SaveLend Group AB (FRA:70D) Retained Earnings: €-12.60 Mil (As of Dec. 2025)

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FRA:70D SaveLend Group AB FRA:70D
58 GF Score
Price €0.14
GF Value €0.13
! 4 Warning Signs
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What is SaveLend Group AB Retained Earnings?

SaveLend Group AB FRA:70D +0.74% 58 Retained Earnings is €-12.60 Mil as of Dec. 2025. GuruFocus rates FRA:70D with a GF Score™ of 58/100 and a GF Value™ of €0.13. The stock has 4 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. SaveLend Group AB's retained earnings for the quarter that ended in Dec. 2025 was €-12.60 Mil.

SaveLend Group AB's quarterly retained earnings declined from Dec. 2024 (€-11.44 Mil) to Jun. 2025 (€-12.24 Mil) and declined from Jun. 2025 (€-12.24 Mil) to Dec. 2025 (€-12.60 Mil).

SaveLend Group AB's annual retained earnings declined from Dec. 2023 (€-9.77 Mil) to Dec. 2024 (€-11.44 Mil) and declined from Dec. 2024 (€-11.44 Mil) to Dec. 2025 (€-12.60 Mil).


SaveLend Group AB  (FRA:70D) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


SaveLend Group AB Retained Earnings Historical Data

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The historical data trend for SaveLend Group AB's Retained Earnings 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 Retained Earnings Chart

SaveLend Group AB Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial -6.78 -8.88 -9.77 -11.44 -12.60

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
Retained Earnings 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 -10.61 -10.91 -11.44 -12.24 -12.60
FRA:70D
58GF Score
SaveLend Group AB FRA:70D
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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SaveLend Group AB Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €-12.60 Mil mean?
SaveLend Group AB (FRA:70D) has a Retained Earnings of €-12.60 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on SaveLend Group AB and its competitors.
Is SaveLend Group AB's Retained Earnings too high?
SaveLend Group AB's current Retained Earnings is €-12.60 Mil. Overall, SaveLend Group AB has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Retained Earnings compare to V and MA?
SaveLend Group AB's Retained Earnings of €-12.60 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 Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on SaveLend Group AB and its competitors. SaveLend Group AB's current Retained Earnings is €-12.60 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 Retained Earnings of €-12.60 Mil. The stock's GF Value™ is €0.13, compared to a current price of €0.14 — trading 4.6% above its estimated fair value. The current Retained Earnings is €-12.60 Mil. SaveLend Group AB's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For SaveLend Group AB (FRA:70D), the current Retained Earnings is €-12.60 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 4.6% above its estimated GF Value™ of €0.13.

Key valuation signals for FRA:70D:

  • Retained Earnings: €-12.60 Mil
  • GF Value™: €0.13 vs. price of €0.14 (4.6% above fair value)
  • GF Score™: 58/100 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.
58GF Score

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

€0.14
Price
€0.13
GF Value