Svea Finans AS
Score · fiscal year 2025
77of 100
How to read this: the company is ahead of 96 % of companies in the Morning class Medium in the same sector in 2025. What does this mean?
Rank in the Morning class Medium: 16 of 362 · What are Morning company classes?
Place in the whole sector: 115 of 1,867 · Forretningsmessig tjenesteyting
Profile
Lion · Leader
High profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 97 and solidity 66 out of 100 among companies in the Morning class Medium in the same sector in 2025. Methodology
Against the sector
Svea Finans AS is 27 points above the median for companies in the Morning class Medium in the same sector in 2025.
Median score 50 among 362 companies.
Against companies in the Morning class Medium in the same sector in 2025: operating margin 32.3% (median 4.4%) and equity ratio 29.4% (median 20.0%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 245 MNOK | 124 MNOK |
| Operating margin | 32.3% | 4.4% |
| Profit margin | 34.4% | 4.3% |
| Return on assets | 51.5% | 11.1% |
| Equity ratio | 29.4% | 20.0% |
| Debt-to-equity | 2.41 | 3.78 |
| Current ratio | 1.41 | 1.13 |
| Revenue growth | 17.2% | 8.0% |
| Revenue per employee | 2.13 MNOK | 1.22 MNOK |
The median and “ahead of” refer to companies in the Morning class Medium in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 77, Svea Finans AS does better than 96% of companies in the Morning class Medium in the same sector (362 companies) in 2025.
Score 2023–2025
- Svea Finans AS
- Median: companies in the Morning class Medium in the same sector
Svea Finans AS has a score of 77 for 2025, rank 115 of 1,867 in the sector.
Strongest: Profitability: percentile 97 against peers, operating margin 32.3% against a median of 4.4%. Liquidity: percentile 73 against peers, current ratio 1.41 against a median of 1.13.
No area is clearly below its peers.
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
What the numbers say
Svea Finans AS had an operating margin of 32.3% and an equity ratio of 29.4% in 2025, and ranks 115 of 1,867 in Forretningsmessig tjenesteyting.
From 2024 to 2025: the operating margin rose from 28.4% to 32.3% and revenue grew by 17%.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 48 MNOK and 787 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 650 MNOK |
| EV/EBIT | 8.0 | 787 MNOK |
| P/B | 1.0 | 48 MNOK |
A mechanical estimate from public accounts, not advice. Mechanical estimate from public accounts with fixed multiples. Not a valuation and not advice to buy or sell. The multiples are provisional default values and must be adjusted per sector before the figures are used for anything. See the calculation
Worth a closer look
No rules were triggered for this year.
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 0.6% of the debt in 2025. The policy rate averaged 4.30 % the same year. This is a plain description of what the debt cost, not a model of interest sensitivity.
See interest rates, prices and exchange rates for the sector
Data quality
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2026, the sector's weakest year, for this company.
The sector's weakest year was 2026, with a median operating margin of −3.2%. Based on the 9 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 97 | weight 30% |
|---|---|---|
| Solidity | 66 | weight 25% |
| Liquidity | 73 | weight 15% |
| Growth | 66 | weight 15% |
| Consistency | 69 | weight 15% |
Durability: 74 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Svea Finans AS?
The operating margin was 32.3% in 2025, against a median of 4.4% among companies in the Morning class Medium in the same sector. Return on assets was 51.5%.
How solid is Svea Finans AS?
The equity ratio was 29.4% in 2025 (median 20.0%). Debt-to-equity was 2.41 (median 3.78).
What is the liquidity of Svea Finans AS like?
The current ratio was 1.41 in 2025 (median 1.13).
How does Svea Finans AS compare in Forretningsmessig tjenesteyting?
Svea Finans AS ranks 115 of 1,867 in Forretningsmessig tjenesteyting for 2025. Among companies in the Morning class Medium it is number 16 of 362. Revenue changed by 17.2% from the year before.
From the Central Coordinating Register
- Org. no.
- 980121798
- Legal form
- AS
- Sector
- Forretningsmessig tjenesteyting (82.910)
- Morning company class
- Medium
- Employees
- 115 registered 10 October 2026
- Founded
- 14 September 1998 28 years in operation
- Share capital
- 1.11 MNOK
- Business address
- Innspurten 15, 0663 OSLO
- Municipality
- Oslo rank 63–220 of 357 in Norway
- Latest accounts filed
- 2025
- Website
- www.sveafinans.no
Source: Central Coordinating Register, Brønnøysund Register Centre. The employee count is reported by the company and may be older than the accounts. See the company at the Brønnøysund Register Centre
Ownership and roles
Loading roles …
Source: Central Coordinating Register, fetched 31 October 2026. Only names are shown.
Owners and shareholdings will appear here once the shareholder data extract is in place.
Coming · not built yet
Error in the data?
Do you see an error in the figures or in how the company is mapped (sector, holding, group)? Let us know. Corrections require documentation.
Figures last fetched 31 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 73 | 72 | 77 | |
| Rank | 297 | 221 | 115 | |
| Operating margin | 29.4% | 28.4% | 32.3% | |
| Return on assets | 46.5% | 46.5% | 51.5% | |
| Equity ratio | 23.2% | 24.1% | 29.4% | |
| Current ratio | 1.30 | 1.31 | 1.41 | |
| Revenue growth | – | 13.6% | 17.2% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 183.6 MNOK | 208.6 MNOK | 244.6 MNOK |
| Operating profit | 54.0 MNOK | 59.2 MNOK | 79.1 MNOK |
| Profit before tax | 57.8 MNOK | 63.8 MNOK | 84.1 MNOK |
| Net profit | 45.0 MNOK | 49.3 MNOK | 65.0 MNOK |
| Financial expenses | 0.3 MNOK | 0.3 MNOK | 0.7 MNOK |
| Total assets | 125.0 MNOK | 138.0 MNOK | 164.6 MNOK |
| Current assets | 124.8 MNOK | 137.6 MNOK | 164.1 MNOK |
| Equity | 29.0 MNOK | 33.3 MNOK | 48.3 MNOK |
| Retained earnings | 27.9 MNOK | 32.2 MNOK | 47.2 MNOK |
| Total liabilities | 96.0 MNOK | 104.7 MNOK | 116.3 MNOK |
| Current liabilities | 96.0 MNOK | 104.7 MNOK | 116.3 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 31 October 2026, accounts id 6897300.
Further
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