Lendo AS
Score · fiscal year 2025
43of 100
How to read this: the company is ahead of 28 % of companies in the Morning class Large in the same sector in 2025. What does this mean?
Rank in the Morning class Large: 19 of 26 · What are Morning company classes?
Place in the whole sector: 245 of 371 · Finans og forsikring
Profile
Elephant · Steward
Lower profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 6 and solidity 88 out of 100 among companies in the Morning class Large in the same sector in 2025. Methodology
Against the sector
Lendo AS is 3 points below the median for companies in the Morning class Large in the same sector in 2025.
Median score 46 among 26 companies.
Against companies in the Morning class Large in the same sector in 2025: operating margin −2.6% (median 24.1%) and equity ratio 75.8% (median 38.1%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 1,019 MNOK | 1,059 MNOK |
| Operating margin | −2.6% | 24.1% |
| Profit margin | −0.6% | 26.4% |
| Return on assets | 1.0% | 23.1% |
| Equity ratio | 75.8% | 38.1% |
| Debt-to-equity | 0.32 | 1.63 |
| Current ratio | 2.74 | 1.64 |
| Revenue growth | 6.8% | 14.4% |
| Revenue per employee | 24.85 MNOK | 11.50 MNOK |
The median and “ahead of” refer to companies in the Morning class Large in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 43, Lendo AS does better than 28% of companies in the Morning class Large in the same sector (26 companies) in 2025.
Score 2023–2025
- Lendo AS
- Median: companies in the Morning class Large in the same sector
Lendo AS has a score of 43 for 2025, rank 245 of 371 in the sector.
Strongest: Solidity: percentile 88 against peers, equity ratio 75.8% against a median of 38.1%. Liquidity: percentile 76 against peers, current ratio 2.74 against a median of 1.64.
Weakest: Profitability: percentile 6 against peers, operating margin −2.6% against a median of 24.1%. Consistency: percentile 18 against peers.
Worth a closer look
- The company made a loss before tax. Are these one-off items or a pattern? Based on: profit margin −0.6% (median 26.4%).
- The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors? Based on: operating margin −2.6% (median 24.1%).
- What lies behind weak profitability, and will it last?
- What lies behind weak consistency, and will it last?
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
Lendo AS had an operating margin of −2.6% and an equity ratio of 75.8% in 2025, and ranks 245 of 371 in Finans og forsikring.
From 2024 to 2025: the operating margin rose from −10.0% to −2.6% and the equity ratio fell from 89.5% to 75.8%.
This text is generated automatically from the 2025 accounts.
Three simple methods
One method gives a figure: 339 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | not meaningful |
| EV/EBIT | 8.0 | not meaningful |
| P/B | 1.0 | 339 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
- watch
The company made a loss before tax. Are these one-off items or a pattern?
Based on: Profit margin −0.6% (median 26.4%).
- watch
The operating margin is lower than at three in four companies in the sector. Where do costs differ from competitors?
Based on: Operating margin −2.6% (median 24.1%).
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 10.0% 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 −13.5%. Based on the 6 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 6 | weight 30% |
|---|---|---|
| Solidity | 88 | weight 25% |
| Liquidity | 76 | weight 15% |
| Growth | 32 | weight 15% |
| Consistency | 18 | weight 15% |
Durability: 45 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is Lendo AS?
The operating margin was −2.6% in 2025, against a median of 24.1% among companies in the Morning class Large in the same sector. Return on assets was 1.0%. The company made a loss before tax.
How solid is Lendo AS?
The equity ratio was 75.8% in 2025 (median 38.1%). Debt-to-equity was 0.32 (median 1.63).
What is the liquidity of Lendo AS like?
The current ratio was 2.74 in 2025 (median 1.64).
How does Lendo AS compare in Finans og forsikring?
Lendo AS ranks 245 of 371 in Finans og forsikring for 2025. Among companies in the Morning class Large it is number 19 of 26. Revenue changed by 6.8% from the year before.
From the Central Coordinating Register
- Org. no.
- 997523814
- Legal form
- AS
- Sector
- Finans og forsikring (66.190)
- Morning company class
- Large
- Employees
- 41 registered 10 September 2026
- Founded
- 24 October 2011 15 years in operation
- Share capital
- 0.80 MNOK
- Business address
- Hagegata 22, 0653 OSLO
- Municipality
- Oslo rank 63–220 of 357 in Norway
- Latest accounts filed
- 2025
- Website
- www.lendo.no
- LEI
- 984500R8EF4CF04EAE18 renews 4 March 2027
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.
- Parent company
- Parent does not consolidate the company
Source: GLEIF (Global Legal Entity Identifier Foundation), fetched 31 October 2026. The parent is the one the company itself reported to GLEIF.
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 4 November 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 48 | 44 | 43 | |
| Rank | 170 | 223 | 245 | |
| Operating margin | −7.0% | −10.0% | −2.6% | |
| Return on assets | −4.2% | −8.0% | 1.0% | |
| Equity ratio | 88.6% | 89.5% | 75.8% | |
| Current ratio | 5.34 | 6.83 | 2.74 | |
| Revenue growth | – | −13.0% | 6.8% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 1,096.6 MNOK | 953.9 MNOK | 1,018.7 MNOK |
| Operating profit | −76.7 MNOK | −95.0 MNOK | −26.1 MNOK |
| Profit before tax | −63.8 MNOK | −80.7 MNOK | −6.2 MNOK |
| Net profit | −48.0 MNOK | −60.5 MNOK | −4.7 MNOK |
| Financial expenses | 26.0 MNOK | 14.0 MNOK | 10.8 MNOK |
| Total assets | 889.0 MNOK | 830.8 MNOK | 447.3 MNOK |
| Current assets | 486.3 MNOK | 564.0 MNOK | 281.7 MNOK |
| Equity | 787.5 MNOK | 743.6 MNOK | 339.3 MNOK |
| Retained earnings | −213.8 MNOK | −273.2 MNOK | −677.2 MNOK |
| Total liabilities | 101.5 MNOK | 87.2 MNOK | 108.0 MNOK |
| Current liabilities | 91.0 MNOK | 82.6 MNOK | 102.7 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 4 November 2026, accounts id 6471477.
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