SaveLend Group ABOSTO:YIELD -7.14%57 Quick Ratio is 1.09 as of Dec. 2025, which is 11% above its 10-year median of 0.98. GuruFocus rates OSTO:YIELD with a GF Score™ of 57/100 and a GF Value™ of kr1.70 (Fairly Valued). The stock has 4 warning signs investors should review. Among 394 Credit Services companies, SaveLend Group AB ranks worse than 84.77% on this metric.
SaveLend Group AB has a quick ratio of 1.09. It generally indicates good short-term financial strength.
The historical rank and industry rank for SaveLend Group AB's Quick Ratio or its related term are showing as below:
OSTO:YIELD'
s Quick Ratio Range Over the Past 10 Years
Min: 0.74 Med: 0.98 Max: 1.09
Current: 1.09
During the past 7 years, SaveLend Group AB's highest Quick Ratio was 1.09. The lowest was 0.74. And the median was 0.98.
OSTO:YIELD's Quick Ratio is ranked worse than 84.77% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs OSTO:YIELD: 1.09
SaveLend Group AB (OSTO:YIELD) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
SaveLend Group AB Quick Ratio Related Terms
SaveLend Group AB Quick Ratio Historical Data
* Premium members only.
The historical data trend for SaveLend Group AB's Quick Ratio 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.
For the Credit Services subindustry, SaveLend Group AB's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's Quick Ratio distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
SaveLend Group AB's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (OSTO:YIELD) has a Quick Ratio of 1.09 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on SaveLend Group AB and its competitors. This is 11% above median its historical median of 0.98. Over the past decade, SaveLend Group AB's Quick Ratio has ranged from 0.74 to 1.09. According to the industry distribution chart, SaveLend Group AB ranks #334 out of 394 companies in the Credit Services industry, placing it in the top 84.8%.
Is SaveLend Group AB's Quick Ratio too high?
SaveLend Group AB's current Quick Ratio of 1.09 is 11% above median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.74 to a high of 1.09. The Credit Services industry median Quick Ratio is 4.86. SaveLend Group AB's value of 1.09 is 77.5% below this industry median. Based on the distribution chart, SaveLend Group AB ranks #334 out of 394 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SaveLend Group AB has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #334 out of 394 companies for Quick Ratio. This places SaveLend Group AB in the lower half of its industry. The industry median Quick Ratio is 4.86. SaveLend Group AB's value of 1.09 is 77.5% below this benchmark. Historically, SaveLend Group AB's own Quick Ratio has ranged from 0.74 to 1.09 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 4.86, SaveLend Group AB has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SaveLend Group AB's current Quick Ratio of 1.09 is 77.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on SaveLend Group AB and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SaveLend Group AB's current Quick Ratio is 1.09, which is 11% above median its own 10-year median of 0.98. 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 kr1.70, compared to a current price of kr1.56 — trading 8.2% below its estimated fair value. The current Quick Ratio is 1.09, which is 11% above median its 10-year median of 0.98 and 77.5% below the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For SaveLend Group AB (OSTO:YIELD), the current Quick Ratio is 1.09 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 undervalued.
The current stock price of kr1.56 is trading 8.2% below its estimated GF Value™ of kr1.70.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
Quick Ratio: 1.09 (11% above median its 10-year median of 0.98)
GF Value™: kr1.70 vs. price of kr1.56 (8.2% below fair value)
Industry Position: 77.5% below the Credit Services median (#334 of 394)
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.
57GF Score
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