-1.44%
1.69%
3.67%
2.13%
2.02%
-18.42%
-0.72%
AI Spotlight on AKTIA
Company Description
Aktia Pankki Oyj provides banking and financing solutions to individuals, corporates, and institutions in Finland.It operates through three segments: Banking Business, Asset Management, and Group Functions.The company offers banking, savings, financing, financial advisory, and investment advice services.
It also provides life insurance, disability, and severe illness insurance products, as well as asset management services.Aktia Pankki Oyj was founded in 1825 and is headquartered in Helsinki, Finland.
Market Data
| Last Price | 9.61 |
| Change Percentage | -1.44% |
| Open | 9.67 |
| Previous Close | 9.75 |
| Market Cap ( Millions) | 701 |
| Volume | 90768 |
| Year High | 10.28 |
| Year Low | 8.85 |
| M A 50 | 9.35 |
| M A 200 | 9.31 |
Financial Ratios
| FCF Yield | -3.75% |
| Dividend Yield | 7.28% |
| ROE | 14.18% |
| Debt / Equity | 661.87% |
| Net Debt / EBIDTA | 6583.74% |
| Price To Book | 1.03 |
| Price Earnings Ratio | 7.25 |
| Price To FCF | -26.64 |
| Price To sales | 2.21 |
| EV / EBITDA | 76.07 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking Business
Expected Growth : 1.2 %
What the company do ?
Aktia Pankki Oyj's banking business provides personal and corporate banking services, including deposits, loans, credit cards, and investment products to Finnish customers.
Why we expect these perspectives ?
Aktia Pankki Oyj's 1.2% growth in banking business is driven by increasing demand for digital banking services, strategic expansion into new markets, and a strong focus on customer experience. Additionally, the bank's efforts to improve operational efficiency and reduce costs have contributed to its growth. Furthermore, the Finnish economy's stable growth and low interest rates have created a favorable environment for the banking sector.
Segment n°2 -> Asset Management
Expected Growth : 0.8 %
What the company do ?
Aktia Pankki Oyj's Asset Management provides investment solutions for individuals, companies, and institutions, offering a range of funds and portfolio management services.
Why we expect these perspectives ?
Aktia Pankki Oyj's Asset Management growth of 0.8% is driven by increasing demand for wealth management services among Finnish households, steady inflows from institutional clients, and strategic partnerships with insurance companies. Additionally, the segment benefits from Aktia's strong brand recognition, efficient cost structure, and a diversified product offering.
Segment n°3 -> Life Insurance
Expected Growth : 1.1 %
What the company do ?
Aktia Pankki Oyj's Life Insurance provides financial protection to beneficiaries in the event of death, with optional riders for critical illness and disability coverage.
Why we expect these perspectives ?
Aktia Pankki Oyj's 1.1% growth in Life Insurance is driven by increasing demand for protection products, favorable regulatory environment, and strategic partnerships. Additionally, the insurer's digitalization efforts, expansion into new markets, and focus on customer-centric products have contributed to the growth. Furthermore, Finland's aging population and rising awareness of insurance benefits have also supported the segment's growth.
Segment n°4 -> Group Functions
Expected Growth : 0.9 %
What the company do ?
Group Functions from Aktia Pankki Oyj refers to centralized departments that support business units, including Risk Management, Compliance, and Finance, ensuring efficient operations.
Why we expect these perspectives ?
Aktia Pankki Oyj's Group Functions segment growth of 0.9 is driven by increasing demand for digital banking services, cost savings from operational efficiency initiatives, and strategic investments in IT infrastructure. Additionally, the segment benefits from a stable Finnish economy and a growing customer base, contributing to modest growth.
Segment n°5 -> Other and Eliminations
Expected Growth : 0.7 %
What the company do ?
Other and Eliminations from Aktia Pankki Oyj refers to the consolidation adjustments and minority interests, eliminating inter-group transactions and presenting a consolidated view of the company's financial performance.
Why we expect these perspectives ?
Aktia Pankki Oyj's Other and Eliminations segment growth of 0.7% is driven by increased treasury income, higher gains on sale of investments, and reduced losses from discontinued operations, partially offset by lower income from associates and joint ventures.
Aktia Pankki Oyj Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Aktia Pankki Oyj offers personal banking services, including current accounts, savings accounts, credit cards, and personal loans, to individuals. |
| Corporate Banking | Aktia Pankki Oyj provides corporate banking services, including cash management, trade finance, and lending, to businesses and corporations. |
| Investment Services | Aktia Pankki Oyj offers investment services, including asset management, investment advice, and brokerage services, to individuals and institutions. |
| Wealth Management | Aktia Pankki Oyj provides wealth management services, including portfolio management, estate planning, and tax planning, to high net worth individuals and families. |
| Insurance Services | Aktia Pankki Oyj offers insurance services, including life insurance, non-life insurance, and pension insurance, to individuals and businesses. |
| Digital Banking | Aktia Pankki Oyj provides digital banking services, including online banking, mobile banking, and payment services, to individuals and businesses. |
Aktia Pankki Oyj's Porter Forces
Threat Of Substitutes
Aktia Pankki Oyj operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand reputation and customer loyalty mitigate the threat of substitutes.
Bargaining Power Of Customers
Aktia Pankki Oyj's customers have significant bargaining power due to the availability of alternative banking services. The company must maintain competitive pricing and high-quality services to retain customers.
Bargaining Power Of Suppliers
Aktia Pankki Oyj has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it negotiating power in supplier relationships.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory requirements and capital requirements. This limits the threat of new entrants and allows Aktia Pankki Oyj to maintain its market position.
Intensity Of Rivalry
The Finnish banking industry is highly competitive, with several major players competing for market share. Aktia Pankki Oyj must maintain its competitive edge through innovative products and services to stay ahead of its rivals.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 86.81% |
| Debt Cost | 3.95% |
| Equity Weight | 13.19% |
| Equity Cost | 7.77% |
| WACC | 4.45% |
| Leverage | 657.95% |
Aktia Pankki Oyj : Quality Control
Aktia Pankki Oyj passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CAF.PA | Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France, a cooperative bank, provides various banking and insurance services to its members in France. The company offers saving products; accounts … |
| ILTY.MI | illimity Bank S.p.A. provides private banking, and investment and trading services in Italy. The company operates through four divisions: Distressed Credit, Growth Credit, Investment Banking, and b-ilty. The Distressed Credit … |
| WKBN.SW | Walliser Kantonalbank provides various banking products and services in Switzerland. It offers Euro and savings plus accounts; mortgages and credits; investment products; provident and insurance products; wealth management services; and … |
| RING.OL | SpareBank 1 Ringerike Hadeland provides various banking products and services to private and corporate customers in Norway. The company offers saving, current, deposit, and currency accounts; vehicle, house and travel, … |
| NBS.L | Nationwide Building Society, together with its subsidiaries, provides retail financial services in the United Kingdom. The company offers current, savings, and individual savings accounts; residential mortgages; overdrafts, personal loans, car … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 Ringerike Hadeland
A-Score
1-Year Total Return ->
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Aktia
A-Score
1-Year Total Return ->
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Crédit Agricole
A-Score
1-Year Total Return ->
4
Nationwide
A-Score
1-Year Total Return ->
5
illimity Bank
A-Score
1-Year Total Return ->
6
