ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. SaveLend Group AB's annualized return on invested capital (ROIC %) for the quarter that ended in Dec. 2025 was -0.59%.
As of today (2026-07-02), SaveLend Group AB's WACC % is 1.38%. SaveLend Group AB's ROIC % is -0.15% (calculated using TTM income statement data).
SaveLend Group AB earns returns that do not match up to its cost of capital. It will destroy value as it grows.
SaveLend Group AB (OSTO:YIELD) ROIC % Explanation
ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROIC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, SaveLend Group AB's WACC % is 1.38%. SaveLend Group AB's ROIC % is -0.15% (calculated using TTM income statement data).
SaveLend Group AB earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
Like ROE % and ROA %, ROIC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
SaveLend Group AB ROIC % Related Terms
SaveLend Group AB ROIC % Historical Data
* Premium members only.
The historical data trend for SaveLend Group AB's ROIC % 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 ROIC %, along with its competitors' market caps and ROIC % 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 ROIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's ROIC % distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB's ROIC % falls into.
Note:
The Operating Income data used here is four times the quarterly (Dec. 2025) data.
The tax rate is limited to between 0% and 100%.
* 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 ROIC % of -0.59% as of Dec. 2025. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on SaveLend Group AB and its competitors.
Is SaveLend Group AB's ROIC % too high?
SaveLend Group AB's current ROIC % is -0.59%. 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 ROIC % compare to V and MA?
SaveLend Group AB's ROIC % of -0.59% can be compared against companies in the Credit Services industry. The industry median ROIC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for a Credit Services company?
The median ROIC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on SaveLend Group AB and its competitors. For the Credit Services industry, the median ROIC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SaveLend Group AB's current ROIC % is -0.59%. 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 ROIC % is -0.59%. 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 ROIC % calculated?
ROIC % is calculated from a company's financial statements. For SaveLend Group AB (OSTO:YIELD), the current ROIC % is -0.59% 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:
ROIC %: -0.59%
GF Value™: kr1.70 vs. price of kr1.56 (8.2% below 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.
57GF Score
Get the complete analysis for OSTO:YIELD
ROIC % 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 
