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Aktia Pankki Oyj (AKTIA.HE)
EUR11.10
-0.06 (-0.54%)
FI HEL Financial Services Banks - Regional
Address
Arkadiankatu 4-6 100
Helsinki, FI
Helsinki, FI
CEO
Anssi Huhta
Website
aktia.fi
IPO
2009-09-29
ISIN FI4000058870
Also trades on
London Stock Exchange · 0QF8.L (EUR)
NASDAQ Helsinki · AKTIA.HE (EUR)
Description
Operating within Finland, Aktia Pankki Oyj furnishes banking and financial services to a varied customer base, including private citizens, corporate entities, and institutions. The company's operations are segmented into three primary divisions: Banking Business, Asset Management, and Group Functions. Its extensive range of services includes standard banking, savings products, various financing instruments, and professional financial and investment guidance. Additionally, Aktia offers life, disability, and critical illness insurance policies, complementing its wealth management solutions. Aktia Pankki Oyj was established in 1825 and has its main offices located in Helsinki, Finland.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
EUR11.10
-0.06 (-0.54%)
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Volume Profile
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Liquidity & share structure
Average Volume
43.6K
Beta
0.34
Float Shares
38.48M
Free Float %
52.4%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.18% | +1.79% | -5.47% | -6.40% | +1.79% | -9.09% | +20.13% | +22.98% | +2.52% | +34.75% | +25.55% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
11.10
DCF (Unlevered)
270.29
+2,335.1%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | -1 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 1 | 0 |
Quality scores
Altman Z-Score
-0.30
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+16.5% Q1'26: -12.6% (vs Q1'25)
-
EPS growth-86.5% Q1'26: -36.7% (vs Q1'25)
-
FCF margin— Q1'26: +1.9% (vs Q1'25)
-
EBIT margin— Q1'26: +28.9% (vs Q1'25)
-
ROIC— Q1'26: +1.3% (vs Q1'25)
-
Share dilution+0.6% Q1'26: +0.5% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 48.16× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
247.02M
est: 209.75M (+17.8%)
|
222.96M
est: 208.00M (+7.2%)
|
211.82M
est: 210.00M (+0.9%)
|
202.86M
est: 210.10M (-3.4%)
|
215.69M
est: 219.00M (-1.5%)
|
203.42M
est: 199.53M (+2.0%)
|
260.76M
est: 266.29M (-2.1%)
|
323.26M
est: 250.42M (+29.1%)
|
507.60M
est: 294.87M (+72.1%)
|
581.58M
est: 304.35M (+91.1%)
|
677.80M
est: 293.68M (+130.8%)
|
287.01M
287.01M – 287.01M
-2.3% YoY
|
307.65M
307.65M – 307.65M
+7.2% YoY
|
317.49M
317.00M – 317.99M
+3.2% YoY
|
325.98M
325.98M – 325.98M
+2.7% YoY
|
| EBITDA |
72.34M
est: 68.92M (+5.0%)
|
69.65M
est: 68.35M (+1.9%)
|
59.12M
est: 69.00M (-14.3%)
|
80.97M
est: 69.04M (+17.3%)
|
87.46M
est: 71.96M (+21.5%)
|
67.40M
est: 65.56M (+2.8%)
|
101.25M
est: 87.50M (+15.7%)
|
142.38M
est: 82.29M (+73.0%)
|
123.07M
est: 86.87M (+41.7%)
|
139.85M
est: 89.66M (+56.0%)
|
109.40M
est: 86.52M (+26.4%)
|
84.56M
84.56M – 84.56M
-2.3% YoY
|
90.64M
90.64M – 90.64M
+7.2% YoY
|
93.53M
93.39M – 93.68M
+3.2% YoY
|
96.04M
96.04M – 96.04M
+2.7% YoY
|
| EBIT |
64.22M
est: 56.25M (+14.2%)
|
61.47M
est: 55.78M (+10.2%)
|
49.12M
est: 56.31M (-12.8%)
|
67.59M
est: 56.34M (+20.0%)
|
74.76M
est: 58.73M (+27.3%)
|
54.79M
est: 53.51M (+2.4%)
|
84.62M
est: 71.41M (+18.5%)
|
123.50M
est: 67.15M (+83.9%)
|
102.61M
est: 65.36M (+57.0%)
|
94.65M
est: 67.46M (+40.3%)
|
24.90M
est: 65.09M (-61.7%)
|
63.61M
63.61M – 63.61M
-2.3% YoY
|
68.19M
68.19M – 68.19M
+7.2% YoY
|
70.37M
70.26M – 70.48M
+3.2% YoY
|
72.25M
72.25M – 72.25M
+2.7% YoY
|
| Net Income |
52.00M
est: 56.47M (-7.9%)
|
49.31M
est: 55.62M (-11.3%)
|
39.34M
est: 47.20M (-16.7%)
|
56.01M
est: 57.36M (-2.4%)
|
61.83M
est: 54.56M (+13.3%)
|
42.62M
est: 44.74M (-4.7%)
|
67.36M
est: 70.07M (-3.9%)
|
98.33M
est: 55.53M (+77.1%)
|
81.34M
est: 98.80M (-17.7%)
|
75.90M
est: 96.87M (-21.6%)
|
10.30M
est: 84.47M (-87.8%)
|
79.39M
79.39M – 79.39M
-6.0% YoY
|
87.16M
87.16M – 87.16M
+9.8% YoY
|
90.38M
90.38M – 90.38M
+3.7% YoY
|
91.27M
91.27M – 91.27M
+1.0% YoY
|
| SGA |
5.42M
est: 2.23M (+142.9%)
|
5.89M
est: 2.21M (+166.3%)
|
4.76M
est: 2.23M (+113.0%)
|
3.22M
est: 2.23M (+44.0%)
|
3.48M
est: 2.33M (+49.2%)
|
3.07M
est: 2.12M (+44.7%)
|
3.30M
est: 2.83M (+16.4%)
|
4.06M
est: 2.66M (+52.3%)
|
3.77M
est: 2.56M (+47.2%)
|
3.18M
est: 2.64M (+20.5%)
|
3.59M
est: 2.55M (+41.0%)
|
2.49M
2.49M – 2.49M
-2.3% YoY
|
2.67M
2.67M – 2.67M
+7.2% YoY
|
2.76M
2.75M – 2.76M
+3.2% YoY
|
2.83M
2.83M – 2.83M
+2.7% YoY
|
| EPS |
0.78
est: 0.78 (+0.5%)
|
0.74
est: 0.76 (-3.2%)
|
0.57
est: 0.65 (-12.2%)
|
0.81
est: 0.79 (+2.7%)
|
0.90
est: 0.75 (+20.0%)
|
0.61
est: 0.62 (-0.8%)
|
0.95
est: 0.96 (-1.4%)
|
0.72
est: 0.76 (-5.7%)
|
1.16
est: 1.35 (-14.1%)
|
1.04
est: 1.32 (-21.4%)
|
0.14
est: 1.15 (-87.9%)
|
1.08
1.08 – 1.08
-6.0% YoY
|
1.19
1.19 – 1.19
+9.8% YoY
|
1.23
1.23 – 1.23
+3.7% YoY
|
1.25
1.25 – 1.25
+1.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 2/5 | 5/5 | 2/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-08 | C+ | 2/5 | 5/5 | 1/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-07 | C+ | 2/5 | 5/5 | 1/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-06 | C+ | 2/5 | 5/5 | 1/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-05 | C+ | 2/5 | 5/5 | 1/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-05-04 | C+ | 2/5 | 5/5 | 1/5 | 2/5 | 1/5 | 1/5 | 3/5 |
| 2026-04-30 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-29 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-28 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-27 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-24 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-23 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-22 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-21 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-20 | B- | 2/5 | 5/5 | 2/5 | 3/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-17 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-16 | B- | 3/5 | 5/5 | 2/5 | 4/5 | 1/5 | 1/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
8.60M
OE per share TTM
0.12
Owner's Yield
1.03%
Maintenance CapEx ratio
34.42%
Maint CapEx / Avg PPE
6.8%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 9 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Dimensional - International Small Cap Value ETF DISV | 0.04% | 1.83M | 0.42% |
| 2 | FlexShares Morningstar Developed Markets ex-US Factor Tilt Index Fund TLTD | 0.03% | 227.0K | 0.41% |
| 3 | Dimensional - International Vector Equity ETF DXIV | 0.01% | 18.5K | 0.53% |
| 4 | Dimensional - International Small Cap ETF DFIS | 0.01% | 471.9K | 0.39% |
| 5 | Dimensional International Sustainability Core 1 ETF DFSI | 0.00% | 44.6K | 0.24% |
| 6 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 345.8K | 0.28% |
| 7 | Dimensional - International Core Equity 2 ETF DFIC | 0.00% | 386.4K | 0.22% |
| 8 | Dimensional - International Core Equity Market ETF DFAI | 0.00% | 170.6K | 0.18% |
| 9 | Avantis International Equity ETF AVDE | 0.00% | 105.9K | 0.23% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
29.4K
Shares Outstanding
73.46M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Anssi Huhta | President & Chief Executive Officer | 695.0K | male |
| Ari Syrjalainen | General Counsel | — | — |
| Karri Varis | Executive VP and Head of Asset & Liability Management | — | male |
| Lasse Corin | Chief Economist | — | male |
| Oscar Taimitarha | Director of Investor Relations | — | — |
| Oskari Kurki | Executive Vice President & Chief Information Officer | — | male |
| Pasi Vuorinen CEFA | EVP of Asset Management & Head of Customers | — | male |
| Sakari Jarvela | Executive Vice President & Chief Financial Officer | — | male |
| Samu Lang | Chief Investment Officer | — | male |
| Sini Kivekas | Executive Vice President of Group Functions & Corporate Services | — | female |
| Timo Ruotsalainen | Head of Treasury | — | male |
| Anne-Mari Smolander | Communications Manager | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for AKTIA.HE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
