Avarda Bank AB (publ) (STO:TFBANK)

Sweden · Delayed Price · Currency is SEK

208.50

-1.50 (-0.71%)

Sep 2, 2026, 5:29 PM CET

Avarda Bank AB Financials Overview

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Revenue & Profits

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	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	754.15	641.21	603.22	376.85	328.1	269.88
Earnings Per Share	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%

Revenue by Segment

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	620.43	613.95	609.26	606.66	587.93	500.49
Ecommerce Solutions (Excl. Credit Cards)	-	389.55	393.34	319.72	244.72	215.16
Credit Cards	-	905.2	616.31	414.9	212.1	79.08
Total	2,120	1,909	1,619	1,341	1,045	794.72

Cash & Debt

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	5,792	4,756	4,319	5,747	3,540	2,366
Total Debt	395.2	512.66	434.82	629.06	247.4	221.49
Net Cash (Debt)	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	83.50	65.65	60.10	79.34	51.04	33.25

Cash Flow & CapEx

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	-3,702	-2,619	-2,095	-2,344	-3,543	-2,565
Capital Expenditures	-30.18	-7.28	-31	-54.11	-3.23	-1.45
Free Cash Flow	-3,732	-2,626	-2,126	-2,398	-3,546	-2,567
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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%

Dividends

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	5.000	5.000	-	-	-	0.333
Dividend Per Share Growth	0%	-	-	-	-	0%