Enity Holding AB (publ)
Enity Holding AB (publ) operates in the consumer lending industry, providing financial services to individuals and small businesses, primarily through digital platforms and mobile applications.
Business. Enity Holding AB (publ) is a consumer lending company headquartered in Sweden and listed on the Nasdaq Stockholm exchange under the ticker ENITY.ST. The firm operates within the Banking & Investment Services industry, focusing on banking activities. Specific details regarding operating segments or geographic revenue mix are not available.
Analyst recommendations
2 analysts · consensus BuyAt a glance
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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
Signals & dispatch
Composite-score breakdown
Synthesis
Enity Holding AB (publ) is a consumer lending company headquartered in Sweden and listed on the Nasdaq Stockholm exchange under the ticker ENITY.ST. The firm operates within the Banking & Investment Services industry, focusing on banking activities. Specific details regarding operating segments or geographic revenue mix are not available.
Enity Holding AB (publ) maintains a capital structure with a debt-to-equity ratio of 1.33, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow for the period was 126.9 million SEK, while operating cash flow was negative at -98 million SEK.
Profitability metrics show a return on equity (ROE) of 5.52% and a return on assets (ROA) of 0.83%. These figures are below the typical thresholds for high-performing financial institutions, suggesting that Enity's returns are modest relative to its equity and asset base. The company's net income for the period was 318.9 million SEK, which is a positive indicator of earnings performance.
Geographically, Enity's revenue is concentrated in its domestic market, with no significant international operations disclosed. The company's business is primarily driven by its digital lending platform, which serves a broad customer base of individuals and small businesses. There are no material revenue contributions from other geographic regions or business segments.
The company's growth trajectory is expected to remain stable, with no significant changes in revenue or earnings anticipated in the near term. Analysts have provided a mean price target of 102.50 SEK, with a median of 102.50 SEK and a range from 100.00 to 105.00 SEK. The mean recommendation is 2.00, indicating a "buy" rating. However, the absence of strong-buy ratings suggests a cautious outlook among analysts.
Risk factors include a medium liquidity risk due to the negative net cash position and a low dilution risk, as the company has not issued additional shares recently. The risk assessment also highlights the potential for dilution if the company issues new shares in the future, though the probability is currently low.
Recent events include the publication of the latest financial results, which show a net income of 318.9 million SEK and a total equity of 5.78 billion SEK. The company has not disclosed any material changes in its business strategy or operations in the most recent filings.
- Enity Holding AB (publ) has a moderate debt-to-equity ratio of 1.33, indicating a balanced capital structure.
- The company's return on equity is 5.52%, which is below the industry average for high-performing financial institutions.
- Enity's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt.
- Analysts have provided a mean price target of 102.50 SEK, with a median of 102.50 SEK and a range from 100.00 to 105.00 SEK.
- The company's growth trajectory is expected to remain stable, with no significant changes in revenue or earnings anticipated in the near term.
- Risk factors include a medium liquidity risk and a low dilution risk, with no recent share issuance.
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 | 9,01 |
| Revenue | —no estimate | —no estimate | 1,7B SEK |
| Operating income | —no estimate | —no estimate | 281,5M SEK |
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
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Enity Holding AB (publ) Market data — financials · 2026-05-27
- Enity Holding AB (publ) Market data — analyst estimates · 2026-05-27