ScoreWhy is Lea Bank AB ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at SEK 177.32 MM
- NII(Q) Highest at SEK 165.6 MM
- NET SALES(Q) Highest at SEK 226.23 MM
2
With ROA of 1.05%, it has a attractive valuation with a 0.92 Price to Book Value
- Over the past year, while the stock has generated a return of -2.18%, its profits have risen by 0.1%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Lea Bank AB should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.06%
EBIT Growth (5y)
38.09%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
60.00%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.92
EV to EBIT
12.91
EV to EBITDA
10.93
EV to Capital Employed
0.94
EV to Sales
1.74
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
7.25%
ROE (Latest)
7.94%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SEK 177.32 MM
NII(Q)
Highest at SEK 165.6 MM
NET SALES(Q)
Highest at SEK 226.23 MM
NET PROFIT(9M)
Higher at SEK 94.05 MM
OPERATING PROFIT(Q)
Highest at SEK 44.6 MM
OPERATING PROFIT MARGIN(Q)
Highest at 19.72 %
PRE-TAX PROFIT(Q)
Highest at SEK 44.02 MM
-5What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at SEK 0 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 112.33%
Here's what is working for Lea Bank AB
NII
Highest at SEK 165.6 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at SEK 177.32 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SEK MM)
Net Sales
Highest at SEK 226.23 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (SEK MM)
Net Profit
At SEK 94.05 MM has Grown at 41.34%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (SEK MM)
Operating Profit
Highest at SEK 44.6 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (SEK MM)
Operating Profit Margin
Highest at 19.72 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at SEK 44.02 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SEK MM)
Net Profit
Higher at SEK 94.05 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (SEK MM)
Depreciation
Highest at SEK 6.12 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SEK MM)
Here's what is not working for Lea Bank AB
Non Performing Loans (%)
Highest at 16.95% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at SEK 0 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 112.33%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 15.35%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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