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Qliro AB (QLIRO.ST)

SEK18.95 -0.05 (-0.26%)
SE STO Financial Services Financial - Credit Services
Address Sveavägen 151 113 46
Stockholm, STO, SE
CEO Christoffer Rutgersson
Website qliro.com
IPO 2020-10-02
ISIN SE0013719077

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Description

Qliro AB (publ) operates as a fintech company. The company offers payment solutions, such as complete checkout with various relevant payment options for direct payments (Pay Now) and invoicing and installments (Pay Later) in the Nordics for enterprise and small and medium enterprise merchants and their customers primarily in e-commerce. It also provides consumer financing, personal loans, and savings accounts. The company was incorporated in 2014 and is headquartered in Stockholm, Sweden. Qliro AB (publ) is a subsidiary of Nelly Group AB (publ).

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SEK18.95 -0.05 (-0.26%)
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Volume Profile
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Liquidity & share structure
Average Volume
63.5K
Beta
0.95
Float Shares
24.40M
Free Float %
89.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.27% +2.17% +5.32% -7.84% +4.74% +7.12% -1.83% +12.57% -56.98% -49.73% -49.73%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18.95
Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 0 0
Hold 0 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.40
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    +6.6% Q1'26: +16.9% (vs Q1'25)
  • EPS growth Financial - Credit Services: +24.0%
    -1,885,100.0% Q1'26: +89.8% (vs Q1'25)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    -100.4% Q1'26: +11.3% (vs Q1'25)
  • EBIT margin Financial - Credit Services: +28.7%
    -18.6% Q1'26: +1.5% (vs Q1'25)
  • ROIC Financial - Credit Services: +5.0%
    Q1'26: -157.1% (vs Q1'25)
  • Share dilution Financial - Credit Services: +0.0%
    +28.9% Q1'26: +32.8% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    -1.41× Q1'26: 0.68× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.81) × ERP
WACC = 79% × Ke + 21% × Kd (10.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 18.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
411.80M
est: 379.74M (+8.4%)
449.80M
est: 403.50M (+11.5%)
470.40M
est: 433.36M (+8.5%)
442.70M
est: 451.00M (-1.8%)
485.00M
est: 437.40M (+10.9%)
516.80M
est: 409.62M (+26.2%)
586.00M
586.00M – 586.00M
+43.1% YoY
704.00M
704.00M – 704.00M
+20.1% YoY
837.00M
837.00M – 837.00M
+18.9% YoY
EBITDA
20.60M
est: 25.55M (-19.4%)
45.80M
est: 27.14M (+68.7%)
-9.30M
est: 29.15M (-131.9%)
48.90M
est: 30.34M (+61.2%)
45.50M
est: 10.24M (+344.5%)
-87.50M
est: 9.59M (-1,012.8%)
13.71M
13.71M – 13.71M
+43.1% YoY
16.48M
16.48M – 16.48M
+20.1% YoY
19.59M
19.59M – 19.59M
+18.9% YoY
EBIT
-80.80M
est: -51.23M (-57.7%)
-50.20M
est: -54.44M (+7.8%)
-114.80M
est: -58.47M (-96.4%)
-24.20M
est: -60.85M (+60.2%)
-33.00M
est: -58.15M (+43.2%)
-96.30M
est: -54.45M (-76.8%)
-77.90M
-77.90M – -77.90M
-43.1% YoY
-93.59M
-93.59M – -93.59M
-20.1% YoY
-111.27M
-111.27M – -111.27M
-18.9% YoY
Net Income
-67.00M
est: -49.76B (+99.9%)
-39.90M
est: -35.78B (+99.9%)
-93.50M
est: -98.22B (+99.9%)
4.10M
est: 10.44B (-100.0%)
-21.90M
est: -2.62M (-737.1%)
-84.10M
est: -82.72M (-1.7%)
30.48M
30.48M – 30.48M
+136.8% YoY
70.55M
70.55M – 70.55M
+131.5% YoY
103.73M
103.73M – 103.73M
+47.0% YoY
SGA
71.50M
est: 75.75M (-5.6%)
81.50M
est: 80.49M (+1.3%)
132.10M
est: 86.45M (+52.8%)
82.40M
est: 89.97M (-8.4%)
85.20M
est: 90.15M (-5.5%)
106.80M
est: 84.42M (+26.5%)
120.77M
120.77M – 120.77M
+43.1% YoY
145.09M
145.09M – 145.09M
+20.1% YoY
172.50M
172.50M – 172.50M
+18.9% YoY
EPS
-3.73
est: -2.61 (-43.0%)
-2.23
est: -1.88 (-18.9%)
-4.91
est: -5.15 (+4.7%)
-1.13
est: 0.55 (-306.5%)
0.00
est: -0.11 (+100.2%)
-3.77
est: -3.37 (-12.0%)
1.24
1.24 – 1.24
+136.8% YoY
2.87
2.87 – 2.87
+131.5% YoY
4.22
4.22 – 4.22
+47.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-08 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-07 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-06 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-05 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-04 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-30 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-29 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-28 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-27 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-24 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-23 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-22 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-21 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-20 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-17 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-16 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-133.94M
OE per share TTM
-5.80
Owner's Yield
-25.13%
Maintenance CapEx ratio
10,378.51%
Maint CapEx / Avg PPE
4.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-460.8K
Shares Outstanding
27.14M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Christoffer Rutgersson Chief Executive Officer 5M male
Christofer Zetterquist Interim Chief Financial Officer male
Emma Lunde Chief Operating Officer female
Evelin Kaup Chief Product & Technology Officer female
Joel Nisses Chief Risk Officer male
Lina Natterlund Chief Analytics & Credit Officer female
Peder Alenius Chief Commercial Officer male
Robin Soubry Chief Strategy Officer male
Anna Engman Chief People Officer female
Sandra Arvidsson Chief Legal Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits