Enity Holding AB (publ)

kr 78.60As of Sun 8 Nov 2026, 12:00 UTC

STO:ENITYFinancials

Country Sweden

PE (Fwd) •••

TSR 10Y CAGR —

Div yield 1.78%

ROTE 21.26%

Mortgage Finance

Beta (5Y) —

PE TTM 8.147

TSR TTM (15.43%)

Mkt cap kr 3.930B

NIM —

SE Grade™

Value

Quality

Moat

Consensus

Reference

kr 100

26.78%

40.89%

Hold 6|8|12|1|12

TTM

FYE 31 Dec SEK

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

0.331

Revenuekr B

0.641

0.686

0.745

0.794

0.851

0.892

0.963

1.038

1.114

1.180

0.348

6.76%

7.30%

5.23

Revenue growth%

10.74

10.91

9.07

8.91

7.93

8.93

6.50

8.92

10.65

9.87

7.24

8.93

9.00

24.51

NIM%

36.14

35.40

35.77

36.21

38.63

38.28

39.71

38.76

39.36

37.01

9.45

38.76

37.64

19.71

Effic. R.%

20.18

22.71

23.12

24.66

24.84

26.24

24.55

21.83

22.80

21.69

25.96

22.80

22.96

29.33

Net margin%

18.94

20.08

17.42

16.71

17.45

18.41

20.89

19.81

18.10

20.29

17.70

19.81

18.67

35.06

P/E ratio (avg)x

19.93

20.47

19.40

19.30

19.92

20.09

19.33

19.14

18.69

18.92

10.19

19.14

19.36

6.578

P/TBVx

11.91

11.61

10.70

10.41

11.42

10.94

11.40

13.11

12.25

11.98

33.82

11.98

11.51

8.187

P/Bx

12.80

13.23

13.57

11.68

11.17

9.861

10.40

9.478

9.363

9.818

28.92

9.818

10.78

832.8

NIIkr M

363.2

397.1

421.0

457.4

492.1

515.6

545.0

594.5

631.9

672.2

511.3

6.44%

7.43%

—

12.42

NII grth%

4.14

3.96

6.02

6.11

5.21

6.39

5.16

5.49

5.93

8.34

13.06

5.93

5.71

17.19

ROTE%

17.11

19.05

21.16

21.81

21.63

22.06

24.33

23.30

25.09

22.64

20.40

23.30

21.93

16.45

Return on equity%

26.31

26.40

23.69

21.13

24.12

21.76

20.02

17.06

15.41

16.65

5.18

17.06

21.45

5.02

Return on assets%

8.32

8.40

10.95

13.86

13.82

15.28

17.38

19.62

19.77

17.38

22.58

17.38

14.57

6.48

EPSkr

8.02

8.23

7.97

9.00

9.72

11.09

12.07

12.62

13.48

14.72

7.11

8.64%

5.79%

—

10.89

EPS growth%

12.66

12.74

10.85

11.17

12.43

13.66

15.31

13.38

13.62

16.11

10.58

13.66

13.06

8.34

Bookvalue per shkr

3.58

3.74

3.42

3.03

2.81

2.87

2.46

2.39

2.46

2.20

1.56

(4.71%)

(6.03%)

—

5.39

TBV/shkr

7.08

6.88

7.78

8.36

9.47

9.14

8.65

9.04

10.26

10.10

2.75

1.30%

4.62%

—

9.00

Dividend per shkr

3.14

2.76

2.89

2.91

2.96

3.07

2.68

2.63

2.31

2.01

8.52

(7.41%)

(5.61%)

—

16.19

Div yield (avg)%

7.88

6.25

7.29

9.45

10.36

8.72

6.53

3.88

3.67

2.06

10.94

3.88

6.91

24.83

Payout ratio%

14.18

12.44

11.36

12.41

9.55

11.16

10.94

13.76

15.74

15.21

19.87

13.76

12.42

50.30

Shares (diluted)M

78.52

77.57

86.22

97.29

115.9

112.1

107.5

122.6

119.5

49.72

0.61%

5.47%

28.96

Buyback yield%

7.01

4.40

2.73

3.54

3.14

1.48

3.93

5.11

4.93

7.25

9.20

4.93

4.16

129.51

Eq/Assets%

108.91

107.49

114.62

107.35

95.55

92.65

91.96

102.34

102.44

110.04

37.19

102.34

104.90

0.785

Assetskr B

3.286

3.576

3.820

4.057

4.626

5.195

5.542

5.912

6.320

6.726

0.850

7.77%

8.12%

461.1

LT debtkr M

348.2

340.5

386.6

443.8

492.2

499.8

543.1

537.7

583.7

656.9

517.9

5.94%

6.27%

Peers (US$397.3M)

Cap (US$)

Norion Bank AB (publ)

1.165B

10.31x

Morrow Bank AB

512.6M

14.49x

Lea Bank AB (publ)

127.2M

11.70x

Atrium Mortgage…

387.4M

11.73x

Capital

TTM

10Y

Tang eq%

89.44

30.87

29.59

LT debt%

58.73

9.62

9.78

Cash%

161.67

11.26

11.25

Sh yield%

45.15

9.32

10.33

Owners

Insiders/Inst%

13.88

33.38

Short interest%

5.81

SBC / revenue%

4.16

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

ROE range%

15–26

$1 testx

−0.1

Incr. ROIC%

—

Enity Holding AB (publ) operates as a mortgage bank to individuals and communities in Sweden, Norway, and Finland. The company cloud-based technology platform. It also offers mortgage products that include first and second charge mortgages and equity release loans, as well as savings accounts and deposit products.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Total assets

kr 6.726B

8.12%

1.08×

Revenue

kr 1.180B

7.30%

1.00×

Non-interest expense

kr 730.8M

7.26%

1.00×