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Kvika banki hf.

Kvika banki hf.

KVIKA.IC
Kvika banki hf.IS flagNASDAQ Iceland
13.20
ISK
-0.35
- -
57.06BMarket Cap
Kvika banki hf.
KVIKA.IC
(NASDAQ Iceland)

Recent

price

13.20

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.48
4.75
3.62
3.35
3.92
4.05
5.39
2.96
3.11
3.68
4.45
4.02
Revenue per Share
-0.37
1.39
1.15
0.95
1.41
1.1
2.62
1
0.84
1.75
1.42
2
Basic EPS, GAAP
-5.07
-3.26
6.35
-1.56
-0.36
-2.11
6.37
-0.67
-3.72
3.3
-5.3
-4.33
Free Cash Flow per Basic Share
- -
- -
0.29
- -
0.24
- -
- -
- -
0.4
- -
5.24
- -
Dividend per Share
1.14
2.38
3.36
3.41
4.37
4.62
4.5
6.01
6.28
7.16
- -
4.19
Book Value per Share
4.67
5.29
6.26
5.8
6.49
7.31
11.43
9.63
12.62
14.56
-4.78
9.6
Tangible Book Value per Share
1,390
1,390
1,390
1,826
1,884
2,141
4,105
4,883
4,758
4,658
4,418
4,663
Basic Weighted Avg Shares
4,836
6,601
5,029
6,122
7,394
8,673
22,108
14,452
14,816
17,142
19,649
18,745
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
261
31
78
25
156
301
1,967
1,191
1,109
1,106
1,348
1,345
Depreciation Expense
-511
1,928
1,593
1,742
2,662
2,349
10,734
4,883
4,019
8,143
6,267
9,333
Net Income, GAAP
278.09
- -
- -
2.41
- -
2.81
- -
9.36
23.43
19.37
29.84
25.88
Effective Tax Rate (%)
-10.56
29.21
31.67
28.45
36
27.08
48.55
33.79
27.12
47.5
31.89
49.79
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
19,691
17,994
7,050
9,913
11,626
10,127
38,621
61,959
68,243
58,299
86,699
100,566
LT Debt
6,531
7,397
10,982
12,970
15,515
19,208
78,368
81,089
81,958
89,517
- -
66,090
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
78.78
39.99
32
36.82
25.92
75.68
20.42
13.57
25.76
37.6
36.85
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,660
4,612
4,423
Market Capitalization
96,318
72,784
81,371

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
18,594
43,909
30,919
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
- -
Free Cash Flow
-76.43%
-158.87%
-252.63%
Net Income, GAAP
-7.99%
72.89%
-23.04%
Sales/Revenue/Turnover
22.56%
30.62%
14.62%
Total Cash Common Dividend
- -
- -
1,109.73%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,069
3,970
4,455
4,650
17,142
2025
4,533
5,107
5,147
- -
19,649
2026
4,917
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.27
0.5
0.74
1.75
2025
0.45
0.31
- -
- -
1.42
2026
0.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
5.24
2026
0.36
- -
- -
- -
- -
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Business
Kvika banki hf. (Ticker: KVIKA.IC) operates as a leading financial services provider in Iceland, offering a comprehensive range of banking, investment, and wealth management solutions to retail, corporate, and institutional clients. The company delivers core products and services including deposit accounts, mortgage and consumer loans, corporate lending, payment services, debit and credit cards; investment banking encompassing equity and debt capital markets advisory, mergers and acquisitions support, and structured finance; asset management through mutual funds, pension products, and discretionary portfolio management under the Kvika brand; as well as brokerage services for equities, bonds, and derivatives traded on the Nasdaq Iceland exchange. Founded in 2009 and headquartered in Reykjavik, Iceland, Kvika banki primarily serves the domestic Icelandic market with targeted operations in the Nordic region, focusing on high-net-worth individuals, small and medium-sized enterprises, and public sector entities. In recent developments, the company expanded its digital banking platform with new mobile app features for real-time investment tracking launched in early 2025; formed a strategic partnership with a leading Nordic fintech firm in Q3 2025 to enhance cross-border payment capabilities; and completed a significant acquisition of a local asset management boutique in late 2024, bolstering its pension fund offerings amid growing demand for sustainable investment products.