TF Bank AB is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The business is divided into three segments: Credit Cards, e-commerce solutions, and Consumer Lending. TF Bank prioritizes organic growth under controlled conditions, and expansion is taking place in carefully selected segments and markets. The business is conducted in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, Austria, Spain, Ireland, and the Netherlands through subsidiary, branch, or cross-border banking with the support of the Swedish banking license.
1987
417
LTM Revenue $267M
LTM EBITDA n/a
$865M
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TF Bank has a last 12-month revenue of $267M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, TF Bank achieved revenue of $248M and an EBITDA of n/a.
TF Bank expects next 12-month revenue of XXX   and NTM EBITDA of XXX
See TF Bank valuation multiples based on analyst estimatesFY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
---|---|---|---|---|---|
Revenue | $202M | $248M | XXX | XXX | XXX |
Gross Profit | n/a | n/a | XXX | XXX | XXX |
Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
EBITDA | n/a | n/a | XXX | XXX | XXX |
EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
Net Profit | $35.0M | $40.8M | XXX | XXX | XXX |
Net Margin | 17% | 16% | XXX | XXX | XXX |
Net Debt | $22.2M | $44.4M | XXX | XXX | XXX |
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As of May 16, 2025, TF Bank's stock price is SEK 375 (or $38).
TF Bank has current market cap of SEK 8.1B (or $829M), and EV of SEK 8.4B (or $865M).
See TF Bank trading valuation dataEV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
---|---|---|---|---|---|---|
$865M | $829M | XXX | XXX | XXX | XXX | $2.63 |
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Start Free TrialAs of May 16, 2025, TF Bank has market cap of $829M and EV of $865M.
TF Bank's trades at 3.2x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate TF Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for TF Bank and 10K+ public compsFY 2024 | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|
EV | $865M | XXX | XXX | XXX |
EV/Revenue | 3.5x | XXX | XXX | XXX |
EV/EBITDA | n/a | XXX | XXX | XXX |
P/E | 12.8x | XXX | XXX | XXX |
P/E/Growth | 0.8x | XXX | XXX | XXX |
EV/FCF | -5.2x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialTF Bank's NTM/LTM revenue growth is 19%
TF Bank's revenue per employee for the last fiscal year averaged $0.6M, while opex per employee averaged n/a for the same period.
Over next 12 months, TF Bank's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate TF Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for TF Bank and other 10K+ public compsFY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|---|
Revenue Growth | 23% | XXX | XXX | XXX | XXX |
EBITDA Margin | N/A | XXX | XXX | XXX | XXX |
EBITDA Growth | N/A | XXX | XXX | XXX | XXX |
Rule of 40 (SaaS-only) | N/A | XXX | XXX | XXX | XXX |
Revenue per Employee | $0.6M | XXX | XXX | XXX | XXX |
Opex per Employee | n/a | XXX | XXX | XXX | XXX |
S&M Expenses to Revenue | 0% | XXX | XXX | XXX | XXX |
G&A Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
Opex to Revenue | 0% | XXX | XXX | XXX | XXX |
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EV/Revenue | EV/EBITDA | |||||
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2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
RAKBANK | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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TF Bank acquired XXX companies to date.
Last acquisition by TF Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . TF Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiplesAcquired Company | EV | EV/Revenue | EV/EBITDA |
---|---|---|---|
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialWhen was TF Bank founded? | TF Bank was founded in 1987. |
Where is TF Bank headquartered? | TF Bank is headquartered in Sweden. |
How many employees does TF Bank have? | As of today, TF Bank has 417 employees. |
Who is the CEO of TF Bank? | TF Bank's CEO is Mr. Mikael Meomuttel. |
Is TF Bank publicy listed? | Yes, TF Bank is a public company listed on STO. |
What is the stock symbol of TF Bank? | TF Bank trades under TFBANK ticker. |
When did TF Bank go public? | TF Bank went public in 2016. |
Who are competitors of TF Bank? | Similar companies to TF Bank include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
What is the current market cap of TF Bank? | TF Bank's current market cap is $829M |
What is the current revenue of TF Bank? | TF Bank's last 12-month revenue is $267M. |
What is the current EV/Revenue multiple of TF Bank? | Current revenue multiple of TF Bank is 3.2x. |
What is the current revenue growth of TF Bank? | TF Bank revenue growth between 2023 and 2024 was 23%. |
Is TF Bank profitable? | Yes, TF Bank is EBITDA-positive (as of the last 12 months). |
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