Avarda Bank AB (publ) (STO:AVARDA)
Sweden · Delayed Price · Currency is SEK 183.40
-4.80 (-2.55%)
At close: Jul 23, 2026
Avarda Bank AB Financials Overview
Financials in millions SEK. Fiscal year is January - December.
Millions SEK. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 3,269 | 2,905 | 2,439 | 1,998 | 1,412 | 1,055 |
Revenue Growth | 23.79% | 19.11% | 22.04% | 41.48% | 33.83% | 20.46% |
Gross Profit Gross Profit Growth | 3,269 | 2,905 | 2,439 | 1,998 | 1,412 | 1,055 |
Operating Income Operating Income Growth | 973.44 | 855.81 | 684.91 | 509.6 | 435.73 | 352.56 |
Net Income Net Income Growth | 754.15 | 641.21 | 603.22 | 376.85 | 328.1 | 269.88 |
Earnings Per Share EPS Growth | 11.67 | 9.92 | 9.33 | 5.84 | 5.09 | 4.18 |
EPS Growth | 13.93% | 6.32% | 59.67% | 14.88% | 21.59% | 37.76% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Consumer Lending Consumer Lending Growth | 620.43 | 613.95 | 609.26 | 606.66 | 587.93 | 500.49 |
Ecommerce Solutions (Excl. Credit Cards) Ecommerce Solutions (Excl. Credit Cards) Growth | - | 389.55 | 393.34 | 319.72 | 244.72 | 215.16 |
Credit Cards Credit Cards Growth | - | 905.2 | 616.31 | 414.9 | 212.1 | 79.08 |
Total Total Growth | 2,120 | 1,909 | 1,619 | 1,341 | 1,045 | 794.72 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 4,030 | 2,507 | 1,811 | 3,655 | 1,895 | 1,587 |
Total Debt Total Debt Growth | 395.2 | 394.84 | 345.51 | 346.91 | 198.66 | 198.04 |
Net Cash (Debt) Net Cash Growth | 3,635 | 2,112 | 1,466 | 3,308 | 1,696 | 1,388 |
Net Cash Growth | 91.79% | 44.11% | -55.69% | 95.02% | 22.15% | 52.08% |
Net Cash Per Share Net Cash Per Share Growth | 56.23 | 32.68 | 22.68 | 51.28 | 26.30 | 21.53 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 2,211 | 803.94 | -1,549 | 2,201 | 1,060 | 225.23 |
Capital Expenditures CapEx Growth | -30.18 | -7.28 | -31 | -54.11 | -3.23 | -1.45 |
Free Cash Flow Free Cash Flow Growth | 2,181 | 796.66 | -1,580 | 2,147 | 1,057 | 223.78 |
Free Cash Flow Growth | - | - | - | 103.14% | 372.36% | -36.13% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Operating Margin | 29.78% | 29.46% | 28.09% | 25.50% | 30.85% | 33.41% |
Pretax Margin | 30.44% | 29.39% | 32.31% | 25.50% | 30.85% | 33.41% |
Profit Margin | 23.84% | 22.97% | 25.93% | 19.85% | 24.25% | 26.27% |
FCF Margin | 66.71% | 27.43% | -64.80% | 107.46% | 74.84% | 21.21% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 5.000 | 5.000 | - | - | - | 0.333 |
Dividend Per Share Growth | 0% | - | - | - | - | 0% |
Dividend Yield | 2.73% | 1.02% | 0.00% | 0.00% | 0.57% | 0.44% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 24, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 15.72 | 16.51 | 13.04 | 9.72 | 11.57 | 18.29 |
Forward PE | 12.54 | 13.53 | 11.62 | 7.92 | 10.12 | 14.19 |
P/FCF Ratio | - | 13.29 | - | 1.71 | 3.59 | 22.05 |
PS Ratio | 5.60 | 3.64 | 3.22 | 1.83 | 2.69 | 4.68 |