary of Nelly Group AB, Qliro AB leverages its parent companys resources to drive innovation and expansion in the digital financial services sector.
Analyzing Qliro ABs market presence, its evident that the company operates in a highly competitive environment. The fintech industry is characterized by rapid technological advancements and evolving consumer preferences. Qliro ABs ability to adapt to these changes will be crucial in maintaining its market position. With a focus on digital checkout payment solutions and consumer financial services, the company is well-positioned to capitalize on the growing demand for online payment systems and digital banking services.
From a technical analysis perspective, Qliro ABs stock has shown a recent uptrend, with the last price of 23.30 SEK being above its 20-day and 50-day simple moving averages (SMA20 and SMA50) of 20.37 SEK and 20.39 SEK, respectively. The stock is closely aligned with its 200-day simple moving average (SMA200) of 23.26 SEK, indicating a potential stabilization around this level. The Average True Range (ATR) of 1.27 SEK, equivalent to 5.43%, suggests moderate volatility. Given these technical indicators, a potential short-term target could be the 52-week high of 29.80 SEK, contingent on sustained upward momentum.
Fundamentally, Qliro ABs market capitalization stands at 488.37M SEK, with a negative Return on Equity (RoE) of -7.66%, indicating that the company is currently not generating profits for its shareholders. The absence of P/E and forward P/E ratios further underscores the companys current unprofitability. However, this also presents an opportunity for investors to assess the companys potential for future growth and turnaround. If Qliro AB can successfully expand its customer base, enhance its service offerings, and improve its operational efficiency, it may be able to achieve profitability in the future.
Forecasting Qliro ABs future performance involves integrating both technical and fundamental data. Assuming the company can address its current profitability challenges and leverage its fintech capabilities to drive growth, a potential upside could be anticipated. If the stock maintains its current upward trajectory and surpasses its 52-week high of 29.80 SEK, it could target higher levels, potentially reaching 35-40 SEK in the medium term, driven by improved fundamental performance and sustained investor interest. However, this forecast is contingent on Qliro ABs ability to execute its business strategy effectively and navigate the competitive fintech landscape.
QLIRO Stock Overview
Market Cap in USD | 60m |
Sub-Industry | Renewable Electricity |
IPO / Inception |
QLIRO Stock Ratings
Growth Rating | -48.7% |
Fundamental | 48.7% |
Dividend Rating | - |
Return 12m vs S&P 500 | -33.2% |
Analyst Rating | - |
QLIRO Dividends
Currently no dividends paidQLIRO Growth Ratios
Growth Correlation 3m | 37% |
Growth Correlation 12m | -61.9% |
Growth Correlation 5y | -32.3% |
CAGR 5y | -12.45% |
CAGR/Max DD 5y | -0.15 |
Sharpe Ratio 12m | -1.08 |
Alpha | -27.64 |
Beta | 0.276 |
Volatility | 64.76% |
Current Volume | 103.3k |
Average Volume 20d | 35.6k |
Stop Loss | 18.3 (-6.2%) |
Signal | 0.53 |
Piotroski VR‑10 (Strict, 0-10) 2.0
Net Income (-69.2m TTM) > 0 and > 6% of Revenue (6% = 29.3m TTM) |
FCFTA 0.09 (>2.0%) and ΔFCFTA -2.00pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
NWC/Revenue 580.1% (prev 515.7%; Δ 64.32pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
CFO/TA 0.01 (>3.0%) and CFO 20.4m > Net Income -69.2m (YES >=105%, WARN >=100%) |
Net Debt (2.60b) to EBITDA (40.1m) ratio: 64.88 <= 3.0 (WARN <= 3.5) |
Current Ratio 44.13 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
Outstanding Shares last Quarter (21.9m) change vs 12m ago -99.89% (target <= -2.0% for YES) |
Gross Margin 79.06% (prev 70.48%; Δ 8.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
Asset Turnover 14.32% (prev 16.99%; Δ -2.68pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
Interest Coverage Ratio -55.67 (EBITDA TTM 40.1m / Interest Expense TTM 300.0k) >= 6 (WARN >= 3) |
Altman Z'' 6.04
(A) 0.84 = (Total Current Assets 2.90b - Total Current Liabilities 65.7m) / Total Assets 3.37b |
(B) 0.12 = Retained Earnings (Balance) 412.0m / Total Assets 3.37b |
(C) -0.00 = EBIT TTM -16.7m / Avg Total Assets 3.41b |
(D) 0.14 = Book Value of Equity 412.0m / Total Liabilities 2.84b |
Total Rating: 6.04 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.70
1. Piotroski 2.0pt = -3.0 |
2. FCF Yield 11.77% = 5.0 |
3. FCF Margin 62.35% = 7.50 |
4. Debt/Equity 5.12 = -2.50 |
5. Debt/Ebitda 66.52 = -2.50 |
6. ROIC - WACC data missing |
7. RoE -13.14% = -2.19 |
8. Rev. Trend -22.87% = -1.14 |
9. Rev. CAGR -0.45% = -0.08 |
10. EPS Trend 4.22% = 0.11 |
11. EPS CAGR -1141 % = -2.50 |
What is the price of QLIRO shares?
Over the past week, the price has changed by -14.10%, over one month by -19.75%, over three months by -2.26% and over the past year by -21.84%.
Is Qliro a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of QLIRO is around 16.82 SEK . This means that QLIRO is currently overvalued and has a potential downside of -13.74%.
Is QLIRO a buy, sell or hold?
What are the forecasts/targets for the QLIRO price?
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 23 | 17.9% |
Analysts Target Price | - | - |
ValueRay Target Price | 18.5 | -5.1% |
QLIRO Fundamental Data Overview
Market Cap SEK = 571.2m (571.2m SEK * 1.0 SEK.SEK)
CCE Cash And Equivalents = 651.1m SEK (Cash And Short Term Investments, last fiscal year)
P/S = 2.0176
P/B = 1.0671
Beta = 0.821
Revenue TTM = 488.5m SEK
EBIT TTM = -16.7m SEK
EBITDA TTM = 40.1m SEK
Long Term Debt = 2.60b SEK (from longTermDebt, last quarter)
Short Term Debt = 65.7m SEK (from totalCurrentLiabilities, last quarter)
Debt = 2.67b SEK (Calculated: Short Term 65.7m + Long Term 2.60b)
Net Debt = 2.60b SEK (from netDebt column, last quarter)
Enterprise Value = 2.59b SEK (571.2m + Debt 2.67b - CCE 651.1m)
Interest Coverage Ratio = -55.67 (Ebit TTM -16.7m / Interest Expense TTM 300.0k)
FCF Yield = 11.77% (FCF TTM 304.6m / Enterprise Value 2.59b)
FCF Margin = 62.35% (FCF TTM 304.6m / Revenue TTM 488.5m)
Net Margin = -14.17% (Net Income TTM -69.2m / Revenue TTM 488.5m)
Gross Margin = 79.06% ((Revenue TTM 488.5m - Cost of Revenue TTM 102.3m) / Revenue TTM)
Tobins Q-Ratio = 6.28 (Enterprise Value 2.59b / Book Value Of Equity 412.0m)
Interest Expense / Debt = 0.00% (Interest Expense 100.0k / Debt 2.67b)
Taxrate = unknown
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 44.13 (Total Current Assets 2.90b / Total Current Liabilities 65.7m)
Debt / Equity = 5.12 (Debt 2.67b / last Quarter total Stockholder Equity 520.7m)
Debt / EBITDA = 66.52 (Net Debt 2.60b / EBITDA 40.1m)
Debt / FCF = 8.76 (Debt 2.67b / FCF TTM 304.6m)
Total Stockholder Equity = 526.6m (last 4 quarters mean)
RoA = -2.06% (Net Income -69.2m, Total Assets 3.37b )
RoE = -13.14% (Net Income TTM -69.2m / Total Stockholder Equity 526.6m)
RoCE = -0.53% (Ebit -16.7m / (Equity 526.6m + L.T.Debt 2.60b))
RoIC = unknown (NOPAT none, Invested Capital 1.76b, Ebit -16.7m)
WACC = unknown (E(571.2m)/V(3.24b) * Re(7.03%)) + (D(2.67b)/V(3.24b) * Rd(0.00%) * (1-Tc(none)))
Shares Correlation 5-Years: 20.0 | Cagr: -81.32%
Discount Rate = 7.03% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈335.6m ; Y1≈220.4m ; Y5≈100.8m
Fair Price DCF = 70.05 (DCF Value 1.98b / Shares Outstanding 28.3m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: -22.87 | Revenue CAGR: -0.45%
Rev Growth-of-Growth: -24.72
EPS Correlation: 4.22 | EPS CAGR: -1141 %
EPS Growth-of-Growth: -301.1