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Avanza Bank Holding AB (publ) (AZA.ST)

SEK388.00 -6.00 (-1.52%)
SE STO Financial Services Banks - Regional
Address Regeringsgatan 103 111 93
Stockholm, SE
CEO Gustaf Unger
Website avanza.se
IPO 2000-01-03
ISIN SE0012454072

Explore sections of this company profile

Description

Avanza Bank Holding AB (publ), a Swedish company, specializes in providing online securities trading services. Its extensive product range encompasses various savings accounts, including share and fund accounts, investment savings, external deposits, and pension insurance savings. The company also offers endowment insurance for both adults and children, alongside individual and occupational pension plans. Clients can actively trade equities, funds, and other financial instruments through its platform. Additionally, Avanza provides a suite of lending solutions, such as traditional and green mortgages, private banking mortgages, and margin loans. To assist customers, it offers decision support tools and publishes financial news and independent advice via its Placera website and the weekly Börsveckan magazine. Avanza caters to a wide array of clients, from individual retail investors to professional investors and corporate customers, including entrepreneurs and asset managers. The company was established in 1999 and is headquartered in Stockholm, Sweden.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
SEK388.00 -6.00 (-1.52%)
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Volume Profile
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Liquidity & share structure
Average Volume
379.0K
Beta
0.67
Float Shares
114.77M
Free Float %
72.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.88% -0.46% +4.53% +4.72% -6.63% -1.40% +1.32% +49.78% +22.84% +413.80% +8,387.75%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
388.00
DCF (Unlevered) 569.85 +46.9%
DCF (Levered) 1,059.99 +173.2%

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) 40% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 5 0
Hold 7 0
Sell 0 0
Strong Sell 2 +1
Quality scores
Altman Z-Score
0.14
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
  • ✓
    Revenue growth
    +12.9% Q1'26: +38.9% (vs Q1'25)
  • ✓
    EPS growth
    +15.4% Q1'26: +4.9% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: +885.5% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +54.4% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +53.5% (vs Q1'25)
  • ✗
    Share dilution
    +0.3% Q1'26: +0.2% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 0.46× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.64) × ERP
WACC = 99% × Ke + 1% × Kd (103.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 569.85 Current price: 388.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

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
11 Rev. Ana.
12 EPS Ana. 		Dec 2027
12 Rev. Ana.
12 EPS Ana. 		Dec 2028
11 Rev. Ana.
9 EPS Ana. 		Dec 2029
5 Rev. Ana.
3 EPS Ana. 		Dec 2030
5 Rev. Ana.
3 EPS Ana.
Revenue
960.00M
est: 927.75M (+3.5%)
1.02B
est: 921.58M (+10.1%)
1.09B
est: 964.98M (+12.5%)
1.17B
est: 1.05B (+11.4%)
1.28B
est: 1.18B (+8.1%)
2.43B
est: 2.35B (+3.5%)
3.41B
est: 3.26B (+4.5%)
3.12B
est: 2.95B (+5.8%)
4.40B
est: 3.96B (+11.2%)
5.08B
est: 3.84B (+32.2%)
5.74B
est: 4.50B (+27.4%)
5.00B
4.85B – 5.14B
+11.1% YoY
5.46B
5.13B – 6.22B
+9.2% YoY
5.96B
5.95B – 5.96B
+9.1% YoY
6.10B
5.82B – 6.62B
+2.3% YoY
6.59B
6.29B – 7.15B
+8.1% YoY
EBITDA
493.00M
est: 582.85M (-15.4%)
473.00M
est: 578.97M (-18.3%)
453.00M
est: 606.24M (-25.3%)
438.00M
est: 660.58M (-33.7%)
583.00M
est: 744.11M (-21.7%)
1.66B
est: 1.48B (+12.5%)
2.51B
est: 2.05B (+22.3%)
2.02B
est: 1.85B (+9.1%)
2.38B
est: 2.38B (-0.2%)
2.71B
est: 2.31B (+17.2%)
3.17B
est: 2.71B (+17.1%)
3.01B
2.92B – 3.10B
+11.1% YoY
3.29B
3.09B – 3.75B
+9.2% YoY
3.59B
3.59B – 3.59B
+9.1% YoY
3.67B
3.50B – 3.99B
+2.3% YoY
3.97B
3.79B – 4.31B
+8.1% YoY
EBIT
485.00M
est: 560.74M (-13.5%)
465.00M
est: 557.01M (-16.5%)
441.00M
est: 583.24M (-24.4%)
418.00M
est: 635.52M (-34.2%)
520.00M
est: 715.88M (-27.4%)
1.58B
est: 1.42B (+11.0%)
2.44B
est: 1.97B (+23.6%)
1.94B
est: 1.78B (+8.9%)
2.29B
est: 2.30B (-0.5%)
2.62B
est: 2.24B (+17.2%)
3.08B
est: 2.62B (+17.5%)
2.91B
2.82B – 2.99B
+11.1% YoY
3.18B
2.99B – 3.62B
+9.2% YoY
3.47B
3.46B – 3.47B
+9.1% YoY
3.55B
3.39B – 3.85B
+2.3% YoY
3.84B
3.66B – 4.16B
+8.1% YoY
Net Income
415.00M
est: 442.49M (-6.2%)
399.00M
est: 419.26M (-4.8%)
379.00M
est: 381.54M (-0.7%)
349.00M
est: 402.08M (-13.2%)
447.00M
est: 461.04M (-3.0%)
1.34B
est: 1.29B (+3.7%)
2.05B
est: 2.04B (+0.2%)
1.67B
est: 1.62B (+2.7%)
1.98B
est: 2.07B (-4.3%)
2.25B
est: 2.29B (-1.4%)
2.63B
est: 2.65B (-0.5%)
2.88B
2.74B – 3.03B
+9.1% YoY
3.06B
2.84B – 3.31B
+5.9% YoY
3.33B
3.04B – 4.16B
+8.9% YoY
3.39B
3.19B – 3.77B
+1.7% YoY
3.75B
3.53B – 4.17B
+10.8% YoY
SGA
133.00M
est: 70.81M (+87.8%)
139.00M
est: 70.34M (+97.6%)
168.00M
est: 73.65M (+128.1%)
190.00M
est: 80.25M (+136.8%)
173.00M
est: 90.40M (+91.4%)
194.00M
est: 179.24M (+8.2%)
211.00M
est: 249.03M (-15.3%)
292.00M
est: 225.00M (+29.8%)
332.00M
est: 408.77M (-18.8%)
360.00M
est: 396.76M (-9.3%)
1.23B
est: 464.69M (+164.7%)
516.28M
500.53M – 530.63M
+11.1% YoY
563.68M
529.86M – 642.26M
+9.2% YoY
615.23M
614.66M – 615.79M
+9.1% YoY
629.63M
600.75M – 683.70M
+2.3% YoY
680.33M
649.13M – 738.75M
+8.1% YoY
EPS
2.85
est: 2.81 (+1.4%)
2.69
est: 2.66 (+1.0%)
2.53
est: 2.42 (+4.4%)
2.55
est: 2.55 (-0.2%)
2.94
est: 2.93 (+0.4%)
8.66
est: 8.18 (+5.9%)
13.19
est: 12.98 (+1.6%)
10.69
est: 10.30 (+3.8%)
12.64
est: 13.18 (-4.1%)
14.34
est: 14.12 (+1.6%)
16.57
est: 16.67 (-0.6%)
18.13
17.39 – 19.17
+8.8% YoY
19.52
18.03 – 20.95
+7.7% YoY
21.28
19.29 – 26.35
+9.0% YoY
21.46
20.18 – 23.86
+0.9% YoY
23.78
22.36 – 26.43
+10.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-28 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-27 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-26 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-25 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-22 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-21 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-20 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-19 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-18 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-15 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-13 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-12 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-11 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-08 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-07 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-06 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-05 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-05-04 B+ 3/5 5/5 5/5 3/5 3/5 1/5 1/5
2026-04-30 B 3/5 5/5 5/5 3/5 2/5 1/5 1/5
2026-04-29 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-28 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-27 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-24 B+ 3/5 5/5 5/5 3/5 2/5 2/5 1/5
2026-04-23 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-22 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-21 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-20 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-17 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5
2026-04-16 B+ 3/5 5/5 5/5 4/5 2/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
39.10B
OE per share TTM
247.30
Owner's Yield
71.54%
Maintenance CapEx ratio
2.37%
Maint CapEx / Avg PPE
6.4%

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 104 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares International Developed Small Cap Value Factor ETF ISVL 0.73% 2.29M 0.31%
2 iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE 0.67% 4.55M 0.20%
3 RockCreek Global Equality ETF RCGE 0.47% 448.7K 0.95%
4 Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE 0.38% 1.30M 0.23%
5 Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA 0.38% 1.30M 0.23%
6 Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L 0.31% 10.60M 0.30%
7 iShares MSCI Europe Small-Cap ETF IEUS 0.30% 527.0K 0.41%
8 Invesco STOXX Europe 600 Optimised Banks UCITS ETF X7PP.L 0.23% 1.52M 0.20%
9 iShares STOXX Europe 600 Banks UCITS ETF (DE) EXV1.DE 0.21% 8.39M 0.46%
10 Schwab International Small-Cap Equity ETF SCHC 0.21% 11.01M 0.06%

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
4.53M
Shares Outstanding
157.83M

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

NameTitleCompensationGender
Erik Gjotterberg Chief Business Development Officer — male
Fredrik Broman Chief Technology Officer — male
Gustaf Unger Chief Executive Officer — male
Jacob Smith Head of Private & Investment Banking — —
Jesper Bonnivier Chief Operations Officer — male
Jonas Svarling Chief Financial Officer — male
Karolina Johansson Head of Investor Relations — female
Olov Eriksson Chief Product Officer — male
Teresa Schechter Chief Legal Officer — female
Åsa Dammert Chief Human Resources Officer — female
Åsa Mindus Söderlund Chief Executive Officer of Försäkringsaktiebolaget Avanza Pension — female
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

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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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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