(RESURS) Resurs Holding - Ratings and Ratios
Payment Plans, Consumer Loans, Credit Cards
RESURS EPS (Earnings per Share)
RESURS Revenue
Description: RESURS Resurs Holding
Resurs Holding AB is a consumer finance company operating in Sweden, Norway, Finland, and Denmark, offering payment solutions and consumer loans through its subsidiaries. The company has two main segments: Payment Solutions and Consumer Loans, providing a range of financial services including retail finance, payment and loyalty solutions, invoice factoring, and unsecured and secured loans.
From a business perspective, Resurs Holding ABs revenue streams are likely driven by interest income from consumer loans and fees from payment solutions. Key performance indicators (KPIs) to watch include the companys loan book growth, delinquency rates, and average interest rates charged on loans. Additionally, the companys ability to maintain a competitive edge in the consumer finance market, through its digital channels and partnerships with retail finance partners, is crucial.
To evaluate Resurs Holding ABs financial health, we can examine metrics such as the loan loss provision (LLP) ratio, which indicates the companys provisioning for potential loan losses. A lower LLP ratio suggests a healthier loan book. Other relevant KPIs include the companys capital adequacy ratio (CAR), which measures its regulatory capital against risk-weighted assets, and the return on assets (ROA), which indicates the companys asset utilization efficiency. A CAR of above 15% and an ROA of above 1% are generally considered healthy.
Resurs Holding ABs valuation can be assessed using metrics such as the price-to-book (P/B) ratio, which compares the companys market capitalization to its book value. A P/B ratio of around 1-2 is considered reasonable for a consumer finance company. Additionally, the companys dividend yield and payout ratio can provide insights into its shareholder returns and dividend sustainability.
RESURS Stock Overview
| Market Cap in USD | 603m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
RESURS Stock Ratings
| Growth Rating | 17.4% |
| Fundamental | 57.2% |
| Dividend Rating | 1.0% |
| Return 12m vs S&P 500 | 5.36% |
| Analyst Rating | - |
RESURS Dividends
Currently no dividends paidRESURS Growth Ratios
| Growth Correlation 3m | 89.2% |
| Growth Correlation 12m | 85.2% |
| Growth Correlation 5y | -48.8% |
| CAGR 5y | -3.60% |
| CAGR/Max DD 5y | -0.05 |
| Sharpe Ratio 12m | -0.21 |
| Alpha | 18.67 |
| Beta | 0.071 |
| Volatility | 11.91% |
| Current Volume | 20.7k |
| Average Volume 20d | 16.3k |
| Stop Loss | 27 (-3.2%) |
| Signal | -2.98 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (173.0m TTM) > 0 and > 6% of Revenue (6% = 311.0m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 3.02pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -623.5% (prev -733.7%; Δ 110.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.08 (>3.0%) and CFO -4.01b <= Net Income 173.0m (YES >=105%, WARN >=100%) |
| Net Debt (3.07b) to EBITDA (714.7m) ratio: 4.29 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (200.0m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 70.45% (prev 63.03%; Δ 7.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.15% (prev 9.42%; Δ 0.73pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.19 (EBITDA TTM 714.7m / Interest Expense TTM 1.53b) >= 6 (WARN >= 3) |
Altman Z'' -3.72
| (A) -0.64 = (Total Current Assets 3.08b - Total Current Liabilities 35.40b) / Total Assets 50.34b |
| (B) 0.10 = Retained Earnings (Balance) 5.06b / Total Assets 50.34b |
| (C) 0.01 = EBIT TTM 293.7m / Avg Total Assets 51.08b |
| (D) 0.12 = Book Value of Equity 5.06b / Total Liabilities 42.62b |
| Total Rating: -3.72 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 57.19
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 5.96% = 2.98 |
| 3. FCF Margin 50.84% = 7.50 |
| 4. Debt/Equity 5.36 = -2.50 |
| 5. Debt/Ebitda 57.90 = -2.50 |
| 6. ROIC - WACC 0.45% = 0.56 |
| 7. RoE 2.23% = 0.19 |
| 8. Rev. Trend 83.88% = 4.19 |
| 9. Rev. CAGR 16.90% = 2.11 |
| 10. EPS Trend -42.47% = -1.06 |
| 11. EPS CAGR -14.23% = -1.78 |
What is the price of RESURS shares?
Over the past week, the price has changed by -5.10%, over one month by +1.45%, over three months by +11.38% and over the past year by +23.23%.
Is Resurs Holding a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RESURS is around 30.42 SEK . This means that RESURS is currently overvalued and has a potential downside of 9.03%.
Is RESURS a buy, sell or hold?
What are the forecasts/targets for the RESURS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 20 | -28.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 32.1 | 15% |
RESURS Fundamental Data Overview
Market Cap SEK = 5.74b (5.74b SEK * 1.0 SEK.SEK)
CCE Cash And Equivalents = 2.91b SEK (Cash And Short Term Investments, last quarter)
P/E Trailing = 56.2745
P/E Forward = 6.8634
P/S = 2.5022
P/B = 0.7308
P/EG = 0.8388
Beta = 0.866
Revenue TTM = 5.18b SEK
EBIT TTM = 293.7m SEK
EBITDA TTM = 714.7m SEK
Long Term Debt = 6.00b SEK (from longTermDebt, last quarter)
Short Term Debt = 35.38b SEK (from shortTermDebt, last quarter)
Debt = 41.38b SEK (Calculated: Short Term 35.38b + Long Term 6.00b)
Net Debt = 3.07b SEK (from netDebt column, last quarter)
Enterprise Value = 44.21b SEK (5.74b + Debt 41.38b - CCE 2.91b)
Interest Coverage Ratio = 0.19 (Ebit TTM 293.7m / Interest Expense TTM 1.53b)
FCF Yield = 5.96% (FCF TTM 2.64b / Enterprise Value 44.21b)
FCF Margin = 50.84% (FCF TTM 2.64b / Revenue TTM 5.18b)
Net Margin = 3.34% (Net Income TTM 173.0m / Revenue TTM 5.18b)
Gross Margin = 70.45% ((Revenue TTM 5.18b - Cost of Revenue TTM 1.53b) / Revenue TTM)
Tobins Q-Ratio = 8.74 (Enterprise Value 44.21b / Book Value Of Equity 5.06b)
Interest Expense / Debt = 0.75% (Interest Expense 310.3m / Debt 41.38b)
Taxrate = 23.22% (from yearly Income Tax Expense: 60.6m / 261.0m)
NOPAT = 225.5m (EBIT 293.7m * (1 - 23.22%))
Current Ratio = 0.09 (Total Current Assets 3.08b / Total Current Liabilities 35.40b)
Debt / Equity = 5.36 (Debt 41.38b / last Quarter total Stockholder Equity 7.72b)
Debt / EBITDA = 57.90 (Net Debt 3.07b / EBITDA 714.7m)
Debt / FCF = 15.70 (Debt 41.38b / FCF TTM 2.64b)
Total Stockholder Equity = 7.77b (last 4 quarters mean)
RoA = 0.34% (Net Income 173.0m, Total Assets 50.34b )
RoE = 2.23% (Net Income TTM 173.0m / Total Stockholder Equity 7.77b)
RoCE = 2.13% (Ebit 293.7m / (Equity 7.77b + L.T.Debt 6.00b))
RoIC = 1.72% (NOPAT 225.5m / Invested Capital 13.13b)
WACC = 1.27% (E(5.74b)/V(47.12b) * Re(6.28%)) + (D(41.38b)/V(47.12b) * Rd(0.75%) * (1-Tc(0.23)))
Shares Correlation 5-Years: 0.0 | Cagr: 0.0%
Discount Rate = 6.28% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈2.04b ; Y1≈1.34b ; Y5≈612.5m
Fair Price DCF = 60.19 (DCF Value 12.04b / Shares Outstanding 200.0m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 83.88 | Revenue CAGR: 16.90%
Rev Growth-of-Growth: -23.05
EPS Correlation: -42.47 | EPS CAGR: -14.23%
EPS Growth-of-Growth: 96.96