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AVARDA BANK

AVARDA BANK

AVARDA · ST · Financial Services / Banks - Diversified

233.50SEK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close233.50
Open232.50
Day Range232.00 – 235.00
52-Week Range143.46 – 218.00
Volume39.93K
Market Cap12.79B
P/E (TTM)16.96
Forward P/E10.81
EPS11.66
Dividend Yield2.53%
Beta0.53
50-Day Avg201.79
200-Day Avg177.48

About

Avarda Bank AB (publ), a digital credit and payment platform, provides consumer banking services and e-commerce solutions in Sweden. The company operates through three segments: Consumer Lending, Ecommerce Solutions, and Credit Cards. It offers deposit products; unsecured consumer loans; and digital payment solutions, as well as credit cards. The company serves private individuals in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, Austria, Ireland, the Netherlands, Italy, and Spain. Avarda Bank AB (publ) was formerly known as TF Bank AB (publ) and changed its name to Avarda Bank AB (publ) in April 2026. The company was incorporated in 1972 and is headquartered in Borås, Sweden.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMr. Joakim Jansson
  • Employees511
  • HeadquartersLilla Brogatan 6, Borås, Sweden, 503 30, Sweden
  • Websitehttps://group.avarda.com

Leadership

  • Mr. Joakim JanssonCEO & President · b. 1976
  • Mr. Mikael MeomuttelCFO, Deputy CEO & Head of Investor Relations · b. 1976
  • Ms. Claudia WieseChief Operating Officer · b. 1992
  • Nicole NorrestadHead of Legal & Co-Acting Head of Corporate Office · b. 1974
  • Mr. Wojciech DrozdHead of Poland · b. 1974
  • Ms. Vilma SoolChief Commercial Officer · b. 1986
  • Mr. Juho MaanpääHead of Finland
  • Mr. Juris PuceHead of Latvia
  • Mr. Tobias FahlqvistHead of Group Controlling & Investor Relations
  • Jonas DanielssonChief Risk Officer

Financials

Income Statement

Currency: SEK2022-12-312023-12-312024-12-312025-12-31
Total Revenue1.39B1.98B2.41B2.87B
Growth (%)-+42.47%+21.83%+18.91%
Net Income342.46M396.70M632.35M667.05M
Net Income Margin24.63%20.03%26.20%23.25%
Interest Expense210.79M511.57M801.20M760.74M
Interest Expense % of Total Revenue15.16%25.83%33.20%26.51%

Balance Sheet

Currency: SEK2022-12-312023-12-312024-12-312025-12-31
Total Assets18.38B23.95B25.07B29.12B
Total Liabilities16.64B21.79B22.30B25.83B
Total Equity1.74B2.16B2.77B3.29B
Cash57.69M18.92M18.56M17.58M
Net Debt215.78M432.40M425.87M492.43M

Cash Flow

Currency: SEK2022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.06B2.20B-1.55B803.94M
Capital Expenditure48.23M91.51M84.26M41.85M
Free Cash Flow1.01B2.11B-1.63B762.10M
Dividends Paid21.50M--107.75M
FCF to OCF95.45%95.84%105.44%94.79%
Dividend Paid to FCF2.12%--14.14%

Earnings

Report DateAug 31, 2016Oct 27, 2016Feb 9, 2017Apr 27, 2017Jul 18, 2017Oct 26, 2017Feb 8, 2018Apr 26, 2018Jul 13, 2018Oct 25, 2018Feb 7, 2019Apr 25, 2019Jul 16, 2019Oct 24, 2019Feb 6, 2020Apr 16, 2020Jul 14, 2020Oct 15, 2020Jan 28, 2021Apr 19, 2021Jul 13, 2021Oct 18, 2021Jan 25, 2022Apr 19, 2022Jul 12, 2022Oct 17, 2022Jan 20, 2023Apr 17, 2023Jul 13, 2023Oct 18, 2023Jan 19, 2024Apr 16, 2024Jul 12, 2024Oct 15, 2024Jan 20, 2025Apr 14, 2025Jul 11, 2025Oct 14, 2025Jan 20, 2026Apr 13, 2026Jul 10, 2026Oct 14, 2026
EPS Estimate---0.560.600.640.600.570.660.690.760.760.810.87-0.520.790.810.850.840.951.081.181.161.211.261.401.391.321.491.561.581.761.932.192.122.312.612.822.842.963.47
EPS Actual1.011.701.630.530.590.620.610.580.640.720.740.760.820.900.860.500.800.850.890.950.971.091.171.201.251.291.321.361.421.531.551.681.812.182.082.192.242.702.832.892.97-
Surprise----5.36%-1.67%-3.13%1.67%1.75%-3.03%4.35%-2.63%0.00%1.23%3.45%--3.85%1.27%4.94%4.71%13.10%2.11%0.93%-0.85%3.45%3.31%2.38%-5.71%-2.16%7.58%2.68%-0.64%6.33%2.84%12.95%-5.02%3.30%-3.03%3.45%0.35%1.76%0.34%-
Timing---Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hours

Key Statistics & Ratios

Market Cap12.79B
Enterprise Value7.39B
Trailing P/E16.96
Forward P/E10.81
Price / Sales6.04
Price / Book3.97
EPS11.66
Book Value48.16
Revenue (TTM)2.12B
Gross Profit (TTM)2.12B
Profit Margin36.80%
Operating Margin45.20%
Return on Equity24.69%
Return on Assets2.65%
Shares Outstanding64.65M
Shares Float22.66M
Beta0.53
Dividend Yield2.53%
Dividend Rate5.00
Payout Ratio43.90%

Dividends

20261×
5.00May 6, 2026
20251×
1.67Jun 18, 2025
20221×
0.33May 4, 2022
20211×
0.33May 5, 2021
20191×
0.77May 8, 2019
20181×
0.75May 3, 2018
20171×
0.73May 4, 2017

Stock Splits

  • Jul 18, 20253:1