Avanza Bank Holding AB

Avanza Bank Holding AB

352.40
SEK
-7.80
(-2.17%)
16.20EPS
21.63P/E
55.50BMarket Cap
Jan 22Next 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
4.14
4.82
6.2
6.19
6.53
6.97
7.84
15.24
21.28
19.07
21.93
24.81
28.54
28.41
Basic EPS, GAAP
1.34
1.73
2.85
2.69
2.54
2.32
2.94
8.66
13.19
10.69
12.64
14.34
16.71
16.25
Free Cash Flow per Basic Share
9.88
10.09
26.4
8.23
11.24
32.37
14.59
44.61
28.82
49.06
55.14
25.39
200.12
197.15
Dividend per Share
1.6
1.6
1.38
2.08
2.09
2.09
2.09
2.3
3.81
9.18
7.5
11.5
11.74
11.74
Book Value per Share
5.5
5.65
7.67
8.77
9.51
10.67
12.65
20.47
30.22
31.61
37.1
40.19
50.24
50.24
Tangible Book Value per Share
5.34
5.47
7.42
8.35
8.93
10.11
12.15
19.94
29.53
30.93
36.54
39.77
49.69
49.69
Basic Weighted Avg Shares
144
144
146
148
149
150
152
154
155
156
157
157
157
157
Sales/Revenue/Turnover
597
696
905
918
976
1,048
1,193
2,350
3,301
2,973
3,437
3,901
4,493
4,471
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
10
7
8
8
12
20
63
84
70
81
88
92
96
96
Net Income, GAAP
193
250
415
399
379
349
447
1,335
2,047
1,666
1,982
2,254
2,631
2,558
Effective Tax Rate (%)
14.6
15.54
14.43
14.19
14.29
16.51
14.04
15.36
16
14.12
13.53
14
14.52
14.39
Profit Margin (%)
32.33
35.92
45.86
43.46
38.83
33.3
37.47
56.81
62.01
56.04
57.67
57.78
58.56
57.21
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
99
99
99
100
186
171
122
83
92
281
356
356
Total Equity
794
815
1,126
1,308
1,427
1,615
1,945
3,172
4,701
4,951
5,833
6,320
7,929
7,929
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
23.8
31.08
40.69
30.32
25.84
21.54
23.24
48.78
50.13
33.8
36.17
35.99
35.35
36.41
Return on Common Equity (%)
23.8
31.08
42.76
32.79
27.71
22.95
25.11
52.18
52
34.52
36.76
37.09
36.93
37.54

Capital Structure

SEK

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
157
157
158
Market Capitalization
48,280
50,363
55,501

Working Capital

SEK

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,612
13,554
13,061
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
22.71%
21.03%
25.46%
Free Cash Flow
99.88%
136.84%
688.91%
Net Income, GAAP
29.41%
16.83%
16.73%
Sales/Revenue/Turnover
20.08%
14.96%
15.18%
Total Cash Common Dividend
31.43%
49.45%
2.21%

Quarterly Revenue

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
962
942
972
1,077
3,901
2025
1,167
1,076
- -
1,151
4,493
2026
- -
1,353
- -
- -
- -

Quarterly Earnings Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.53
3.22
3.61
3.97
14.34
2025
4.5
3.82
- -
3.97
16.71
2026
- -
5.04
- -
- -
- -

Quarterly Dividends Per Share

SEK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
11.5
- -
- -
11.5
2025
- -
11.75
- -
- -
11.74
2026
- -
12.75
- -
- -
- -

Company Description

CEO
Gustaf Unger
Full Time Employees
722
Sector
Finance
Industry
Investment banks/Brokers
Address
Regeringsgatan 103 Stockholm AB Sweden 111 93
IPO Date
Nov 12, 1992
Website
avanza.se
Business
Avanza Bank Holding AB (publ) (AZA.ST) operates as a leading Swedish online bank specializing in savings, investments, and pensions through a digital platform. The company provides a comprehensive range of products and services, including trading in Swedish and foreign equities, funds, bonds, derivatives, and other securities; investment savings accounts (ISK), endowment insurance, occupational pensions, and individual pension plans; savings accounts with competitive rates and no fixed fees; margin lending; internally financed mortgages for private banking clients; and external mortgages distributed through partners such as Landshypotek; alongside educational tools, market analysis via Placera Media, and proprietary funds managed by subsidiary Avanza Fonder AB, including low-cost offerings like Avanza Zero and Avanza Global. Avanza serves primarily individual investors, professional traders, entrepreneurs, asset managers, and corporate clients seeking occupational pensions, with a customer base exceeding 2.2 million and savings capital surpassing SEK 1,000 billion, representing about 7.9% of the Swedish savings market. Founded in 1999 and headquartered in Stockholm, Sweden, the company conducts all operations domestically through subsidiaries including Avanza Bank AB, Avanza Fonder AB, and Placera Media Stockholm AB. Recent developments include the acquisition of Sigmastocks in July 2025 to enhance discretionary portfolio management for private banking clients; the sale of its stake in mortgage provider Stabelo to Swedbank to broaden mortgage offerings with higher loan-to-value ratios; issuance of SEK 800 million in Additional Tier 1 capital in Q2 2025; expansion of digital trading to Spain, Switzerland, and approximately 100 London Stock Exchange-listed companies; initiation of external savings account closures starting in 2025, targeting completion by spring 2026; and sustained customer growth with 132,300 net new customers and SEK 47.7 billion net inflow through September 2025.