Aktia Pankki Oyj provides banking and financing solutions to individuals, corporates, and institutions in Finland.
Price History & Performance
|Historical stock prices|
|Current Share Price||€11.90|
|52 Week High||€8.86|
|52 Week Low||€13.40|
|1 Month Change||0.17%|
|3 Month Change||11.42%|
|1 Year Change||33.86%|
|3 Year Change||29.91%|
|5 Year Change||31.64%|
|Change since IPO||77.61%|
Recent News & Updates
Broker Revenue Forecasts For Aktia Pankki Oyj (HEL:AKTIA) Are Surging Higher
Aktia Pankki Oyj ( HEL:AKTIA ) shareholders will have a reason to smile today, with the analysts making substantial...
|AKTIA||FI Banks||FI Market|
Return vs Industry: AKTIA underperformed the Finnish Banks industry which returned 57% over the past year.
Return vs Market: AKTIA exceeded the Finnish Market which returned 26.3% over the past year.
Stable Share Price: AKTIA is not significantly more volatile than the rest of Finnish stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: AKTIA's weekly volatility (3%) has been stable over the past year.
About the Company
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.
Aktia Pankki Oyj Fundamentals Summary
|AKTIA fundamental statistics|
Is AKTIA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|AKTIA income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
Nov 04, 2021
|Earnings per share (EPS)||0.83|
|Net Profit Margin||30.96%|
How did AKTIA perform over the long term?See historical performance and comparison
3.6%Current Dividend Yield
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: AKTIA (€11.9) is trading above our estimate of fair value (€11.77)
Significantly Below Fair Value: AKTIA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: AKTIA is poor value based on its PE Ratio (14.3x) compared to the European Banks industry average (11.3x).
PE vs Market: AKTIA is good value based on its PE Ratio (14.3x) compared to the Finnish market (23.8x).
Price to Earnings Growth Ratio
PEG Ratio: AKTIA is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: AKTIA is overvalued based on its PB Ratio (1.2x) compared to the XE Banks industry average (0.7x).
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: AKTIA's forecast earnings growth (12.1% per year) is above the savings rate (0.2%).
Earnings vs Market: AKTIA's earnings (12.1% per year) are forecast to grow faster than the Finnish market (7.2% per year).
High Growth Earnings: AKTIA's earnings are forecast to grow, but not significantly.
Revenue vs Market: AKTIA's revenue (7% per year) is forecast to grow faster than the Finnish market (3.7% per year).
High Growth Revenue: AKTIA's revenue (7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: AKTIA's Return on Equity is forecast to be low in 3 years time (11.1%).
How has Aktia Pankki Oyj performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AKTIA has a large one-off gain of €34.8M impacting its June 30 2021 financial results.
Growing Profit Margin: AKTIA's current net profit margins (31%) are lower than last year (34.9%).
Past Earnings Growth Analysis
Earnings Trend: AKTIA's earnings have grown by 2% per year over the past 5 years.
Accelerating Growth: AKTIA's earnings growth over the past year (39.2%) exceeds its 5-year average (2% per year).
Earnings vs Industry: AKTIA earnings growth over the past year (39.2%) exceeded the Banks industry 21.9%.
Return on Equity
High ROE: AKTIA's Return on Equity (8.1%) 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: AKTIA's Assets to Equity ratio (15.5x) is moderate.
Allowance for Bad Loans: AKTIA has a low allowance for bad loans (89%).
Low Risk Liabilities: 51% of AKTIA's liabilities are made up of primarily low risk sources of funding.
Loan Level: AKTIA has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: AKTIA's Loans to Deposits ratio (137%) is high.
Level of Bad Loans: AKTIA has an appropriate level of bad loans (0.5%).
What is Aktia Pankki Oyj current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: AKTIA's dividend (3.61%) is higher than the bottom 25% of dividend payers in the Finnish market (1.67%).
High Dividend: AKTIA's dividend (3.61%) is low compared to the top 25% of dividend payers in the Finnish market (3.65%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, AKTIA has been paying a dividend for less than 10 years.
Growing Dividend: AKTIA's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (51.3%), AKTIA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AKTIA's dividends in 3 years are forecast to be covered by earnings (63.7% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mikko Ayub (52 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 ($USD735.36K) is about average for companies of similar size in the Finnish market ($USD908.04K).
Compensation vs Earnings: Mikko's compensation has increased by more than 20% in the past year.
Experienced Management: AKTIA's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
Experienced Board: AKTIA's board of directors are not considered experienced ( 2.9 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 employee growth, exchange listings and data sources
- Name: Aktia Pankki Oyj
- Ticker: AKTIA
- Exchange: HLSE
- Founded: 1825
- Industry: Regional Banks
- Sector: Banks
- Market Cap: €838.525m
- Shares outstanding: 70.46m
- Website: https://www.aktia.fi
Number of Employees
- Aktia Pankki Oyj
- Arkadiankatu 4-6
- PO Box 207
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/24 23:00|
|End of Day Share Price||2021/09/24 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.