Delfin S.R.L.
DGR1R.RI operates in the consumer lending sector, providing financial services to individuals and small businesses, primarily through loan products and credit solutions.
Business. DGR1R.RI is a financial services company operating within the Consumer Lending industry and the broader Banking & Investment Services sector. The firm engages in banking activities and generates revenue primarily through a fee-income model. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
At a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- 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
Signals & dispatch
Composite-score breakdown
Synthesis
DGR1R.RI is a financial services company operating within the Consumer Lending industry and the broader Banking & Investment Services sector. The firm engages in banking activities and generates revenue primarily through a fee-income model. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.
DGR1R.RI has a liquidity profile that is currently medium, with a current ratio of 0.53, indicating that its current liabilities exceed its current assets. The company's debt-to-equity ratio is 4.19, which is relatively high, suggesting a significant reliance on debt financing. The company's free cash flow is positive at 6.23 million EUR, but its operating cash flow is negative at -18.46 million EUR, indicating that its core operations are not generating sufficient cash to cover its expenses.
In terms of profitability, DGR1R.RI has a return on equity (ROE) of 31.9%, which is a strong indicator of the company's ability to generate profits from shareholders' equity. The return on assets (ROA) is 5.91%, which is a moderate return given the company's asset base. These metrics suggest that the company is effectively utilizing its equity but may need to improve its asset utilization to enhance overall profitability.
DGR1R.RI's revenue is concentrated in a single business segment, as disclosed in its financial statements, with no specific geographic breakdown provided. This lack of diversification could pose a risk if the company's primary market experiences economic downturns or regulatory changes. The company's exposure to a single segment may limit its ability to adapt to changing market conditions.
The company's growth trajectory is mixed, with a current fiscal year (FY) revenue of 78.24 million EUR and a mean analyst estimate of 90.55 million EUR for the next FY. This suggests a potential growth rate of approximately 15.8% if the company meets the analyst estimates. However, the company's operating cash flow is negative, which could hinder its ability to fund growth initiatives without external financing.
DGR1R.RI faces several risk factors, including a high debt-to-equity ratio and a negative net cash position after subtracting total debt. The company's liquidity risk is medium, and its dilution risk is low, with no significant dilution potential identified in the basic shares outstanding. The company's financial structure and reliance on debt financing could increase its vulnerability to interest rate fluctuations and credit market conditions.
Recent events and filings indicate that DGR1R.RI has maintained a consistent revenue and profit margin, with a slight increase in revenue from the previous year. The company's earnings per share (EPS) have also shown a slight improvement, with a last actual EPS of 0.21 EUR and a mean EPS estimate of 0.24 EUR for the next fiscal year. These indicators suggest that the company is on a stable financial path, but it must address its liquidity and debt management to sustain long-term growth.
- DGR1R.RI has a strong return on equity (31.9%) but a moderate return on assets (5.91%), indicating effective use of equity but room for improvement in asset utilization.
- The company's liquidity is medium, with a current ratio of 0.53 and a negative operating cash flow, which could impact its ability to meet short-term obligations.
- DGR1R.RI's debt-to-equity ratio is 4.19, suggesting a high reliance on debt financing, which increases financial risk.
- The company's revenue is concentrated in a single business segment, which could pose a risk if the primary market experiences downturns.
- Analysts expect a 15.8% growth in revenue for the next fiscal year, but the company must address its liquidity and debt management to sustain this growth.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,24 |
| Revenue | —no estimate | —no estimate | 90,5M EUR |
| Operating income | —no estimate | —no estimate | 14,7M EUR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- DGR1R.RI Market data — financials · 2026-05-27
- DelfinGroup AS Market data — analyst estimates · 2026-05-27
Ownership & reference
Leadership
- Agris EvertovskisChairman of the Supervisory Board
- Aldis UmblejsMember of the Management Board
- Sanita ZitmaneMember of the Management Board