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Avanza Bank Holding AB (publ)

Avanza Bank Holding AB (publ)

AZA · ST · Financial Services / Banks - Regional

396.60SEK+16.60 (+4.37%)

Price History

Full chart

Market Stats

Previous Close380.00
Open379.70
Day Range378.10 – 398.60
52-Week Range306.91 – 409.00
Volume686.50K
Market Cap61.79B
P/E (TTM)21.79
Forward P/E18.38
EPS17.93
Dividend Yield3.31%
Beta0.64
50-Day Avg393.27
200-Day Avg363.83

About

Avanza Bank Holding AB (publ), together with its subsidiaries, provides various savings, pension, and mortgages products in Sweden. It offers share and fund, investment savings, endowment insurance, savings, endowment child insurance, external deposit, and pension insurance accounts, as well as occupational pensions and individual pension plans. The company also trades in equities, funds, and other securities; and provides external and green mortgages, private banking mortgages, margin loans, and stock lending products. In addition, it offers decision support services and others; and publishes topical news and independent advice on the financial website, Placera, as well as on the weekly financial magazine, Börsveckan. The company primarily serves individual and professional investors, and corporate customers, such as entrepreneurs, asset managers, and occupational pension customers. Avanza Bank Holding AB (publ) was incorporated in 1986 and is headquartered in Stockholm, Sweden.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Gustaf Unger
  • Employees764
  • HeadquartersRegeringsgatan 103, Stockholm, Sweden, 111 93, Sweden
  • Websitehttps://www.avanza.se

Leadership

  • Mr. Gustaf UngerChief Executive Officer · b. 1973
  • Mr. Jonas SvarlingChief Financial Officer · b. 1978
  • Mr. Jesper BonnivierChief Operations Officer · b. 1974
  • Jacob SmithHead of Private & Investment Banking · b. 1990
  • Mr. Fredrik BromanChief Technology Officer · b. 1971
  • Ms. Karolina JohanssonHead of Investor Relations
  • Ms. Teresa SchechterChief Legal Officer · b. 1970
  • Ms. Åsa DammertChief Human Resources Officer · b. 1971
  • Mr. Erik GjotterbergChief Business Development Officer · b. 1966
  • Mr. Olov ErikssonChief Product Officer · b. 1981

Financials

Income Statement

Currency: SEK2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue138.06M158.64M218.71M296.35M498.00M684.00M710.00M535.00M638.00M780.00M634.00M645.00M739.00M960.00M1.01B1.09B1.17B1.28B2.43B3.41B3.12B4.40B5.08B5.74B
Growth (%)-+14.91%+37.87%+35.50%+68.05%+37.35%+3.80%-24.65%+19.25%+22.26%-18.72%+1.74%+14.57%+29.91%+5.73%+7.00%+7.83%+9.31%+89.84%+40.25%-8.45%+41.12%+15.35%+12.92%
Cost of Revenue15.61M8.74M8.21M11.26M43.00M127.00M201.00M20.00M17.00M85.00M72.00M48.00M43.00M55.00M97.00M110.00M123.00M87.00M80.00M107.00M147.00M966.00M1.18B1.43B
Gross Profit122.45M149.90M210.51M285.08M455.00M557.00M509.00M515.00M621.00M695.00M562.00M597.00M696.00M905.00M918.00M976.00M1.05B1.19B2.35B3.30B2.97B3.44B3.90B4.30B
Gross Margin88.70%94.49%96.25%96.20%91.37%81.43%71.69%96.26%97.34%89.10%88.64%92.56%94.18%94.27%90.44%89.87%89.50%93.20%96.71%96.86%95.29%78.06%76.81%75.03%
Operating Expense104.40M99.58M109.36M138.43M211.00M250.00M270.00M235.00M290.00M354.00M361.00M371.00M400.00M420.00M453.00M535.00M630.00M673.00M774.00M864.00M1.03B1.15B1.28B1.23B
Operating Income18.05M50.33M101.15M146.65M244.00M307.00M239.00M280.00M331.00M341.00M201.00M226.00M296.00M485.00M465.00M441.00M418.00M520.00M1.58B2.44B1.94B2.29B2.62B3.08B
Operating Margin13.08%31.72%46.25%49.49%49.00%44.88%33.66%52.34%51.88%43.72%31.70%35.04%40.05%50.52%45.81%40.61%35.70%40.63%64.86%71.51%62.18%52.06%51.60%53.67%
EBITDA37.77M64.82M105.60M153.01M252.00M317.00M252.00M288.00M342.00M352.00M223.00M236.00M303.00M493.00M473.00M453.00M438.00M583.00M1.66B2.51B2.02B2.38B2.71B3.17B
EBITDA Margin27.36%40.86%48.28%51.63%50.60%46.35%35.49%53.83%53.61%45.13%35.17%36.59%41.00%51.35%46.60%41.71%37.40%45.55%68.31%73.56%64.78%54.05%53.42%55.34%
Net Income13.45M36.32M74.19M105.89M188.00M233.00M185.00M228.00M271.00M291.00M160.00M193.00M250.00M415.00M399.00M379.00M349.00M447.00M1.33B2.05B1.67B1.98B2.25B2.63B
Net Income Margin9.74%22.89%33.92%35.73%37.75%34.06%26.06%42.62%42.48%37.31%25.24%29.92%33.83%43.23%39.31%34.90%29.80%34.92%54.94%60.06%53.40%45.01%44.38%45.88%
R&D--------------0.40.350.310.360.580.630.560.49--
R&D as % of Total Revenue--------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense15.61M8.74M8.21M11.26M43.00M127.00M201.00M20.00M17.00M85.00M72.00M48.00M43.00M55.00M97.00M110.00M123.00M87.00M80.00M107.00M147.00M966.00M1.18B739.00M
Interest Expense % of Total Revenue11.30%5.51%3.75%3.80%8.63%18.57%28.31%3.74%2.66%10.90%11.36%7.44%5.82%5.73%9.56%10.13%10.50%6.80%3.29%3.14%4.71%21.94%23.19%12.89%

Balance Sheet

Currency: SEK2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets904.26M1.38B1.71B4.50B8.72B14.45B15.60B27.80B40.24B39.58B45.21B56.63B67.30B88.62B100.62B116.12B122.14B155.94B204.78B279.08B241.09B282.45B343.61B417.05B
Total Liabilities712.22M1.15B1.43B4.15B8.23B13.88B14.97B27.10B39.43B38.71B44.38B55.84B66.48B87.50B99.31B114.69B120.49B154.00B201.60B274.38B236.14B276.62B337.29B409.12B
Total Equity191.78M228.33M275.79M353.76M489.00M573.00M628.00M693.00M813.00M875.00M828.00M794.00M815.00M1.13B1.31B1.43B1.65B1.95B3.17B4.70B4.95B5.83B6.32B7.93B
Cash----------7.43B8.46B3.78B1.60B1.45B1.68B2.91B1.34B1.43B2.94B4.92B8.63B8.19B13.06B
Total Debt-------------99.00M99.00M99.00M33.42B36.59B44.11B53.78B54.39B92.00M281.00M712.00M
Net Debt-----------7.43B-8.46B-3.78B99.00M99.00M99.00M-2.81B-1.15B-1.26B-2.82B-4.83B-8.54B-7.91B-12.35B

Cash Flow

Currency: SEK2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow158.21M169.83M-151.81M345.95M2.15B1.48B2.52B-966.00M1.05B2.59B-473.00M1.43B1.47B3.88B1.25B1.73B4.89B2.23B6.89B4.53B7.65B8.64B3.99B31.72B
Investing Cash Flow-1.23M-6.64M-9.42M-4.94M-16.00M-10.00M-10.00M-7.00M-20.00M-21.00M-3.00M-4.00M-5.92B-6.06B-1.18B-1.24B-2.58B-2.82B-5.95B-2.62B-4.37B-3.28B-1.20B-23.86B
Financing Cash Flow510.00K--26.32M-27.92M-53.00M-149.00M-131.00M-162.00M-152.00M-228.00M-207.00M-392.00M-229.00M-5.00M-217.00M-259.00M-202.00M-131.00M-347.00M-554.00M-1.36B-1.09B-1.83B-1.08B
Capital Expenditure1.30M6.64M5.67M4.94M14.00M10.00M10.00M4.00M13.00M21.00M3.00M4.00M11.00M28.00M30.00M50.00M25.00M10.00M63.00M56.00M44.00M24.00M42.00M70.00M
Free Cash Flow156.91M163.19M-157.48M341.02M2.13B1.47B2.51B-970.00M1.04B2.57B-476.00M1.43B1.46B3.85B1.22B1.68B4.87B2.22B6.83B4.47B7.61B8.62B3.95B31.65B
Dividends Paid--26.62M41.20M55.00M110.00M163.00M165.00M221.00M266.00M283.00M231.00M231.00M202.00M308.00M313.00M315.00M318.00M354.00M591.00M1.43B1.18B1.81B1.85B
FCF to OCF99.18%96.09%103.73%98.57%99.35%99.33%99.60%100.41%98.77%99.19%100.63%99.72%99.25%99.28%97.60%97.11%99.49%99.55%99.09%98.76%99.42%99.72%98.95%99.78%
Dividend Paid to FCF---16.91%12.08%2.58%7.46%6.49%-17.01%21.23%10.37%-59.45%16.19%15.87%5.25%25.25%18.63%6.47%14.32%5.19%13.22%18.82%13.63%45.76%5.84%

Earnings

Report DateMar 31, 2001Jun 30, 2001Mar 31, 2002Apr 14, 2008Jul 11, 2008Oct 14, 2008Jan 21, 2009Apr 21, 2009Jul 10, 2009Oct 16, 2009Jan 20, 2010Apr 21, 2010Jul 9, 2010Oct 14, 2010Jan 20, 2011Apr 14, 2011Jul 12, 2011Oct 12, 2011Jan 18, 2012Apr 19, 2012Jul 11, 2012Oct 11, 2012Jan 17, 2013Apr 17, 2013Jul 10, 2013Oct 16, 2013Jan 16, 2014Apr 15, 2014Jul 11, 2014Oct 16, 2014Jan 21, 2015Apr 20, 2015Jul 14, 2015Oct 20, 2015Jan 21, 2016Apr 19, 2016Jul 13, 2016Oct 18, 2016Jan 19, 2017Apr 20, 2017Jul 13, 2017Oct 19, 2017Jan 18, 2018Apr 18, 2018Jul 12, 2018Oct 18, 2018Jan 17, 2019Apr 16, 2019Jul 11, 2019Oct 17, 2019Jan 21, 2020Apr 21, 2020Jul 14, 2020Oct 19, 2020Jan 21, 2021Apr 20, 2021Jul 13, 2021Oct 18, 2021Jan 20, 2022Apr 25, 2022Jul 14, 2022Oct 18, 2022Jan 20, 2023Apr 24, 2023Jul 14, 2023Oct 20, 2023Jan 19, 2024Apr 19, 2024Jul 12, 2024Oct 18, 2024Jan 21, 2025Apr 15, 2025Jul 11, 2025Oct 17, 2025Jan 21, 2026Apr 21, 2026Jul 13, 2026Oct 16, 2026
EPS Estimate-------------0.460.500.630.460.500.34-------0.350.420.380.460.460.690.690.710.820.630.690.620.670.690.660.640.560.690.610.690.660.670.790.870.821.561.672.032.243.082.972.943.162.881.932.142.783.262.793.183.073.453.443.503.604.053.794.123.884.594.735.05
EPS Actual-0.05-0.120.000.390.330.340.280.320.440.430.460.530.490.430.490.630.490.640.390.420.270.220.210.310.220.430.370.450.380.420.470.680.710.630.800.670.640.710.680.690.590.590.650.690.530.710.620.570.670.910.791.981.812.122.443.942.843.053.062.811.882.783.153.183.013.253.183.533.213.613.974.483.814.353.884.704.96-
Surprise--------------6.52%-2.00%0.00%6.52%28.00%14.71%-------5.71%7.14%0.00%-8.70%2.17%-1.45%2.90%-11.27%-2.44%6.35%-7.25%14.52%1.49%0.00%-10.61%-7.81%16.07%0.00%-13.11%2.90%-6.06%-14.93%-15.19%4.60%-3.66%26.92%8.38%4.43%8.93%27.92%-4.38%3.74%-3.16%-2.43%-2.59%29.91%13.31%-2.45%7.89%2.20%3.58%2.32%-6.69%3.14%10.28%10.62%0.53%5.58%0.00%2.40%4.86%-
Timing-------------After-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hours-------Pre-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-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap61.79B
Enterprise Value58.87B
Trailing P/E21.79
Forward P/E18.38
PEG Ratio6.32
Price / Sales11.49
Price / Book7.51
EPS17.93
Book Value42.31
Revenue (TTM)5.38B
Gross Profit (TTM)4.88B
Profit Margin53.03%
Operating Margin63.49%
Return on Equity39.11%
Return on Assets0.67%
Shares Outstanding158.16M
Shares Float114.77M
Beta0.64
Dividend Yield3.31%
Dividend Rate12.75
Payout Ratio71.27%

Dividends

20261×
12.75Apr 29, 2026
20251×
11.75Apr 25, 2025
20241×
11.50Apr 12, 2024
20231×
7.50Mar 31, 2023
20221×
9.20Apr 1, 2022
20212×
2.95Nov 17, 20210.85Mar 31, 2021
20201×
2.30Mar 18, 2020
20191×
2.10Mar 20, 2019
20181×
2.10Mar 21, 2018
20171×
2.10Mar 22, 2017
20161×
2.10Apr 6, 2016
20151×
1.40Mar 19, 2015
20141×
1.60Apr 30, 2014
20131×
1.60Apr 18, 2013
20121×
2.00Apr 20, 2012
20111×
1.90Apr 15, 2011
20101×
1.60Apr 22, 2010
20091×
1.20Apr 22, 2009
20081×
1.20Apr 16, 2008
20071×
0.80Mar 23, 2007
20061×
0.40Apr 6, 2006
20051×
0.30Mar 17, 2005
20041×
0.20Apr 1, 2004

Stock Splits

  • Apr 15, 20195:1
  • Oct 13, 200034:31
  • Oct 7, 19934:1