Avarda Bank AB (publ) (STO:AVARDA)
Sweden · Delayed Price · Currency is SEK 208.50
-1.50 (-0.71%)
At close: Sep 2, 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 | 2,118 | 1,906 | 1,794 | 1,341 | 1,045 | 794.72 |
Revenue Growth | 10.28% | 6.27% | 33.75% | 28.38% | 31.46% | 31.71% |
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 | 14.09% | 6.32% | 59.69% | 14.86% | 21.59% | 37.83% |
| 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 | 5,792 | 4,756 | 4,319 | 5,747 | 3,540 | 2,366 |
Total Debt Total Debt Growth | 395.2 | 512.66 | 434.82 | 629.06 | 247.4 | 221.49 |
Net Cash (Debt) Net Cash Growth | 5,397 | 4,243 | 3,884 | 5,118 | 3,292 | 2,145 |
Net Cash Growth | 53.14% | 9.24% | -24.09% | 55.44% | 53.50% | 12.81% |
Net Cash Per Share Net Cash Per Share Growth | 83.50 | 65.65 | 60.10 | 79.34 | 51.04 | 33.25 |
| 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 | -3,702 | -2,619 | -2,095 | -2,344 | -3,543 | -2,565 |
Capital Expenditures CapEx Growth | -30.18 | -7.28 | -31 | -54.11 | -3.23 | -1.45 |
Free Cash Flow Free Cash Flow Growth | -3,732 | -2,626 | -2,126 | -2,398 | -3,546 | -2,567 |
Free Cash Flow Growth | - | - | - | - | - | - |
| 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 |
Profit Margin | 35.61% | 33.63% | 33.62% | 28.10% | 31.40% | 33.96% |
FCF Margin | -176.22% | -137.74% | -118.49% | -178.76% | -339.44% | -323.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 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 | 2.38% | 3.15% | - | - | - | 0.46% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 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 | 18.00 | 16.51 | 13.01 | 9.72 | 11.57 | 18.28 |
Forward PE | 14.36 | 13.53 | 11.62 | 7.92 | 10.12 | 14.19 |
PS Ratio | 6.41 | 5.55 | 4.37 | 2.73 | 3.63 | 6.21 |