Valuation Result
Final Brand Value
Lendo — Technology
Valuation date: 10/29/2026
Total Brand Value
NOK 200.0M
This result turns the selected legal, brand, benchmark and discount-rate assumptions into one reviewable brand value estimate.
Brand Strength
73/100
Royalty Rate
2.2%
Discount Rate
11.0%
Benchmark recommendation not unlocked for this result
Sensitivity snapshot
Quick decision check for discount rate, royalty rate and long-term growth.
Variable
Lower input
Current
Higher input
WACC (Discount Rate)
11.0%
-1.0%
NOK 222.6M
11.0%
NOK 200.0M
+1.0%
NOK 181.7M
Royalty Rate
2.2%
-0.5%
NOK 154.3M
2.2%
NOK 200.0M
+0.5%
NOK 245.6M
Terminal Growth
1.5%
-0.5%
NOK 193.0M
1.5%
NOK 200.0M
+0.5%
NOK 207.8M
Brand Strength changes can also be explored to show their potential effect on brand value. Contact info@brandvaluator.se if you want to explore this for strategy, planning and budgeting.
Revenue Base
NOK 1.0B
Legal Protection
63/100
Long-term Growth
1.5%
Recommendation basis
Brand-strength range • Pro
This reference case derives its royalty rate by applying the brand-strength score to a documented industry royalty ceiling.
This valuation uses benchmark support informed by external market references and curated internal calibration.
Use this section to confirm whether the result reflects unlocked benchmark guidance or a non-benchmark method.
Forecast profile
5 years explicit forecast
High growth: 2.0%
Base growth: 2.0%
Long-term growth: 1.5%
Value build
Value for planning period: NOK 71.6M
Terminal value: NOK 128.3M
How the valuation is built
Valuation Build
| Year | Revenue | Royalty | After Tax | PV |
|---|---|---|---|---|
| Y1 | NOK 1,039,111,740 | NOK 22,756,547 | NOK 17,750,107 | NOK 16,847,656 |
| Y2 | NOK 1,059,893,975 | NOK 23,211,678 | NOK 18,105,109 | NOK 15,481,630 |
| Y3 | NOK 1,081,091,854 | NOK 23,675,912 | NOK 18,467,211 | NOK 14,226,362 |
| Y4 | NOK 1,102,713,691 | NOK 24,149,430 | NOK 18,836,555 | NOK 13,072,873 |
| Y5 | NOK 1,124,767,965 | NOK 24,632,418 | NOK 19,213,286 | NOK 12,012,911 |
| Explicit PV (Y1–Y5) | NOK 71,641,432 | |||
| Terminal Value (undiscounted) | NOK 205,278,797 | |||
| Terminal PV (discounted) | NOK 128,348,468 | |||
| Total Brand Value | NOK 199,989,900 |
Supporting context
This section explains the evidence and judgment used to support the recommendation and the legal, brand and financial assumptions used in the valuation.
Reference case
Lendo
Prepared reference case
Indicative value of the Lendo comparison-service name across Sweden, Norway and Denmark. Mybanker and Compricer are separate names and are not valued here; nor are the lender contracts, comparison technology, customer relationships or the Lendo Group enterprise.
This replaces neither the Swedish Lendo AB accounts nor the value of the whole Lendo Group. It is one three-market name scenario using NOK 1.018737bn of Lendo AS 2025 income as a scale proxy, not a sum of Swedish, Norwegian and Danish company income. The separate Mybanker and Compricer names are excluded. The 3.00% name-only ceiling and 2.19% selected royalty are analyst assumptions, not an observed licence. The legal score includes a 0.25-percentage-point discount-rate increment for unverified cross-border rights and regulated credit-broker exposure. No matched three-market operating-profit denominator is disclosed, so a 25%-of-profit royalty check cannot be claimed. Behavioural and legal components are outside-in judgments, not a three-country customer survey or trademark opinion. The acquisition price for the full Lendo Group is only a broad plausibility check, not a direct brand-value comparable.
Informed by numerous sources including company reporting, investor materials, analyst research, market data and selected benchmark references where relevant.
Key inputs
Reported = directly sourced • Estimated = selected judgment • Inferred = derived from broader evidence • Assumed = inclusion choice
Revenue base
NOK 1.0187bn FY2025 cross-market Lendo-name exposure scenarioinferred
Planning growth
2.00% for 3 years, then 2.00%estimated
Long-term growth
1.50%estimated
Royalty rate selected
2.19%estimated
Discount rate
11.00%estimated
Brand Strength
73/100 (B)estimated
Legal analysis
63/100estimated
Company disclosures
These links lead to company-issued materials. BrandValuator cross-checks indicative estimates against multiple sources; the final assumptions and judgments are our own. Each input is labeled by evidence status above.
Legal Protection
trademark Status70
scope Of Rights65
risk Profile55
litigation60
contractual Rights60
goodwill Evidence75
regulatory Compliance55
Brand Strength
marketing Investment75
quality70
availability83
distinctive Brand Codes78
mental Availability82
consideration76
trust65
choice Share75
penetration72
price Elasticity60
revenue Premium68
margin Premium66
stability65