Aktia Bank Abp

Aktia Bank Abp

AKTIA · HE · Financial Services / Banks - Regional

12.24EUR+0.24 (+2.00%)

Price History

Full chart

Market Stats

Previous Close12.00
Open12.00
Day Range11.88 – 12.26
52-Week Range9.21 – 13.38
Volume43.96K
Market Cap943.21M
P/E (TTM)55.74
Forward P/E0.00
EPS0.23
Dividend Yield6.24%
Beta0.35
50-Day Avg12.48
200-Day Avg12.08

About

Aktia Pankki Oyj, together with its subsidiaries, provides banking and financing solutions in Finland. It operates through four segments: Asset Management, Banking Business, Life Insurance, and Group Functions. The company offers banking services, including savings; fixed income, equity, and alternative investments; leisure, investment, and reverse mortgages; construction, investment, unsecured consumer, ASP, student, and green loans; secured consumer credit; and life, disability, critical illness, and group pension insurance products. It also provides investment, asset, and wealth management; business, customer funds, and currency accounts, as well as savings deposit; payment transactions; cards; online services; and financing services, such as bank guarantee, installment, leasing, and factoring. In addition, the company offers financing and liquidity management; sales assistance; and IT and product support and development. It serves individuals, corporate customers, and institutions. The company was formerly known as Aktia Savings Bank Plc, Banking Services and changed its name to Aktia Pankki Oyj in March 2008. Aktia Pankki Oyj was founded in 1825 and is headquartered in Helsinki, Finland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Anssi Huhta
  • Employees883
  • HeadquartersArkadiankatu 4-6, Helsinki, Finland, 00100, Finland
  • Websitehttps://www.aktia.fi

Leadership

  • Mr. Anssi HuhtaChief Executive Officer · b. 1977
  • Mr. Sakari JarvelaCFO & Deputy to the CEO · b. 1977
  • Mr. Samu LangChief Investment Officer
  • Mr. Oskari KurkiChief Information Officer · b. 1974
  • Oscar TaimitarhaDirector of Investor Relations
  • Ari SyrjalainenGeneral Counsel
  • Anne-Mari SmolanderCommunications Manager
  • Mr. Lasse CorinChief Economist
  • Mr. Karri VarisExecutive VP and Head of Asset & Liability Management · b. 1974
  • Mr. Pasi Vuorinen CEFAExecutive Vice President of Asset Management · b. 1971

Financials

Income Statement

Currency: EUR2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue195.53M330.77M294.58M314.13M331.52M284.72M274.99M247.02M222.96M211.81M202.86M215.69M203.42M260.76M323.26M507.60M581.58M677.80M
Growth (%)-+69.16%-10.94%+6.64%+5.54%-14.12%-3.42%-10.17%-9.74%-5.00%-4.23%+6.33%-5.69%+28.19%+23.97%+57.02%+14.57%+16.54%
Cost of Revenue144.04M134.10M92.55M136.01M115.02M60.31M62.61M38.28M13.23M1.40M-2.21M3.86M2.39M-3.00M20.33M220.28M272.94M194.43M
Gross Profit51.49M196.67M202.03M178.12M216.50M224.41M212.38M208.75M209.73M210.41M205.07M211.83M201.03M263.75M302.93M287.32M308.64M483.37M
Gross Margin26.34%59.46%68.58%56.70%65.31%78.82%77.23%84.50%94.07%99.34%101.09%98.21%98.83%101.15%93.71%56.60%53.07%71.31%
Operating Expense26.90M142.49M131.18M144.65M160.49M159.03M144.06M144.53M148.26M161.30M137.48M137.07M146.24M179.13M179.43M184.71M213.99M458.47M
Operating Income24.60M54.18M70.85M33.47M56.02M65.39M68.31M64.22M61.47M49.12M67.59M74.76M54.79M84.62M123.50M102.61M94.65M24.90M
Operating Margin12.58%16.38%24.05%10.66%16.90%22.96%24.84%26.00%27.57%23.19%33.32%34.66%26.94%32.45%38.21%20.22%16.27%3.67%
EBITDA27.86M59.12M75.47M37.44M63.26M72.16M75.66M72.34M69.65M59.12M80.97M87.46M67.40M101.25M142.38M123.06M139.84M109.40M
EBITDA Margin14.25%17.87%25.62%11.92%19.08%25.34%27.51%29.28%31.24%27.91%39.91%40.55%33.13%38.83%44.04%24.24%24.05%16.14%
Net Income-16.38M38.02M50.08M24.72M49.19M52.17M52.50M52.00M49.31M39.34M56.01M61.83M42.62M67.36M98.33M81.34M75.90M10.30M
Net Income Margin-8.38%11.49%17.00%7.87%14.84%18.32%19.09%21.05%22.12%18.57%27.61%28.66%20.95%25.83%30.42%16.02%13.05%1.52%
Interest Expense144.04M134.10M92.55M136.01M115.02M60.31M62.61M38.28M13.23M1.40M2.21M3.86M2.39M3.00M20.33M220.28M272.94M178.66M
Interest Expense % of Total Revenue73.66%40.54%31.42%43.30%34.69%21.18%22.77%15.50%5.93%0.66%1.09%1.79%1.17%1.15%6.29%43.40%46.93%26.36%

Balance Sheet

Currency: EUR2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets9.52B9.54B9.92B9.99B10.22B10.93B10.71B9.88B9.49B9.55B9.27B9.70B10.57B11.65B12.41B12.04B11.90B11.98B
Total Liabilities9.22B9.16B9.55B9.62B9.73B10.29B10.02B9.27B8.87B8.95B8.68B9.09B9.91B10.91B11.77B11.33B11.16B11.33B
Total Equity275.24M351.00M332.55M319.10M423.77M577.13M623.95M615.22M613.11M598.02M589.94M610.00M666.83M738.40M640.09M704.85M741.85M646.20M
Cash506.47M339.55M271.16M466.45M586.06M414.39M395.97M268.44M380.18M291.11M289.43M315.81M299.10M735.00M166.27M92.28M72.84M564.70M
Total Debt2.37B3.00B3.68B4.10B3.85B3.89B3.76B3.27B2.72B2.69B2.67B2.85B3.00B3.23B3.19B3.72B4.16B4.69B
Net Debt1.86B2.67B3.41B3.63B3.26B3.48B3.36B3.00B2.34B2.39B2.38B2.53B2.70B2.50B3.03B3.63B4.08B4.13B

Cash Flow

Currency: EUR2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow59.56M-221.46M-73.52M200.90M103.16M-50.91M59.08M-100.83M236.78M-16.28M41.26M53.06M55.55M576.23M-509.72M24.83M32.70M67.80M
Investing Cash Flow24.24M48.95M14.05M12.54M20.38M-50.78M-34.99M-10.72M-87.88M-10.59M10.55M4.76M-5.60M-126.41M-14.80M-43.71M-30.18M-33.00M
Financing Cash Flow55.29M6.39M-10.82M-16.42M-2.95M-70.90M-38.98M-19.79M-35.53M-49.79M-65.75M-36.13M-59.42M-1.02M-65.94M-31.87M-19.66M-60.30M
Capital Expenditure5.03M2.87M2.23M2.85M6.46M14.51M25.15M23.05M19.16M14.60M6.33M7.76M10.96M9.66M12.21M21.97M30.46M32.90M
Free Cash Flow54.53M-224.33M-75.75M198.05M96.69M-65.42M33.93M-123.88M217.62M-30.89M34.94M45.29M44.60M566.57M-521.93M2.87M2.24M34.90M
Dividends Paid--42.90M20.00M19.96M23.97M27.96M31.94M35.95M39.91M37.83M42.08M67.67M67.67M40.31M31.09M50.90M59.90M
FCF to OCF91.56%101.30%103.04%98.58%93.73%128.49%57.43%122.86%91.91%189.68%84.67%85.37%80.28%98.32%102.39%11.54%6.86%51.47%
Dividend Paid to FCF---56.63%10.10%20.64%-36.64%82.42%-25.78%16.52%-129.20%108.29%92.89%151.73%11.94%-7.72%1084.68%2270.29%171.63%

Earnings

Report DateDec 2, 2009Mar 3, 2010Jun 2, 2010Aug 12, 2010Nov 4, 2010Feb 17, 2011May 9, 2011Aug 3, 2011Nov 8, 2011Feb 15, 2012May 10, 2012Aug 6, 2012Nov 6, 2012Feb 14, 2013May 7, 2013Aug 6, 2013Nov 7, 2013Feb 12, 2014May 6, 2014Aug 5, 2014Nov 4, 2014Feb 12, 2015May 8, 2015Aug 11, 2015Nov 17, 2015Feb 12, 2016May 10, 2016Aug 10, 2016Nov 17, 2016Feb 14, 2017May 11, 2017Aug 8, 2017Nov 8, 2017Feb 15, 2018May 8, 2018Aug 7, 2018Oct 31, 2018Feb 14, 2019May 3, 2019Aug 1, 2019Oct 30, 2019Feb 14, 2020May 5, 2020Aug 4, 2020Nov 3, 2020Feb 18, 2021May 5, 2021Aug 5, 2021Nov 4, 2021Feb 16, 2022May 11, 2022Aug 5, 2022Nov 4, 2022Feb 17, 2023May 11, 2023Aug 9, 2023Nov 9, 2023Feb 8, 2024Apr 30, 2024Aug 2, 2024Nov 6, 2024Feb 12, 2025May 6, 2025Aug 5, 2025Nov 5, 2025Feb 5, 2026Apr 30, 2026Jul 30, 2026Oct 30, 2026
EPS Estimate-------------------0.210.230.160.200.230.210.130.120.260.200.21-0.210.100.100.200.200.200.120.190.170.210.190.070.200.200.220.200.230.280.260.120.290.210.200.200.280.320.330.320.330.310.260.340.290.300.270.280.360.27
EPS Actual0.240.020.180.250.260.140.200.130.090.110.290.210.150.090.220.160.220.180.200.270.190.140.200.250.200.130.180.270.190.090.200.170.100.140.230.210.290.110.210.300.200.230.030.190.180.220.200.290.270.230.150.150.140.170.270.290.340.300.410.330.340.310.320.250.300.250.190.46-
Surprise-------------------28.57%-17.39%-12.50%0.00%8.70%-4.76%0.00%50.00%3.85%-5.00%-57.14%--19.05%0.00%40.00%15.00%5.00%45.00%-8.33%10.53%76.47%-4.76%21.05%-57.14%-5.00%-10.00%0.00%0.00%26.09%-3.57%-11.54%25.00%-48.28%-33.33%-15.00%35.00%3.57%6.25%-9.09%28.13%0.00%9.68%19.23%-5.88%-12.72%0.00%-7.41%-32.14%27.78%-
Timing-------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hours

Key Statistics & Ratios

Market Cap943.21M
Enterprise Value3.50B
Trailing P/E55.74
Forward P/E0.00
Price / Sales3.24
Price / Book1.34
EPS0.23
Book Value8.69
Revenue (TTM)291.54M
Gross Profit (TTM)291.54M
Profit Margin6.44%
Operating Margin47.14%
Return on Equity2.59%
Return on Assets0.16%
Shares Outstanding73.57M
Shares Float47.94M
Beta0.35
Dividend Yield6.24%
Dividend Rate0.80
Payout Ratio66.67%

Dividends

20261×
0.80Apr 2, 2026
20251×
0.82Apr 4, 2025
20241×
0.70Apr 4, 2024
20231×
0.43Apr 6, 2023
20221×
0.56Apr 7, 2022
20212×
0.43Oct 6, 20210.53Jan 12, 2021
20201×
0.63Apr 17, 2020
20191×
0.61Apr 12, 2019
20181×
0.57Apr 11, 2018
20171×
0.60Apr 6, 2017
20161×
0.64Apr 13, 2016
20151×
0.48Apr 14, 2015
20141×
0.42Apr 8, 2014
20131×
0.50Apr 10, 2013
20121×
0.30Apr 17, 2012
20111×
0.30Mar 30, 2011