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1. Company Snapshot

1.a. Company Description

Avanza Bank Holding AB (publ) provides online stock trading services in Sweden.The company offers share and fund, investment savings, endowment insurance, endowment child insurance, external deposit, and pension insurance savings accounts, as well as occupational pensions and individual pension plans.It also trades in equities, funds, and other securities; and provides external and green mortgages, private banking mortgages, and margin loans and lending products.


In addition, the company offers decision support services; and publishes topical news and independent advice on the financial website, Placera, as well as on the weekly financial magazine, Börsveckan.It primarily serves individual investors; and professional investors and corporate customers, such as entrepreneurs and asset managers.The company was founded in 1999 and is headquartered in Stockholm, Sweden.

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1.b. Last Insights on AZA

Avanza Bank Holding AB's recent performance has been positively influenced by favorable European market conditions, characterized by record-high indices such as the STOXX Europe 600 and FTSE 100. Expectations of lower U.S. borrowing costs have boosted market sentiment, driving investors towards dividend stocks for stable income. As a dividend stock with a history of stable earnings, Avanza Bank is well-positioned to provide consistent payouts. With European markets reaching new heights, the bank's commitment to returning value to shareholders through dividends is a key attraction.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Avanza Bank Holding AB (FRA:1JJA) Q3 2025 Earnings Call Highlights: Record Operating Profit and ...

Oct -17

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Top European Dividend Stocks For October 2025

Oct -07

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European Dividend Stocks Yielding Up To 7.1%

Aug -27

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3 European Dividend Stocks Yielding Up To 4.3%

Jul -03

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Avanza Bank Holding AB (FRA:1JJA) Q1 2025 Earnings Call Highlights: Record-Breaking Quarter ...

Apr -21

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Avanza Bank Holding AB (FRA:1JJA) Q1 2025 Earnings Call Highlights: Record Profits and ...

Apr -18

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European Dividend Stocks To Consider In April 2025

Apr -15

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February 2025's Prominent Dividend Stocks To Consider

Feb -03

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (5.00%)

6. Segments

Savings and Investments

Expected Growth: 5%

Avanza Bank Holding AB (publ)'s 5% growth in Savings and Investments is driven by increasing demand for digital banking services, expansion of mobile banking capabilities, and competitive interest rates. Additionally, strategic partnerships, robust online trading platforms, and a strong brand reputation contribute to the growth. Furthermore, the bank's focus on cost efficiency and effective risk management enables it to maintain a strong financial position, supporting its growth momentum.

7. Detailed Products

Savings Accounts

Avanza Bank Holding AB (publ) offers various savings accounts with competitive interest rates, allowing customers to save money and earn interest.

Investment Products

Avanza Bank Holding AB (publ) provides a range of investment products, including stocks, bonds, ETFs, and mutual funds, allowing customers to invest in various asset classes.

Mortgage Loans

Avanza Bank Holding AB (publ) offers mortgage loans for individuals and businesses, providing financing for property purchases and refinancing.

Credit Cards

Avanza Bank Holding AB (publ) offers credit cards with competitive interest rates and rewards programs, allowing customers to make purchases and earn rewards.

Pension and Insurance Products

Avanza Bank Holding AB (publ) provides pension and insurance products, including life insurance, pension savings, and retirement plans.

Business Banking Services

Avanza Bank Holding AB (publ) offers business banking services, including cash management, payment solutions, and trade finance.

Wealth Management

Avanza Bank Holding AB (publ) provides wealth management services, including portfolio management, investment advice, and financial planning.

8. Avanza Bank Holding AB (publ)'s Porter Forces

Forces Ranking

Threat Of Substitutes

Avanza Bank Holding AB (publ) operates in a highly competitive market, but its strong brand and customer loyalty reduce the threat of substitutes.

Bargaining Power Of Customers

Avanza Bank Holding AB (publ) has a large customer base, which reduces the bargaining power of individual customers.

Bargaining Power Of Suppliers

Avanza Bank Holding AB (publ) has a diversified supplier base, which reduces the bargaining power of individual suppliers.

Threat Of New Entrants

The banking industry is highly regulated, and new entrants face significant barriers to entry, but fintech companies and digital banks pose a threat to traditional banks like Avanza Bank Holding AB (publ).

Intensity Of Rivalry

The banking industry is highly competitive, and Avanza Bank Holding AB (publ) faces intense competition from traditional banks and fintech companies.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 1.55%
Debt Cost 9.48%
Equity Weight 98.45%
Equity Cost 9.48%
WACC 9.48%
Leverage 1.58%

11. Quality Control: Avanza Bank Holding AB (publ) passed 6 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Cembra Money Bank

A-Score: 6.6/10

Value: 3.6

Growth: 4.0

Quality: 5.9

Yield: 8.1

Momentum: 8.0

Volatility: 9.7

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AIB

A-Score: 6.6/10

Value: 6.0

Growth: 6.2

Quality: 7.7

Yield: 6.9

Momentum: 8.5

Volatility: 4.0

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Monte dei Paschi

A-Score: 6.4/10

Value: 8.4

Growth: 3.9

Quality: 7.7

Yield: 6.2

Momentum: 9.0

Volatility: 3.0

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Ringkjøbing Landbobank

A-Score: 6.3/10

Value: 4.7

Growth: 6.0

Quality: 7.6

Yield: 1.2

Momentum: 9.5

Volatility: 9.0

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Jyske Bank

A-Score: 6.3/10

Value: 6.3

Growth: 5.2

Quality: 5.2

Yield: 3.1

Momentum: 9.0

Volatility: 8.7

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Avanza Bank

A-Score: 6.2/10

Value: 2.8

Growth: 6.9

Quality: 8.8

Yield: 6.2

Momentum: 8.5

Volatility: 4.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

344.6$

Current Price

344.6$

Potential

-0.00%

Expected Cash-Flows