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1. Company Snapshot

1.a. Company Description

Resurs Holding AB (publ), through its subsidiaries, provides payment solutions and consumer loans in Sweden, Norway, Finland, and Denmark.The company's payment solutions comprise retail finance, which includes sales-driving finance, and payment and loyalty solutions; credit cards for retail finance partners; and factoring services.It also offers unsecured loans to consumers.


Resurs Holding AB (publ) was founded in 1977 and is headquartered in Helsingborg, Sweden.

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1.b. Last Insights on RESURS

Resurs Holding AB (publ) benefited from a favorable market environment, characterized by muted responses to new U.S. tariffs and mixed economic signals. According to Global Market Insights, the company is among stocks trading below estimated fair value, presenting a potential opportunity. With the global market navigating volatility, Resurs Holding's intrinsic value may be underestimated. Recent market trends, including the Nasdaq Composite Index's resilience, may also support the company's prospects. No recent earnings release or share buyback information is available. (Source: Global Market Insights)

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Global Market Insights Reveal 3 Stocks Trading Below Estimated Fair Value

Jul -17

Source:

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Global's July 2025 Stocks Estimated Below Intrinsic Value

Jul -14

Source:

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (8.08%)

6. Segments

Consumer Loans

Expected Growth: 8.5%

Resurs Holding AB's 8.5% consumer loan growth is driven by increasing demand for credit from Swedish and Norwegian consumers, expansion into new markets, and strategic partnerships with retailers. Additionally, the company's digitalization efforts and efficient risk management have improved customer acquisition and retention, contributing to the segment's growth.

Payment Solutions

Expected Growth: 7.43%

Resurs Holding AB's 7.43% growth in Payment Solutions is driven by increasing e-commerce adoption, rising demand for digital payment methods, strategic partnerships, and expansion into new markets. Additionally, the company's focus on innovative payment products, such as installment plans and credit solutions, has contributed to its growth momentum.

Intra-Group Adjustment

Expected Growth: 9.9%

The 9.9% growth in Intra-Group Adjustment from Resurs Holding AB (publ) is driven by increased financial synergies, efficient cost management, and strategic investments in digitalization, leading to improved operational leverage and enhanced profitability.

7. Detailed Products

Payment Solutions

Resurs Holding AB (publ) offers payment solutions that enable customers to buy now and pay later, providing flexibility and convenience.

Consumer Loans

Resurs Holding AB (publ) provides consumer loans that enable individuals to borrow money for various purposes, such as debt consolidation or financing large purchases.

Credit Cards

Resurs Holding AB (publ) offers credit cards that provide customers with a convenient and flexible way to make purchases.

Insurance Solutions

Resurs Holding AB (publ) offers insurance solutions that provide customers with protection against unforeseen events, such as accidents or illnesses.

Savings and Deposits

Resurs Holding AB (publ) offers savings and deposit products that enable customers to save money and earn interest.

8. Resurs Holding AB (publ)'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Resurs Holding AB (publ) is medium due to the presence of alternative investment options for customers.

Bargaining Power Of Customers

The bargaining power of customers for Resurs Holding AB (publ) is low due to the company's strong brand reputation and diversified customer base.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Resurs Holding AB (publ) is medium due to the company's dependence on a few large suppliers.

Threat Of New Entrants

The threat of new entrants for Resurs Holding AB (publ) is high due to the low barriers to entry in the financial services industry.

Intensity Of Rivalry

The intensity of rivalry for Resurs Holding AB (publ) is high due to the presence of several established competitors in the market.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 49.33%
Debt Cost 6.83%
Equity Weight 50.67%
Equity Cost 9.85%
WACC 8.36%
Leverage 97.37%

11. Quality Control: Resurs Holding AB (publ) passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
H&T

A-Score: 6.3/10

Value: 5.2

Growth: 6.3

Quality: 6.4

Yield: 5.0

Momentum: 10.0

Volatility: 4.7

1-Year Total Return ->

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Stock-Card
S&U

A-Score: 6.1/10

Value: 7.7

Growth: 5.6

Quality: 7.6

Yield: 8.8

Momentum: 3.5

Volatility: 3.7

1-Year Total Return ->

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Stock-Card
BFF Bank

A-Score: 5.9/10

Value: 6.0

Growth: 4.8

Quality: 7.1

Yield: 5.0

Momentum: 6.0

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
Resurs Holding

A-Score: 5.4/10

Value: 5.5

Growth: 5.2

Quality: 3.9

Yield: 5.0

Momentum: 9.0

Volatility: 4.0

1-Year Total Return ->

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Stock-Card
MutuiOnline

A-Score: 4.8/10

Value: 3.5

Growth: 8.3

Quality: 5.8

Yield: 0.6

Momentum: 6.5

Volatility: 4.0

1-Year Total Return ->

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Stock-Card
Intrum

A-Score: 4.4/10

Value: 9.1

Growth: 2.1

Quality: 2.8

Yield: 5.0

Momentum: 7.5

Volatility: 0.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

35.35$

Current Price

35.35$

Potential

-0.00%

Expected Cash-Flows