AVARDA Avarda Bank AB (publ)

198.40SEK+0.30%Mkt Cap: 1.22B $P/E: 16.96

Avarda Bank AB (publ), a digital credit and payment platform, provides consumer banking services and e-commerce solutions in Sweden. The company operates through three segments: Consumer Lending, Ecommerce Solutions, and…

Key Statistics

Company
Market Cap1.22B USD
Enterprise Value706.92M USD
Revenue (TTM)202.56M USD
Gross Profit202.56M USD
Net Income (TTM)63.80M USD
Revenue/Share32.76 SEK
Last Price198.40 SEK
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees511
CountrySE
SectorFinancial Services
IndustryBanks - Diversified
ISINSE0025666969
Valuation
P/E (Trailing)16.96
P/E (Forward)12.33
PEG—
EV/EBITDA—
EV/Revenue3.49
P/S6.04
P/B4.11
EPS (TTM)11.67
EPS (Forward)—
52W Range
147.9872% of range218.00
52W High218.00 SEK
52W Low147.98 SEK
Profitability
Gross Margin0.00%
Oper. Margin45.20%
EBITDA Margin0.00%
Profit Margin23.25%
ROE20.29%
ROA2.29%
Growth
Revenue Growth24.50%
Earnings Growth32.60%
Cash Flow & Leverage
Operating CF76.90M USD
CapEx (TTM)4.00M USD
FCF Margin—
FCF Yield—
Net Debt-516.25M USD
Net Debt/EBITDA—
Balance Sheet
Debt/Equity0.18
Current Ratio—
Quick Ratio—
Book Value/Sh48.16 SEK
Cash/Share89.60 SEK
Dividends
Fwd Div Rate5.00 SEK
Trail. Div Rate5.00 SEK
Div. Yield2.53%
5Y Avg Yield0.89%
Payout Ratio42.84%
Ex-Div DateMay 6, 2026
Pay Date—
Splits
Last Split3:1
Split DateJul 18, 2025
Analyst Consensus
Rating1.0 (Strong Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)230.67 SEK
Upside (mean)+16.3%
Target Range218.00 SEK – 245.00 SEK
218.00+16.3% to mean245.00
# Analysts3
Ownership
Shares Out.64.65M
Float22.68M
Insiders63.96%
Institutions18.84%
Technical
SMA 50202.00 (-1.8%)
SMA 200177.63 (+11.7%)
Beta0.53
S&P 52W Chg14.58%
Avg Vol (30d)50.84K
Avg Vol (10d)55.10K
Technical Indicators
RSI (14)42.8
MACD-0.9174
MACD Signal0.6952
MACD Hist.-1.6126
BB Upper217.80 SEK
BB Middle206.84 SEK
BB Lower195.87 SEK
BB Width10.60%
ATR (14)6.612 SEK
Vol Ratio (20d)1.31x