SaveLend Group AB (FRA:70D) Operating Income: €-0.22 Mil (TTM As of Dec. 2025)

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FRA:70D SaveLend Group AB FRA:70D
57 GF Score
Price €0.14
GF Value €0.13
! 4 Warning Signs
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What is SaveLend Group AB Operating Income?

SaveLend Group AB FRA:70D -2.03% 57 Operating Income is €-0.22 Mil as of Dec. 2025. GuruFocus rates FRA:70D with a GF Score™ of 57/100 and a GF Value™ of €0.13. The stock has 4 warning signs investors should review.

SaveLend Group AB's Operating Income for the three months ended in Dec. 2025 was €-0.22 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.22 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. SaveLend Group AB's Operating Income for the three months ended in Dec. 2025 was €-0.22 Mil. SaveLend Group AB's Revenue for the three months ended in Dec. 2025 was €2.72 Mil. Therefore, SaveLend Group AB's Operating Margin % for the quarter that ended in Dec. 2025 was -8.10%.

Good Sign:

SaveLend Group AB operating margin is expanding. Margin expansion is usually a good sign.

SaveLend Group AB's 5-Year average Growth Rate for Operating Margin % was 5.60% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. SaveLend Group AB's annualized ROC % for the quarter that ended in Dec. 2025 was -0.59%. SaveLend Group AB's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -38.51%.

SaveLend Group AB  (FRA:70D) Operating Income Explanation

1. Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

SaveLend Group AB's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Jun. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=-0.88 * ( 1 - 78.06% )/( (30.881 + 34.793)/ 2 )
=-0.193072/32.837
=-0.59 %

where

Invested Capital(Q: Jun. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=32.265 - 0.61 - ( 0.774 - max(0, 20.43 - 22.288+0.774))
=30.881

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=36.04 - 0.546 - ( 0.701 - max(0, 24.422 - 26.515+0.701))
=34.793

Note: The Operating Income data used here is four times the quarterly (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

SaveLend Group AB's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Jun. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-0.876/( ( (0.941 + max(0.938, 0)) + (0.604 + max(2.067, 0)) )/ 2 )
=-0.876/( ( 1.879 + 2.671 )/ 2 )
=-0.876/2.275
=-38.51 %

where Working Capital is:

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.23 + 0 + 20.291) - (0.61 + 0 + 18.973)
=0.938

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.047 + 0 + 25.056) - (0.546 + 0 + 22.49)
=2.067

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Dec. 2025) EBIT data.

3. Operating Income is also linked to Operating Margin %:

SaveLend Group AB's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-0.22/2.716
=-8.10 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

SaveLend Group AB Operating Income Related Terms

SaveLend Group AB Operating Income Historical Data

* Premium members only.

The historical data trend for SaveLend Group AB's Operating Income 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.

SaveLend Group AB Operating Income Chart

SaveLend Group AB Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Operating Income
Get a 7-Day Free Trial -2.42 -2.05 -2.41 -2.24 -1.60

SaveLend Group AB Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Jun25 Dec25
Operating Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.46 -0.38 -0.68 0.00 -0.22
FRA:70D
57GF Score
SaveLend Group AB FRA:70D
Operating Income is just one metric. See GF Score™, valuation, warning signs, and more.
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SaveLend Group AB Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €-0.22 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of €-0.22 Mil mean?
SaveLend Group AB (FRA:70D) has a Operating Income of €-0.22 Mil as of Dec. 2025. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on SaveLend Group AB and its competitors.
Is SaveLend Group AB's Operating Income too high?
SaveLend Group AB's current Operating Income is €-0.22 Mil. Overall, SaveLend Group AB has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Operating Income compare to V and MA?
SaveLend Group AB's Operating Income of €-0.22 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on SaveLend Group AB and its competitors. SaveLend Group AB's current Operating Income is €-0.22 Mil. 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?
SaveLend Group AB (FRA:70D) has a current Operating Income of €-0.22 Mil. The stock's GF Value™ is €0.13, compared to a current price of €0.14 — trading 11.2% above its estimated fair value. The current Operating Income is €-0.22 Mil. SaveLend Group AB's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Income calculated?
Operating Income is calculated from a company's financial statements. For SaveLend Group AB (FRA:70D), the current Operating Income is €-0.22 Mil 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 (FRA:70D) Overvalued in 2026?

Based on GuruFocus' analysis, SaveLend Group AB stock appears to be overvalued. The current stock price of €0.14 is trading 11.2% above its estimated GF Value™ of €0.13.

Key valuation signals for FRA:70D:

  • Operating Income: €-0.22 Mil
  • GF Value™: €0.13 vs. price of €0.14 (11.2% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the FRA:70D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SaveLend Group AB Business Description

Other Exchanges YIELD:Sweden
Address Kammakargatan 7, Stockholm, SWE, 111 40
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.
57GF Score

Get the complete analysis for FRA:70D

Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.14
Price
€0.13
GF Value