Company Overview
Enento Group is a leading Finnish financial services company that provides a wide range of products and services to individuals, businesses, and institutions. With its strong presence in the Nordic region, Enento offers innovative solutions for risk management, compliance, and digitalization.
Enento Group was founded in 2005 and has since established itself as a trusted partner for financial services in the Nordic region. The company's mission is to provide high-quality products and services that meet the evolving needs of its customers, while maintaining a strong commitment to innovation, customer satisfaction, and sustainability.
Enento Group operates through three main business areas: Business Insight, Consumer Insight, and Financial Services. The company has a strong presence in Finland, Sweden, Norway, and Denmark, with a total of over 377 employees across its operations.
The company's headquarters is located in Helsinki, Finland. Enento Group has a strong track record of growth and innovation, with a focus on delivering value to its customers and stakeholders. Enento Group is committed to creating long-term value for its shareholders, employees, and customers through its commitment to innovation, customer satisfaction, and sustainability.
Mission and Core Values
The primary mission of Enento Group is to provide high-quality products and services that meet the evolving needs of its customers, while maintaining a strong commitment to innovation, customer satisfaction, and sustainability. The company's core values include:
- Customer First: We prioritize our customers' needs and deliver value to them through our products and services.
- One Enento: We work together as one team to achieve our goals and deliver exceptional results.
- Operational Excellence: We strive for operational excellence in all aspects of our business, from product development to customer service.
- Empowered People: We empower our employees to make decisions and take ownership of their work, ensuring that we have the best possible team in place.
Key Products/Services
Enento Group offers a wide range of products and services across its three main business areas:
Business Insight: Enento provides innovative solutions for risk management, compliance, and digitalization, including data analytics, risk assessment, and compliance services.
Consumer Insight: The company offers personalized consumer marketing information, including data-driven insights, customer segmentation, and loyalty programs.
Financial Services: Enento provides a range of financial services, including investment products, pension solutions, and insurance services.
The benefits of Enento's products and services include:
- Increased efficiency and productivity through innovative solutions and digitalization.
- Improved risk management and compliance capabilities.
- Enhanced customer experience through personalized marketing and loyalty programs.
- Access to a wide range of financial services and investment products.
Innovation and Growth
Enento Group is committed to innovation and growth, with a focus on delivering value to its customers and stakeholders. The company has a strong track record of innovation, with a focus on developing new products and services that meet the evolving needs of its customers.
The company's investment in research and development (R&D) has enabled it to stay ahead of the competition and deliver innovative solutions to its customers.
Enento Group is also committed to sustainability, with a focus on reducing its environmental impact and promoting social responsibility throughout its operations.
Valuation
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Number of Shares (million) | 24.0 | 24.0 | 23.7 | 23.7 | 23.7 | 23.7 | 23.7 |
| Target Valuation (MEur) | 345.4 | 315.1 | 289.5 | 264.8 | 244.2 | 226.0 | 226.0 |
| Targer Price | 14.37 | 13.11 | 12.22 | 11.17 | 10.3 | 9.54 | 9.54 |
| Potential, % | -32.8 | -32.7 | -30.1 | -29.6 | -34.3 | -39.2 | -39.2 |
| Recommendation | Sell | Sell | Sell | Sell | Sell | Sell | Sell |
| MCAP (MEur) | 514.3 | 468.2 | 414.3 | 375.9 | 371.6 | 371.6 | 371.6 |
| Price | 21.4 | 19.48 | 17.48 | 15.86 | 15.68 | 15.68 | 15.68 |
| EV | 646.0 | 608.0 | 557.0 | 519.0 | 491.0 | 455.0 | 418.0 |
| P/S | 3.07 | 3.0 | 2.75 | 2.46 | 2.34 | 2.32 | 2.32 |
| EV/S | 3.86 | 3.9 | 3.7 | 3.4 | 3.09 | 2.84 | 2.61 |
| EV/EBIT | 21.0 | 19.98 | 22.66 | 20.47 | 18.27 | 16.24 | 15.73 |
| P/E | 23.01 | 26.66 | 34.09 | 27.62 | 20.18 | 16.57 | 17.46 |
| P/B | 1.74 | 1.65 | 1.57 | 1.43 | 1.39 | 1.29 | 1.2 |
| P/OCF | 11.75 | 12.72 | 12.62 | 10.81 | 9.05 | 8.81 | 8.46 |
| EV/OCF | 14.76 | 16.52 | 16.97 | 14.94 | 11.95 | 10.8 | 9.52 |
| P/FCF | 19.78 | 16.96 | 17.91 | 13.63 | 10.67 | 10.55 | 10.04 |
| EV/FCF | 24.85 | 22.02 | 24.07 | 18.83 | 14.09 | 12.92 | 11.31 |
Income Statement
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Revenue | 167.5 | 155.9 | 150.4 | 152.7 | 158.9 | 160.1 | 160.1 |
| Rev. Growth, % | 2.4 | -6.9 | -3.5 | 1.5 | 4.1 | 0.8 | 0.0 |
| Ebit | 30.8 | 30.4 | 24.6 | 25.4 | 26.9 | 28.0 | 26.6 |
| Ebit Growth, % | -12.5 | -1.3 | -19.1 | 3.3 | 5.9 | 4.1 | -5.0 |
| Ebit, % | 18.4 | 19.5 | 16.4 | 16.6 | 16.9 | 17.5 | 16.6 |
| Profit | 22.4 | 17.6 | 12.2 | 13.6 | 18.4 | 22.4 | 21.3 |
| EPS | 0.93 | 0.73 | 0.51 | 0.57 | 0.78 | 0.95 | 0.9 |
| Profit Growth, % | -13.5 | -21.4 | -30.7 | 11.5 | 35.3 | 21.7 | -4.9 |
| Profit, % | 13.4 | 11.3 | 8.1 | 8.9 | 11.6 | 14.0 | 13.3 |
Balance Sheet
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Acc. Receivable | 29.5 | 29.7 | 25.6 | 27.2 | 28.7 | 29.0 | 28.7 |
| Cash | 20.8 | 17.4 | 11.3 | 13.2 | 34.9 | 70.1 | 107.1 |
| Equity | 294.9 | 282.9 | 263.2 | 263.7 | 266.5 | 289.0 | 310.2 |
| ROE, % | 7.6 | 6.2 | 4.6 | 5.2 | 6.9 | 7.8 | 6.9 |
| ROCE, % | 6.9 | 6.9 | 5.9 | 6.0 | 6.4 | 6.3 | 5.7 |
| Net Debt | 131.8 | 139.7 | 142.7 | 143.3 | 119.1 | 83.8 | 46.8 |
| Gearing, % | 44.7 | 49.4 | 54.2 | 54.3 | 44.7 | 29.0 | 15.1 |
| Equity ratio, % | 59.1 | 57.7 | 57.3 | 56.8 | 58.7 | 62.1 | 65.9 |
| Acc. Payable | 23.3 | 24.3 | 17.2 | 19.6 | 21.5 | 21.5 | 21.3 |
| Total Assets | 499.1 | 490.3 | 459.6 | 464.5 | 453.8 | 465.0 | 470.8 |
| ROA, % | 4.5 | 3.6 | 2.7 | 2.9 | 4.1 | 4.8 | 4.5 |
Cash Flow
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 43.8 | 36.8 | 32.8 | 34.8 | 41.1 | 42.2 | 43.9 |
| Investment Cash Flow | -17.8 | -9.2 | -9.7 | -7.2 | -6.2 | -6.9 | -6.9 |
| Free Cash Flow | 26.0 | 27.6 | 23.1 | 27.6 | 34.8 | 35.2 | 37.0 |
| OCF/CAPEX | 2.46 | 4.0 | 3.39 | 4.84 | 6.58 | 6.08 | 6.33 |
| Financial Cash Flow | -32.3 | -30.8 | -28.5 | -26.2 | -12.9 | 0.0 | 0.0 |
Disclaimer
Risk Disclosure: Trading in financial instruments involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
The data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes.
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