Companies ›Financials ›UTFN.DH

UTFN.DH — — Consumer Lending

Utfn.Dh

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Mcap

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P/E

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EV / Rev

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Div yield

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Op margin

36,7 %

ROE

15,1 %

Net margin

27,2 %

Debt / equity

3,39

Beta

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52w range

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Volume

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Day range

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About

UTFN.DH maintains a capital structure with a debt-to-equity ratio of 3.39, indicating a significant reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with no cash and equivalents reported and a negative net cash position after subtracting total debt. Free cash flow of 960.27 million suggests the company generates sufficient cash to support operations and potentially fund growth initiatives. Profitability metrics show a return on equity (ROE) of 15.13%, which is strong, and a return on assets (ROA) of 2.78%, indicating moderate efficiency in asset utilization. These figures should be compared to the industry median ROE and ROA to determine relative performance. The company's operating income of 1.596 billion and net income of 1.183 billion reflect a healthy margin, but the ROA suggests there is room for improvement in asset productivity. The company's revenue is concentrated in the consumer lending segment, with no disclosed geographic diversification. This concentration may expose the company to regional economic downturns or regulatory changes affecting the consumer lending market. The absence of geographic breakdown in the fi

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Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership

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not yet wired

Profitability→

15,1 %

return on equity

Quality

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not yet scored

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.

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News & coverage

No recent newsroom coverage mentioning UTFN.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to UTFN.DH. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

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

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryConsumer Lending

ActivityBanking

AI synthesis

GENERATED

Profitability metrics show a return on equity (ROE) of 15.13%, which is strong, and a return on assets (ROA) of 2.78%, indicating moderate efficiency in asset utilization. These figures should be compared to the industry median ROE and ROA to determine relative performance. The company's operating income of 1.596 billion and net income of 1.183 billion reflect a healthy margin, but the ROA suggests there is room for improvement in asset productivity.

The company's revenue is concentrated in the consumer lending segment, with no disclosed geographic diversification. This concentration may expose the company to regional economic downturns or regulatory changes affecting the consumer lending market. The absence of geographic breakdown in the financial data limits the ability to assess exposure to different markets.

Growth trajectory is not explicitly detailed in the provided data, but the company's free cash flow and operating cash flow suggest it has the capacity to reinvest in the business or return value to shareholders. The outlook for the current fiscal year and the next fiscal year is not provided, but the company's financial performance indicates a stable position.

Risk factors include a medium liquidity risk due to the lack of cash and equivalents and a negative net cash position. The dilution risk is assessed as low, with no significant dilution potential reported. The company's capital structure and debt levels should be monitored for any changes that could affect its financial stability.

Recent events and filings are not detailed in the provided data, but the company's financial performance and capital structure suggest it is managing its operations effectively. The absence of recent events or transcripts does not indicate a lack of activity but rather a limitation in the data provided.

Key takeaways

UTFN.DH has a strong return on equity (15.13%) but a moderate return on assets (2.78%), indicating room for improvement in asset utilization.
The company's debt-to-equity ratio of 3.39 suggests a heavy reliance on debt financing.
Free cash flow of 960.27 million supports operational flexibility and potential growth.
The company's liquidity is assessed as medium, with no cash and equivalents reported.
Revenue is concentrated in the consumer lending segment, with no geographic diversification disclosed.

Bull / Bear case

analysis pipeline

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In focus — financials by report

Valuation

Market price

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Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

$7.82B

Net cashⓘ

-$26.48B

Current ratioⓘ

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Debt / equityⓘ

3.4

ROAⓘ

2.8%

ROEⓘ

15.1%

Cash conversionⓘ

36.0%

CapEx / revenueⓘ

-0.4%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

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Supply chain

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Peer comparison

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Market position

Stress test

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Predictor forecast

Options

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Short squeeze

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Earnings-call key lines

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Estimate revisions

consensus EPS · 26-week trend

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Sell-side observations

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Themes

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ESG

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Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Op Margin36,7 %Above median

Net Margin27,2 %Above median

ROE15,1 %Best in class

Capex / Rev-0,4 %Above median

D/E3,39Bottom quartile

Cash Conv0,36Above median

Corporate actions / M&A

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FX exposure

— missing data

Comparable transactions

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Derivatives & instruments

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Actions

Set alert Open in charts

Ask Handelsavisen

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Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income

Source documents

UTFN.DH Market data — financials · 2026-05-29

Ownership & reference

Leadership

Anil Chandra DasExecutive Vice President
Muhammad Abdul HamidExecutive Vice President

Insider activity

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Short positioning

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Geographic breakdown

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Listings · one canonical issuer all listings resolve to the canonical

UTFN.DHCanonical

— · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Evidence & claims

From filings & derived data

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The Thread

Everything we know, in order

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Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Leadership

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread