TF Bank
Internet-based niche bank offering consumer banking services and e-commerce solutions with a scalable, automated IT platform.
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor | €0.0 | round |
| N/A | €0.0 | round | |
* | N/A | SEK150m | Post IPO Debt |
| Total Funding | 000k | ||
| SEK | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|
| Revenues | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % growth | 20 % | 34 % | 41 % | 24 % | 19 % | 20 % | 28 % |
| EBITDA | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| Profit | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| % profit margin | 27 % | 25 % | 20 % | 26 % | 22 % | 24 % | 24 % |
| EV | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
| EV / revenue | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| EV / EBITDA | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x | 00.0x |
| R&D budget | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 | 0000 |
Source: Company filings or news article, Equity research estimates
TF Bank is an internet-based niche bank that provides consumer banking services and e-commerce solutions. The company operates primarily in the Nordic and Baltic regions, serving individual consumers and small businesses. TF Bank's business model revolves around its proprietary IT platform, which is highly automated and scalable, allowing for adaptability across different products, countries, and currencies. The platform supports three main segments: consumer lending, e-commerce solutions, and credit cards. TF Bank generates revenue through interest income from loans and credit cards, as well as fees from its e-commerce solutions. The company prioritizes responsible lending practices to minimize loan losses and ensure customer protection. TF Bank also engages in social partnerships, such as financing education for students in Kenya through the Foundation ZBF.
Keywords: niche bank, consumer banking, e-commerce solutions, IT platform, automation, scalability, Nordic, Baltic, responsible lending, credit cards.