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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 $280M
Last FY EBITDA n/a
$1.0B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
TF Bank has a last 12-month revenue (LTM) of $280M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, TF Bank achieved revenue of $252M 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 estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $280M | XXX | $252M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $136M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 49% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $64.7M | XXX | $66.2M | XXX | XXX | XXX |
| Net Margin | 23% | XXX | 26% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $44.6M | XXX | XXX | XXX |
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As of July 17, 2025, TF Bank's stock price is SEK 433 (or $45).
TF Bank has current market cap of SEK 9.3B (or $975M), and EV of SEK 9.7B (or $1.0B).
See TF Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.0B | $975M | XXX | XXX | XXX | XXX | $2.79 |
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Start Free TrialAs of July 17, 2025, TF Bank has market cap of $975M and EV of $1.0B.
TF Bank's trades at 4.0x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate TF Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
TF Bank has a P/E ratio of 15.1x.
See valuation multiples for TF Bank and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $975M | XXX | $975M | XXX | XXX | XXX |
| EV (current) | $1.0B | XXX | $1.0B | XXX | XXX | XXX |
| EV/Revenue | 3.6x | XXX | 4.0x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 7.4x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 15.1x | XXX | 14.7x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | -5.9x | 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 last 12 month revenue growth is 21%
TF Bank's revenue per employee in the last FY averaged $0.6M, while opex per employee averaged $0.2M for the same period.
TF Bank's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
TF Bank's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for TF Bank and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 21% | XXX | 21% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.6M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 38% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 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 |
Valuation data powered by FactSet, Inc.
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 multiples| Acquired 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 Trial| When 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 $975M |
| What is the current revenue of TF Bank? | TF Bank's last 12 months revenue is $280M. |
| What is the current revenue growth of TF Bank? | TF Bank revenue growth (NTM/LTM) is 21%. |
| What is the current EV/Revenue multiple of TF Bank? | Current revenue multiple of TF Bank is 3.6x. |
| Is TF Bank profitable? | Yes, TF Bank is EBITDA-positive (as of the last 12 months). |
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