2120.Se
2120.SE operates in the consumer lending segment of the banking industry, providing financial services to individual consumers through credit and loan products.
Business. 2120.SE operates in the consumer lending segment of the banking industry, providing financial services to individual consumers through credit and loan products.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
2120.SE operates in the consumer lending segment of the banking industry, providing financial services to individual consumers through credit and loan products.
The company's capital structure is characterized by a debt-to-equity ratio of 0.16, indicating a relatively low level of leverage. Despite this, the company's liquidity position is assessed as medium, with a current ratio of 2.1, suggesting it has sufficient short-term assets to cover its liabilities, but with limited excess. The company's free cash flow is negative at -220.8 million, which may indicate a need for external financing or a strategic investment in growth.
Profitability metrics show a return on equity of -16.07% and a return on assets of -13.61%, both significantly below the industry median for consumer lending, indicating poor performance relative to its peers. The company reported a net loss of 162.5 million, with operating income also in the red at -146.3 million, highlighting a challenging operating environment.
The company's revenue is not disclosed by segment or geography, but the negative revenue figure of -151.6 million suggests a significant decline in business activity or a reclassification of financial results. The lack of segmental data limits the ability to assess geographic or product-specific performance.
Looking ahead, the company's growth trajectory is uncertain, with no specific numeric deltas provided for the current or next fiscal year. The negative operating cash flow of -146.3 million and the negative free cash flow of -220.8 million suggest a need for careful financial management and potential restructuring.
Risk factors include a medium liquidity risk, as the company's net cash is negative after subtracting total debt, and a low dilution risk, with no immediate pressure for share issuance. The company's capital expenditure of -418.5 thousand is minimal, indicating a conservative approach to asset investment.
Recent events, as reflected in the financial snapshot, include a significant net loss and negative operating income, which may be indicative of broader economic or industry-specific challenges. The company's financial health is further complicated by a negative revenue figure, which may require further investigation into the underlying causes.
- The company is experiencing a net loss and negative operating income, indicating poor financial performance.
- The debt-to-equity ratio is low, but the company's liquidity is only medium, suggesting potential cash flow constraints.
- The return on equity and return on assets are significantly below industry medians, indicating underperformance.
- The company's free cash flow is negative, which may necessitate external financing or strategic investment.
- The company's capital expenditure is minimal, suggesting a conservative approach to asset investment.
- The company's financial health is further complicated by a negative revenue figure, which may require further investigation.
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- Net cash is negative after subtracting total debt.
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- 2120.SE Market data — financials · 2026-05-26