Avanza Bank Holding AB (publ) Logo

Avanza Bank Holding AB (publ)

AZA.ST

(2.0)
Stock Price

221,40 SEK

0.65% ROA

36.55% ROE

18.2x PER

Market Cap.

37.579.643.000,00 SEK

0% DER

4.81% Yield

46.06% NPM

Avanza Bank Holding AB (publ) Stock Analysis

Avanza Bank Holding AB (publ) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Avanza Bank Holding AB (publ) Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (38.7%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (1%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

4 ROA

The stock's ROA (0.74%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Buffet Intrinsic Value

The company's stock seems undervalued (603) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 PBV

The stock's elevated P/BV ratio (6.33x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

7 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Avanza Bank Holding AB (publ) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Avanza Bank Holding AB (publ) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Avanza Bank Holding AB (publ) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Avanza Bank Holding AB (publ) Revenue
Year Revenue Growth
2002 122.450.000
2003 149.902.000 18.31%
2004 210.507.000 28.79%
2005 285.083.000 26.16%
2006 455.000.000 37.34%
2007 557.000.000 18.31%
2008 509.000.000 -9.43%
2009 515.000.000 1.17%
2010 621.000.000 17.07%
2011 695.000.000 10.65%
2012 562.000.000 -23.67%
2013 597.000.000 5.86%
2014 696.000.000 14.22%
2015 923.000.000 24.59%
2016 918.000.000 -0.54%
2017 985.000.000 6.8%
2018 1.049.000.000 6.1%
2019 1.193.000.000 12.07%
2020 2.349.000.000 49.21%
2021 3.302.000.000 28.86%
2022 2.972.000.000 -11.1%
2023 3.460.000.000 14.1%
2023 4.715.000.000 26.62%
2024 4.108.000.000 -14.78%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Avanza Bank Holding AB (publ) Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Avanza Bank Holding AB (publ) General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 78.297.000
2003 76.864.000 -1.86%
2004 89.650.000 14.26%
2005 106.408.000 15.75%
2006 151.000.000 29.53%
2007 179.000.000 15.64%
2008 207.000.000 13.53%
2009 192.000.000 -7.81%
2010 45.000.000 -326.67%
2011 57.000.000 21.05%
2012 98.000.000 41.84%
2013 107.000.000 8.41%
2014 100.000.000 -7%
2015 106.000.000 5.66%
2016 107.000.000 0.93%
2017 149.000.000 28.19%
2018 173.000.000 13.87%
2019 154.000.000 -12.34%
2020 172.000.000 10.47%
2021 187.000.000 8.02%
2022 264.000.000 29.17%
2023 916.000.000 71.18%
2023 225.000.000 -307.11%
2024 1.172.000.000 80.8%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Avanza Bank Holding AB (publ) EBITDA
Year EBITDA Growth
2002 53.365.000
2003 73.793.000 27.68%
2004 113.639.000 35.06%
2005 164.279.000 30.83%
2006 295.000.000 44.31%
2007 444.000.000 33.56%
2008 453.000.000 1.99%
2009 308.000.000 -47.08%
2010 359.000.000 14.21%
2011 437.000.000 17.85%
2012 295.000.000 -48.14%
2013 284.000.000 -3.87%
2014 346.000.000 17.92%
2015 530.000.000 34.72%
2016 570.000.000 7.02%
2017 564.000.000 -1.06%
2018 595.000.000 5.21%
2019 583.000.000 -2.06%
2020 1.661.000.000 64.9%
2021 2.507.000.000 33.75%
2022 2.168.000.000 -15.64%
2023 2.440.000.000 11.15%
2023 2.380.000.000 -2.52%
2024 4.000.000 -59400%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Avanza Bank Holding AB (publ) Gross Profit
Year Gross Profit Growth
2002 122.450.000
2003 149.902.000 18.31%
2004 210.507.000 28.79%
2005 285.083.000 26.16%
2006 455.000.000 37.34%
2007 557.000.000 18.31%
2008 509.000.000 -9.43%
2009 515.000.000 1.17%
2010 621.000.000 17.07%
2011 695.000.000 10.65%
2012 562.000.000 -23.67%
2013 597.000.000 5.86%
2014 696.000.000 14.22%
2015 923.000.000 24.59%
2016 918.000.000 -0.54%
2017 985.000.000 6.8%
2018 787.000.000 -25.16%
2019 868.000.000 9.33%
2020 1.900.000.000 54.32%
2021 2.699.000.000 29.6%
2022 2.419.000.000 -11.58%
2023 3.460.000.000 30.09%
2023 3.349.000.000 -3.31%
2024 2.364.000.000 -41.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Avanza Bank Holding AB (publ) Net Profit
Year Net Profit Growth
2002 13.447.000
2003 36.319.000 62.98%
2004 65.295.000 44.38%
2005 105.889.000 38.34%
2006 188.000.000 43.68%
2007 233.000.000 19.31%
2008 185.000.000 -25.95%
2009 228.000.000 18.86%
2010 271.000.000 15.87%
2011 291.000.000 6.87%
2012 160.000.000 -81.88%
2013 193.000.000 17.1%
2014 250.000.000 22.8%
2015 415.000.000 39.76%
2016 399.000.000 -4.01%
2017 379.000.000 -5.28%
2018 384.000.000 1.3%
2019 447.000.000 14.09%
2020 1.335.000.000 66.52%
2021 2.047.000.000 34.78%
2022 1.666.000.000 -22.87%
2023 2.040.000.000 18.33%
2023 1.982.000.000 -2.93%
2024 2.024.000.000 2.08%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Avanza Bank Holding AB (publ) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 2 0%
2008 1 0%
2009 2 0%
2010 2 0%
2011 2 50%
2012 1 -100%
2013 1 0%
2014 2 0%
2015 3 50%
2016 3 0%
2017 3 0%
2018 3 0%
2019 3 0%
2020 9 75%
2021 13 38.46%
2022 11 -30%
2023 13 23.08%
2023 13 -8.33%
2024 13 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Avanza Bank Holding AB (publ) Free Cashflow
Year Free Cashflow Growth
2002 156.911.000
2003 163.188.000 3.85%
2004 -157.482.000 203.62%
2005 341.016.000 146.18%
2006 2.132.000.000 84%
2007 1.474.000.000 -44.64%
2008 2.513.000.000 41.35%
2009 -970.000.000 359.07%
2010 1.041.000.000 193.18%
2011 2.566.000.000 59.43%
2012 -476.000.000 639.08%
2013 1.481.000.000 132.14%
2014 1.456.000.000 -1.72%
2015 3.851.000.000 62.19%
2016 1.220.000.000 -215.66%
2017 1.680.000.000 27.38%
2018 4.870.000.000 65.5%
2019 2.220.000.000 -119.37%
2020 6.827.000.000 67.48%
2021 4.472.000.000 -52.66%
2022 7.605.000.000 41.2%
2023 2.292.000.000 -231.81%
2023 1.517.000.000 -51.09%
2024 -774.000.000 295.99%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Avanza Bank Holding AB (publ) Operating Cashflow
Year Operating Cashflow Growth
2002 158.211.000
2003 169.828.000 6.84%
2004 -151.813.000 211.87%
2005 345.953.000 143.88%
2006 2.146.000.000 83.88%
2007 1.484.000.000 -44.61%
2008 2.523.000.000 41.18%
2009 -966.000.000 361.18%
2010 1.054.000.000 191.65%
2011 2.587.000.000 59.26%
2012 -473.000.000 646.93%
2013 1.485.000.000 131.85%
2014 1.467.000.000 -1.23%
2015 3.879.000.000 62.18%
2016 1.250.000.000 -210.32%
2017 1.730.000.000 27.75%
2018 4.895.000.000 64.66%
2019 2.230.000.000 -119.51%
2020 6.890.000.000 67.63%
2021 4.528.000.000 -52.16%
2022 7.649.000.000 40.8%
2023 2.300.000.000 -232.57%
2023 1.541.000.000 -49.25%
2024 -744.000.000 307.12%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Avanza Bank Holding AB (publ) Capital Expenditure
Year Capital Expenditure Growth
2002 1.300.000
2003 6.640.000 80.42%
2004 5.669.000 -17.13%
2005 4.937.000 -14.83%
2006 14.000.000 64.74%
2007 10.000.000 -40%
2008 10.000.000 0%
2009 4.000.000 -150%
2010 13.000.000 69.23%
2011 21.000.000 38.1%
2012 3.000.000 -600%
2013 4.000.000 25%
2014 11.000.000 63.64%
2015 28.000.000 60.71%
2016 30.000.000 6.67%
2017 50.000.000 40%
2018 25.000.000 -100%
2019 10.000.000 -150%
2020 63.000.000 84.13%
2021 56.000.000 -12.5%
2022 44.000.000 -27.27%
2023 8.000.000 -450%
2023 24.000.000 66.67%
2024 30.000.000 20%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Avanza Bank Holding AB (publ) Equity
Year Equity Growth
2002 192.040.000
2003 228.359.000 15.9%
2004 267.031.000 14.48%
2005 353.761.000 24.52%
2006 489.000.000 27.66%
2007 573.000.000 14.66%
2008 628.000.000 8.76%
2009 693.000.000 9.38%
2010 813.000.000 14.76%
2011 875.000.000 7.09%
2012 828.000.000 -5.68%
2013 794.000.000 -4.28%
2014 815.000.000 2.58%
2015 1.126.000.000 27.62%
2016 1.308.000.000 13.91%
2017 1.427.000.000 8.34%
2018 -1.157.000.000 223.34%
2019 791.000.000 246.27%
2020 1.915.000.000 58.69%
2021 1.884.000.000 -1.65%
2022 119.000.000 -1483.19%
2023 5.293.000.000 97.75%
2023 -2.706.000.000 295.6%
2024 5.128.000.000 152.77%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Avanza Bank Holding AB (publ) Assets
Year Assets Growth
2002 904.261.000
2003 1.376.594.000 34.31%
2004 1.698.728.000 18.96%
2005 4.504.734.000 62.29%
2006 8.721.000.000 48.35%
2007 14.449.000.000 39.64%
2008 15.597.000.000 7.36%
2009 27.795.000.000 43.89%
2010 40.243.000.000 30.93%
2011 39.581.000.000 -1.67%
2012 45.206.000.000 12.44%
2013 56.635.000.000 20.18%
2014 67.296.000.000 15.84%
2015 88.621.000.000 24.06%
2016 100.616.000.000 11.92%
2017 116.120.000.000 13.35%
2018 122.138.000.000 4.93%
2019 155.942.000.000 21.68%
2020 204.775.000.000 23.85%
2021 279.082.000.000 26.63%
2022 241.091.000.000 -15.76%
2023 266.513.000.000 9.54%
2023 282.453.000.000 5.64%
2024 319.480.000.000 11.59%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Avanza Bank Holding AB (publ) Liabilities
Year Liabilities Growth
2002 712.221.000
2003 1.148.235.000 37.97%
2004 1.431.697.000 19.8%
2005 4.150.973.000 65.51%
2006 8.232.000.000 49.58%
2007 13.876.000.000 40.67%
2008 14.969.000.000 7.3%
2009 27.102.000.000 44.77%
2010 39.430.000.000 31.27%
2011 38.706.000.000 -1.87%
2012 44.378.000.000 12.78%
2013 55.841.000.000 20.53%
2014 66.481.000.000 16%
2015 87.495.000.000 24.02%
2016 99.308.000.000 11.9%
2017 114.693.000.000 13.41%
2018 120.488.000.000 4.81%
2019 153.997.000.000 21.76%
2020 201.603.000.000 23.61%
2021 274.381.000.000 26.52%
2022 236.140.000.000 -16.19%
2023 63.000.000 -374725.4%
2023 276.621.000.000 99.98%
2024 209.000.000 -132254.55%

Avanza Bank Holding AB (publ) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
28.51
Net Income per Share
13.13
Price to Earning Ratio
18.2x
Price To Sales Ratio
8.36x
POCF Ratio
-9.62
PFCF Ratio
-9.48
Price to Book Ratio
7.35
EV to Sales
6.21
EV Over EBITDA
14.85
EV to Operating CashFlow
-7.12
EV to FreeCashFlow
-7.04
Earnings Yield
0.05
FreeCashFlow Yield
-0.11
Market Cap
37,58 Bil.
Enterprise Value
27,91 Bil.
Graham Number
98.04
Graham NetNet
60.53

Income Statement Metrics

Net Income per Share
13.13
Income Quality
-1.82
ROE
0.37
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.86
EBT Per Ebit
1
Ebit per Revenue
0.53
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.63
Operating Profit Margin
0.53
Pretax Profit Margin
0.53
Net Profit Margin
0.46

Dividends

Dividend Yield
0.05
Dividend Yield %
4.81
Payout Ratio
0.87
Dividend Per Share
11.5

Operating Metrics

Operating Cashflow per Share
-24.85
Free CashFlow per Share
-25.14
Capex to Operating CashFlow
-0.01
Capex to Revenue
0.01
Capex to Depreciation
0.51
Return on Invested Capital
0.4
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.29

Balance Sheet

Cash per Share
61,86
Book Value per Share
2.025,41
Tangible Book Value per Share
2024.93
Shareholders Equity per Share
32.53
Interest Debt per Share
5.75
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
-5.15
Current Ratio
46.66
Tangible Asset Value
319,20 Bil.
Net Current Asset Value
9,54 Bil.
Invested Capital
9776000000
Working Capital
9,54 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Avanza Bank Holding AB (publ) Dividends
Year Dividends Growth
2000 7
2004 1 -500%
2005 2 0%
2006 2 50%
2007 4 50%
2008 6 33.33%
2009 6 0%
2010 8 25%
2011 10 11.11%
2012 10 10%
2013 8 -25%
2014 8 0%
2015 7 -14.29%
2016 11 30%
2017 11 0%
2018 11 0%
2019 11 0%
2020 2 -400%
2021 4 33.33%
2022 9 66.67%
2023 8 -28.57%
2024 12 36.36%

Avanza Bank Holding AB (publ) Profile

About Avanza Bank Holding AB (publ)

Avanza Bank Holding AB (publ) provides online stock trading services in Sweden. The company offers share and fund, investment savings, endowment insurance, endowment child insurance, external deposit, and pension insurance savings accounts, as well as occupational pensions and individual pension plans. It also trades in equities, funds, and other securities; and provides external and green mortgages, private banking mortgages, and margin loans and lending products. In addition, the company offers decision support services; and publishes topical news and independent advice on the financial website, Placera, as well as on the weekly financial magazine, Börsveckan. It primarily serves individual investors; and professional investors and corporate customers, such as entrepreneurs and asset managers. The company was founded in 1999 and is headquartered in Stockholm, Sweden.

CEO
Mr. Gustaf Unger
Employee
677
Address
Regeringsgatan 103
Stockholm, 111 93

Avanza Bank Holding AB (publ) Executives & BODs

Avanza Bank Holding AB (publ) Executives & BODs
# Name Age
1 Mr. Gustaf Unger
Chief Executive Officer
70
2 Ms. Sofia Svavar
Chief Communications & IR Officer, Group Head of CSR and Head of Investor Relations
70
3 Mr. Jesper Bonnivier
Chief Executive Officer of Avanza Fonder AB
70
4 Mr. Erik Gjotterberg
Chief Business Development Officer
70
5 Ms. Teresa Schechter
Chief Legal Officer
70
6 Karin Age
Chief Human Resource Officer
70
7 Ms. Åsa Mindus Söderlund
Chief Executive Officer of Försäkringsaktiebolaget Avanza Pension
70
8 Ms. Anna Casselblad
Chief Financial Officer
70

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