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1. Company Snapshot

1.a. Company Description

Enento Group Oyj, through its subsidiaries, provides digital business and consumer information services in the Nordic countries.The company's products and services are primarily used for risk management, finance and administration, and decision-making purposes; and to helps consumers to understand and manage their finances, as well as protects from identity theft and fraud.It also offers real estate and apartment information, information about buildings and their valuation, and compliance services to identify companies' beneficial owners and politically exposed persons, as well as solutions that help customers to automate their collateral management processes and digitalize the administration of housing purchases.


In addition, the company provides enterprise solutions; premium solutions, which offers business information services for the needs of SMEs; and freemium solutions that develop freemium-model business information websites.It serves finance, banking, e-commerce, and oil and energy sectors.The company was formerly known as Asiakastieto Group Oyj and changed its name to Enento Group Oyj in June 2020.


Enento Group Oyj was founded in 1905 and is headquartered in Helsinki, Finland.

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1.b. Last Insights on ENENTO

Enento Group Oyj's recent performance was hindered by regulatory pressures and consumer confidence issues. The company's Q1 2025 earnings call highlighted a modest increase in net sales, but EBITDA remained stable. Furthermore, the company is navigating the impact of proposed US tariffs on European markets, which has led to renewed volatility and investor concerns. Additionally, the pan-European STOXX Europe 600 Index has snapped a five-week gain streak, underscoring the challenges facing the market.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Enento Group Oyj And 2 Other European Stocks That May Be Priced Below Their Estimated Worth

May -27

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Enento Group PLC (FRA:AKA) Q1 2025 Earnings Call Highlights: Strategic Growth and Regulatory ...

Apr -26

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Notification according to Chapter 9, Section 10 of the Securities Markets Act of change in holdings in Enento Group’s shares

Dec -29

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Enento Group cancels repurchased shares

Dec -20

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Enento launches a share buyback program of EUR 1 million

Dec -18

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Establishment of a share-based long-term incentive scheme for Enento Group’s management and key employees

Dec -15

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Change to the scheduled date of Enento Group's Annual General Meeting in 2024

Dec -15

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Members of Enento Group’s Shareholders’ Nomination Board have been appointed

Nov -30

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (3.86%)

6. Segments

Business Insight

Expected Growth: 3%

Enento Group Oyj's 3% growth is driven by increasing demand for credit information and risk management services, expansion into new markets, and strategic acquisitions. Additionally, the company's investments in digitalization and data analytics have improved operational efficiency, enabling it to capitalize on emerging opportunities in the fintech sector.

Consumer Insight

Expected Growth: 5%

Enento Group Oyj's 5% growth in Consumer Insight is driven by increasing demand for credit information, expanding financial inclusion, and rising adoption of digital lending platforms. Additionally, growing need for identity verification, fraud prevention, and compliance with regulations such as GDPR and PSD2 contribute to the segment's growth.

7. Detailed Products

Credit Information

Provides detailed credit reports and scores for individuals and businesses, enabling informed lending decisions.

Business Information

Offers comprehensive data on companies, including financials, ownership, and management structures.

Risk and Compliance

Helps organizations manage risk and comply with regulations, such as anti-money laundering (AML) and know-your-customer (KYC) requirements.

Marketing and Sales Intelligence

Provides data and analytics to support targeted marketing and sales efforts, including customer profiling and segmentation.

Debt Collection and Recovery

Offers solutions for debt collection and recovery, including data analytics and workflow management.

8. Enento Group Oyj's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Enento Group Oyj is medium, as there are some alternative products and services available in the market, but they are not highly attractive to customers.

Bargaining Power Of Customers

The bargaining power of customers for Enento Group Oyj is low, as the company has a diverse customer base and no single customer has a significant impact on the business.

Bargaining Power Of Suppliers

The bargaining power of suppliers for Enento Group Oyj is medium, as the company relies on a few key suppliers for its operations, but it also has some bargaining power due to its size and reputation.

Threat Of New Entrants

The threat of new entrants for Enento Group Oyj is low, as the company has a strong brand and a large customer base, making it difficult for new entrants to gain traction in the market.

Intensity Of Rivalry

The intensity of rivalry for Enento Group Oyj is high, as the company operates in a competitive market with several established players, and the company needs to continuously innovate and improve its products and services to stay ahead of the competition.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 34.74%
Debt Cost 6.36%
Equity Weight 65.26%
Equity Cost 8.84%
WACC 7.98%
Leverage 53.23%

11. Quality Control: Enento Group Oyj passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Science Group

A-Score: 7.0/10

Value: 6.4

Growth: 7.6

Quality: 8.7

Yield: 1.9

Momentum: 8.0

Volatility: 9.7

1-Year Total Return ->

Stock-Card
Rejlers

A-Score: 6.3/10

Value: 5.1

Growth: 7.0

Quality: 6.2

Yield: 5.0

Momentum: 8.0

Volatility: 6.7

1-Year Total Return ->

Stock-Card
BTS Group

A-Score: 5.0/10

Value: 5.9

Growth: 7.4

Quality: 7.8

Yield: 4.4

Momentum: 0.5

Volatility: 4.0

1-Year Total Return ->

Stock-Card
Enento

A-Score: 4.9/10

Value: 4.1

Growth: 3.3

Quality: 5.4

Yield: 6.9

Momentum: 1.5

Volatility: 8.3

1-Year Total Return ->

Stock-Card
Alpha FMC

A-Score: 3.7/10

Value: 1.7

Growth: 5.3

Quality: 7.0

Yield: 3.1

Momentum: 4.0

Volatility: 1.0

1-Year Total Return ->

Stock-Card
Fintel

A-Score: 3.5/10

Value: 2.8

Growth: 3.1

Quality: 6.0

Yield: 2.5

Momentum: 3.0

Volatility: 3.3

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

15.32$

Current Price

15.32$

Potential

-0.00%

Expected Cash-Flows