Lea Bank AB

Lea Bank AB has a liquidity position characterized by a debt-to-equity ratio of 0.1, indicating a relatively low level of leverage. The company's return on equity (ROE) is 8.22%, which is a measure of profitability relative to shareholders' equity. However, the return on assets (ROA) is 1.12%, suggesting that the company is not generating a high return on its total assets. The company's operating cash flow is negative at -469,127,000 SEK, and its free cash flow is also negative at -33,458,000 SEK, indicating that the company is not generating sufficient cash from operations to cover its capital expenditures.

In terms of profitability, Lea Bank AB's net income is 115,132,000 SEK, which is a positive figure but must be considered in the context of the banking industry's preferred metrics. The ROE of 8.22% is a key metric for banks, as it reflects the efficiency of the company in generating profits from shareholders' equity. The ROA of 1.12% is another important metric, as it indicates the company's ability to generate profits from its total assets. These figures should be compared to the industry median to determine if Lea Bank AB is performing above or below average.

Lea Bank AB's revenue is 610,363,000 SEK, and the company's total assets are 10,239,530,000 SEK. The company's revenue concentration is not specified in the provided data, but the total assets suggest that the company has a significant asset base. The company's geographic exposure is not detailed in the provided data, but as a bank, it is likely to have operations in multiple regions.

The company's growth trajectory is not explicitly detailed in the provided data, but the negative operating and free cash flows suggest that the company may be facing challenges in generating sustainable cash flows. The company's outlook for the current fiscal year and the next fiscal year is not provided, but the negative cash flows indicate that the company may need to focus on improving its cash flow generation.

The risk assessment for Lea Bank AB indicates a medium level of liquidity risk and a low level of dilution risk. The key flag of negative net cash after subtracting total debt suggests that the company may have liquidity constraints. The company's dilution potential is low, which is a positive sign for shareholders. The company's risk score is not provided, but the liquidity risk is a concern that should be monitored.

Recent events for Lea Bank AB include the financial snapshot data provided, which indicates the company's current financial position. The company's analyst estimates suggest a mean recommendation of 3.00, which is a hold rating, indicating that analysts are neutral on the stock. The mean EPS estimate is 1.43 SEK, and the mean EBIT estimate is 812,000,000 SEK, which are key metrics for evaluating the company's earnings potential.

Total assets grew 17.6% year-over-year to SEK 9.2 billion, demonstrating significant balance sheet expansion despite revenue stagnation.

The company maintains a conservative debt-to-equity ratio of 0.1, well below the 0.29 cohort median, reducing financial leverage risk.

Equity grew 3.9% year-over-year to SEK 1.45 billion, providing a stable capital base for future operations.

Dilution risk is assessed as low, suggesting current share count stability and protection for existing equity holders.

Net income declined 15.5% year-over-year to SEK 90.3 million, signaling deteriorating profitability trends for the bank.

Revenue contracted 3.1% annually over four years, reflecting a persistent inability to grow top-line operating income.

Free cash flow turned negative at SEK -33.5 million in FY0, reversing previous positive generation trends.

Cash conversion ratio sits in the bottom quartile at -4.07, far below the 1.15 cohort median.

Revenue kr 165.6M; Net margin 19.6%.

• ▍Revenue kr 165.6M
• ▍Net margin 19.6%