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Arion banki hf. (ARION-SDB.ST)
Reykjavík, IS
Arion banki hf. is an Icelandic financial institution providing a broad spectrum of services to individual consumers, businesses, various organizations, and investors, both within Iceland and globally. The bank organizes its operations across three main divisions: 1. Retail Banking: This segment caters to individual customers, offering essential financial products such as deposit and loan facilities, savings plans, payment solutions via cards, retirement savings, insurance policies, access to securities, and managed investment funds. 2. Corporate & Investment Banking: Focused on small and medium-sized enterprises (SMEs), large corporations, and investors, this division delivers a suite of credit options including guarantees, transactional accounts, advanced payment systems, and value-added digital solutions. It also facilitates international transactions and provides comprehensive financial advisory services, such as guidance on mergers and acquisitions (M&A), private equity placements, initial public offerings (IPOs), and other capital market offerings. 3. Markets & Stefnir: This segment is responsible for managing financial assets on behalf of clients, overseeing a diverse range of mutual funds, specialized investment funds, and institutional investor portfolios. It also administers pension funds and offers various services within the capital markets. Additionally, it provides expertise in liquidity, foreign exchange, and interest rate management, handles the bank's debt issuance in both domestic and international markets while maintaining its creditworthiness, offers both general and life insurance coverage, and engages in real estate investments. Arion banki hf. was founded in 2008 and its corporate headquarters are situated in Reykjavík, Iceland.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.23% | -0.54% | +9.47% | +1.37% | +12.12% | -1.33% | +25.96% | +45.67% | +73.10% | +117.01% | +117.01% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
-
Revenue growth+25.3% Q1'26: +24.3% (vs Q1'25)
-
EPS growth+25.7% Q1'26: +13.4% (vs Q1'25)
-
FCF margin— Q1'26: -67.6% (vs Q1'25)
-
EBIT margin— Q1'26: +22.0% (vs Q1'25)
-
ROIC— Q1'26: +4.3% (vs Q1'25)
-
Share dilution-1.1% Q1'26: -2.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 13.16× (vs Q1'25)
* 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.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
|---|---|---|---|---|---|---|---|---|
| Revenue |
76.14B
est: 49.95B (+52.4%)
|
75.64B
est: 49.40B (+53.1%)
|
72.03B
est: 47.47B (+51.7%)
|
80.10B
est: 51.82B (+54.6%)
|
98.33B
est: 53.91B (+82.4%)
|
142.77B
est: 73.75B (+93.6%)
|
152.57B
est: 68.39B (+123.1%)
|
191.15B
est: 76.65B (+149.4%)
|
| EBITDA |
14.30B
est: 15.64B (-8.6%)
|
19.32B
est: 15.47B (+24.9%)
|
21.57B
est: 14.87B (+45.1%)
|
35.93B
est: 16.23B (+121.4%)
|
31.08B
est: 16.88B (+84.1%)
|
37.22B
est: 23.10B (+61.2%)
|
36.77B
est: 20.72B (+77.4%)
|
47.54B
est: 23.22B (+104.7%)
|
| EBIT |
12.98B
est: 14.76B (-12.1%)
|
17.77B
est: 14.60B (+21.7%)
|
19.98B
est: 14.03B (+42.4%)
|
34.00B
est: 15.31B (+122.0%)
|
29.36B
est: 15.93B (+84.2%)
|
35.34B
est: 21.80B (+62.1%)
|
35.07B
est: 19.77B (+77.3%)
|
46.86B
est: 22.16B (+111.5%)
|
| Net Income |
7.12B
est: 6.02B (+18.3%)
|
1.10B
est: 7.35B (-85.1%)
|
12.48B
est: 8.18B (+52.6%)
|
28.61B
est: 22.11B (+29.4%)
|
25.95B
est: 17.20B (+50.9%)
|
25.76B
est: 31.08B (-17.1%)
|
26.11B
est: 29.22B (-10.6%)
|
31.88B
est: 33.69B (-5.4%)
|
| SGA |
4.51B
est: 2.05B (+120.0%)
|
4.33B
est: 2.03B (+113.5%)
|
3.57B
est: 1.95B (+82.8%)
|
3.35B
est: 2.13B (+57.4%)
|
4.17B
est: 2.21B (+88.1%)
|
4.85B
est: 3.03B (+60.2%)
|
5.75B
est: 3.56B (+61.4%)
|
20.01B
est: 3.99B (+400.9%)
|
| EPS |
3.87
est: 4.25 (-8.8%)
|
7.77
est: 5.19 (+49.7%)
|
9.72
est: 5.77 (+68.5%)
|
17.96
est: 15.60 (+15.1%)
|
11.98
est: 12.14 (-1.3%)
|
16.89
est: 21.94 (-23.0%)
|
18.31
est: 20.86 (-12.2%)
|
23.00
est: 24.05 (-4.4%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard Emerging Markets Ex-China ETF VEXC | 0.03% | 64.1K | 0.07% |
| 2 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.02% | 587.0K | 0.26% |
| 3 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.02% | 260.3K | 0.48% |
| 4 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Distributing VDEM.L | 0.02% | 1.06M | 0.17% |
| 5 | Vanguard FTSE Emerging Markets UCITS ETF (USD) Accumulating VFEA.L | 0.02% | 1.06M | 0.17% |
| 6 | Vanguard FTSE Emerging Markets ETF VWO | 0.02% | 28.97M | 0.06% |
| 7 | Vanguard International High Dividend Yield ETF VYMI | 0.01% | 2.27M | 0.07% |
| 8 | Vanguard ESG International Stock ETF VSGX | 0.01% | 481.9K | 0.10% |
| 9 | Vanguard All-World ex-US Shares Index ETF VEU.AX | 0.01% | 229.1K | 0.04% |
| 10 | Vanguard FTSE All-World ex-US ETF VEU | 0.01% | 4.93M | 0.04% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Benedikt Gislason | Chief Executive Officer | 94M | male |
| Ida Bra Benediktsdottir | Deputy Chief Executive Officer & MD of Retail Banking | 46M | female |
| Stefan Petursson | Advisor | 44M | male |
| Hakon Hrafn Grondal | Managing Director of Corporate & Investment Banking | — | male |
| Haraldur Gudni Eidsson | Head of Corporation Communications | — | male |
| Olafur Hrafn Hoskuldsson | Chief Financial Officer | — | male |
| Andres Fjeldsted | Chief Compliance Officer | — | male |
| Theodor Fridbertsson | Head of Investor Relations | — | — |
| Birna Hlín Káradóttir | Chief Operating Officer | — | female |
| Bjorn Bjornsson | Managing Director of Information Technology & Chief Information Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ARION-SDB.ST
Short-term intention
Target Price Distribution
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