Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
SaveLend Group ABOSTO:YIELD 59 Net Current Asset Value is kr-0.57 as of Dec. 2025. GuruFocus rates OSTO:YIELD with a GF Score™ of 59/100 and a GF Value™ of kr1.69 (Fairly Valued). The stock has 4 warning signs investors should review. Among 279 Credit Services companies, SaveLend Group AB ranks worse than 358422.58% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
SaveLend Group AB's net current asset value per share for the quarter that ended in Dec. 2025 was kr-0.57.
The historical rank and industry rank for SaveLend Group AB's Net Current Asset Value or its related term are showing as below:
OSTO:YIELD's Price-to-Net-Current-Asset-Value is not ranked *
in the Credit Services industry.
Industry Median: 2.16 * Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
SaveLend Group AB (OSTO:YIELD) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
SaveLend Group AB Net Current Asset Value Related Terms
SaveLend Group AB Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for SaveLend Group AB's Net Current Asset Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OSTO:YIELD vs V, MA, AXP: Net Current Asset Value Comparison
For the Credit Services subindustry, SaveLend Group AB's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SaveLend Group AB Price-to-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB's Price-to-Net-Current-Asset-Value falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Net Current Asset Value of kr-0.57 mean?
SaveLend Group AB (OSTO:YIELD) has a Net Current Asset Value of kr-0.57 as of Dec. 2025. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on SaveLend Group AB and its competitors. According to the industry distribution chart, SaveLend Group AB ranks #999999 out of 279 companies in the Credit Services industry.
Is SaveLend Group AB's Net Current Asset Value too high?
SaveLend Group AB's current Net Current Asset Value is kr-0.57. Based on the distribution chart, SaveLend Group AB ranks #999999 out of 279 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SaveLend Group AB has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Net Current Asset Value compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #999999 out of 279 companies for Net Current Asset Value. This places SaveLend Group AB in the lower half of its industry. The industry median Net Current Asset Value is 2.16. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 2.16, based on 279 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on SaveLend Group AB and its competitors. For the Credit Services industry, the median Net Current Asset Value is 2.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SaveLend Group AB's current Net Current Asset Value is kr-0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SaveLend Group AB stock overvalued right now?
Based on GuruFocus' analysis, SaveLend Group AB (OSTO:YIELD) is currently considered Fairly Valued. The stock's GF Value™ is kr1.69, compared to a current price of kr1.80 — trading 6.2% above its estimated fair value. The current Net Current Asset Value is kr-0.57. SaveLend Group AB's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For SaveLend Group AB (OSTO:YIELD), the current Net Current Asset Value is kr-0.57 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SaveLend Group AB (OSTO:YIELD) Overvalued in 2026?
Based on GuruFocus' analysis, SaveLend Group AB stock appears to be overvalued.
The current stock price of kr1.80 is trading 6.2% above its estimated GF Value™ of kr1.69.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
Net Current Asset Value: kr-0.57
GF Value™: kr1.69 vs. price of kr1.80 (6.2% above fair value)
No single metric tells the full story. See the OSTO:YIELD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SaveLend Group AB is fintech company engaged in the peer-to-peer lending segment. The group has two operating segments. The Savings Platform encompasses all activities related to savers and intermediated loans. The Invoice Platform is the operating segment that includes all invoice service activities.
59GF Score
Get the complete analysis for OSTO:YIELD
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OSTO:YIELD has been successfully added to your 
