Aktia Pankki Oyj provides banking and financing to individuals, corporates, and institutions in Finland.
Adequate balance sheet average dividend payer.
Share Price & News
How has Aktia Pankki Oyj's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 2A41 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 2A41 exceeded the German Banks industry which returned -1.3% over the past year.
Return vs Market: 2A41 underperformed the German Market which returned 8.1% over the past year.
Price Volatility Vs. Market
How volatile is Aktia Pankki Oyj's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Aktia Pankki Oyj undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 2A41 (€8.71) is trading above our estimate of fair value (€7.99)
Significantly Below Fair Value: 2A41 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 2A41 is good value based on its PE Ratio (12.2x) compared to the DE Banks industry average (20.5x).
PE vs Market: 2A41 is good value based on its PE Ratio (12.2x) compared to the German market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: 2A41 is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: 2A41 is overvalued based on its PB Ratio (1x) compared to the DE Banks industry average (0.8x).
How is Aktia Pankki Oyj forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 2A41's forecast earnings growth (17.7% per year) is above the savings rate (0.2%).
Earnings vs Market: 2A41's earnings (17.7% per year) are forecast to grow slower than the German market (23.6% per year).
High Growth Earnings: 2A41's earnings are forecast to grow, but not significantly.
Revenue vs Market: 2A41's revenue (11.7% per year) is forecast to grow faster than the German market (5.8% per year).
High Growth Revenue: 2A41's revenue (11.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 2A41's Return on Equity is forecast to be low in 3 years time (10.5%).
How has Aktia Pankki Oyj performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 2A41 has a large one-off gain of €66.5M impacting its June 30 2020 financial results.
Growing Profit Margin: 2A41's current net profit margins (33.5%) are lower than last year (34.2%).
Past Earnings Growth Analysis
Earnings Trend: 2A41's earnings have grown by 0.9% per year over the past 5 years.
Accelerating Growth: 2A41's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 2A41 had negative earnings growth (-31%) over the past year, making it difficult to compare to the Banks industry average (1.4%).
Return on Equity
High ROE: 2A41's Return on Equity (6.7%) is considered low.
How is Aktia Pankki Oyj's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: 2A41's Assets to Equity ratio (16.4x) is moderate.
Allowance for Bad Loans: 2A41 has a low allowance for bad loans (72%).
Low Risk Liabilities: 53% of 2A41's liabilities are made up of primarily low risk sources of funding.
Loan Level: 2A41 has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: 2A41's Loans to Deposits ratio (128%) is high.
Level of Bad Loans: 2A41 has an appropriate level of bad loans (0.7%).
What is Aktia Pankki Oyj current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 2A41's dividend (7.18%) is higher than the bottom 25% of dividend payers in the German market (1.23%).
High Dividend: 2A41's dividend (7.18%) is in the top 25% of dividend payers in the German market (3.78%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 2A41 has been paying a dividend for less than 10 years.
Growing Dividend: 2A41's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (87.5%), 2A41's payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 2A41's dividends in 3 years are forecast to be covered by earnings (73.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mikko Ayub (51 yo)
Mr. Mikko Ayub, M.Sc., MBA, serves as Chief Executive Officer at Aktia Pankki Oyj since October 1, 2018 and serves as its Managing Director. Mr. Ayub serves as President of Aktia Pankki Oyj since 2019. Mr. ...
CEO Compensation Analysis
Compensation vs Market: Mikko's total compensation ($USD503.30K) is below average for companies of similar size in the German market ($USD1.33M).
Compensation vs Earnings: Mikko's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|CEO, President & MD||1.83yrs||€427.00k||0.000050% |
|Executive VP & Deputy CEO||0.75yr||€540.00k||0.023% |
|Executive VP & CFO||3yrs||no data||0.0068% |
|Executive VP & COO||0.75yr||no data||0.0037% |
|Chief Information Officer & Executive VP||3.08yrs||no data||0.010% |
|Director of Investor Relations & Communications||no data||no data||no data|
|General Counsel||no data||no data||no data|
|Executive VP of Private Customers & Acting Director of Corporate Customers||no data||no data||0.0052% |
|Executive Vice President of Concept & strategy||1.58yrs||no data||no data|
|Executive Vice President of Asset Management||0.58yr||no data||no data|
|Head of Sales for Institutional Clients in Asset Management||0.58yr||no data||no data|
|Head of Treasury||no data||no data||no data|
Experienced Management: 2A41's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.
|Independent Vice Chairman of the Board||2.33yrs||€63.00k||0.0083% |
|Independent Director||1.33yrs||€39.00k||no data|
|Independent Director||2.33yrs||€49.00k||0.0020% |
|Independent Director||0.33yr||no data||no data|
|Independent Director||2.33yrs||€52.00k||0.0019% |
|Director||0.33yr||no data||no data|
|Independent Chairman of the Board||2.33yrs||€101.00k||0.0086% |
|Independent Director||0.33yr||no data||no data|
Experienced Board: 2A41's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Aktia Pankki Oyj's company bio, employee growth, exchange listings and data sources
- Name: Aktia Pankki Oyj
- Ticker: 2A41
- Exchange: DB
- Founded: 1825
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €614.848m
- Shares outstanding: 70.11m
- Website: https://www.aktia.fi
Number of Employees
- Aktia Pankki Oyj
- Mannerheimintie 14
- PO Box 207
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|AKTIA||HLSE (OMX Nordic Exchange Helsinki)||Yes||Series A Shares||FI||EUR||Feb 2012|
|AKTAVH||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Series A Shares||GB||EUR||Feb 2012|
|0QF8||LSE (London Stock Exchange)||Yes||Series A Shares||GB||EUR||Feb 2012|
|AKTIAH||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Series A Shares||GB||EUR||Feb 2012|
|2A41||DB (Deutsche Boerse AG)||Yes||Series A Shares||DE||EUR||Feb 2012|
Aktia Pankki Oyj provides banking and financing to individuals, corporates, and institutions in Finland. It operates through three segments: Banking Business, Asset Management, and Group Functions. The com ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/08 21:52|
|End of Day Share Price||2020/08/07 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.