1. Sweden Stocks

  2. •

    Finance

  3. •

    Major banks
Avarda Bank AB

Avarda Bank AB

18.86
EUR
-0.44
(-2.28%)
1.05BMarket Cap
Jan 20Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.53
5.39
6.02
6.84
7.93
9.73
11.8
13.41
16.13
21.55
30.71
37.33
44.39
- -
Basic EPS, GAAP
1.34
1.54
1.45
1.82
2.35
2.97
3.44
3.14
4.3
5.31
6.15
9.78
10.32
- -
Free Cash Flow per Basic Share
5.3
1.96
3.99
-7.64
13.61
3.03
4.81
5.06
2.92
15.69
32.71
-25.27
11.79
43.3
Dividend per Share
0.02
0.01
0.28
0.15
0.73
0.75
0.77
- -
0.33
0.33
- -
- -
1.67
- -
Book Value per Share
3.7
4.22
5.35
7.08
8.38
11.27
13.88
16.8
22.18
26.96
33.5
42.99
50.86
52.03
Tangible Book Value per Share
3.63
4.15
4.98
6.6
7.74
10.48
12.81
15.67
20.92
25.41
31.86
41.16
49.27
50.57
Basic Weighted Avg Shares
65
65
65
64
65
65
64
65
65
65
65
65
65
50
Sales/Revenue/Turnover
292
347
388
441
512
628
761
865
1,041
1,390
1,981
2,413
2,869
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
3
5
5
7
10
18
21
29
37
60
68
70
- -
Net Income, GAAP
86
100
93
118
151
192
222
203
277
342
397
632
667
- -
Effective Tax Rate (%)
21.48
21.82
24.43
21.85
23.38
23.31
23.3
22.81
21.37
21.41
22.15
19.75
21.85
- -
Profit Margin (%)
29.52
28.66
24.03
26.66
29.61
30.56
29.17
23.43
26.64
24.63
20.03
26.2
23.25
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
98
97
98
111
238
280
252
297
506
512
579
395
Total Equity
239
272
351
469
541
727
895
1,084
1,431
1,739
2,161
2,773
3,288
3,364
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
38.95
26.93
24.77
25.74
25.99
22.52
16.23
18.2
18.42
16.87
21.25
18.65
- -
Return on Common Equity (%)
- -
38.95
30.21
29.31
30.36
30.27
27.37
20.49
22.05
21.61
20.35
25.63
22.01
- -

Capital Structure

SEK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
65
65
65
Market Capitalization
10,670
10,616
11,586

Working Capital

SEK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18
13
9
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SEK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
25.22%
24.95%
18.59%
Free Cash Flow
-40.36%
35.94%
-146.66%
Net Income, GAAP
22.96%
28.2%
5.49%
Sales/Revenue/Turnover
22.44%
27.42%
18.91%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
561
595
625
657
2,413
2025
668
690
- -
798
2,869
2026
827
896
- -
- -
- -

Quarterly Earnings Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.8
1.93
2.28
3.78
9.78
2025
2.25
2.34
- -
2.93
10.32
2026
3.26
3.07
- -
- -
- -

Quarterly Dividends Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
1.67
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Joakim Jansson
Full Time Employees
471
Sector
Finance
Industry
Major banks
Address
Lilla Brogatan 6 Borås Sweden 503 30
IPO Date
Jun 14, 2016
Website
tfbank.se
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Business
TF Bank AB (publ) (TFBANK.ST) operates as a digital bank providing consumer banking services and e-commerce solutions through a proprietary, scalable IT platform. The company offers deposit products including savings accounts; unsecured consumer loans such as personal loans and sales finance; digital payment solutions for e-commerce including invoice and installment payment options; and credit cards under multiple brands targeting creditworthy private individuals. It conducts lending and deposit activities across three segments—Consumer Lending, Ecommerce Solutions, and Credit Cards—in markets including Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, Austria, Ireland, the Netherlands, Italy, and Spain through subsidiaries, branches, or cross-border operations supported by its Swedish banking license. Founded in 1987 and headquartered in Borås, Sweden, TF Bank recently adopted new financial targets in April 2025 aiming for a SEK 35 billion loan portfolio by the second half of 2027 while maintaining return on equity exceeding 20%; reported 20% year-over-year loan book growth in local currencies as of late 2025 driven by credit cards in Germany and e-commerce solutions; mandated arranger meetings in November 2025 for a potential SEK 150 million Tier 2 bond issuance to refinance existing debt and support corporate purposes; expedited the transfer of its majority stake in subsidiary Rediem Capital AB; and distributed an extraordinary dividend of SEK 5 per share following strong Q3 2025 results with 24% operating profit growth over Q2 2024.