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Evli Pankki Oyj

HLSE:EVLI
Snowflake Description

Second-rate dividend payer and slightly overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
EVLI
HLSE
€184M
Market Cap
  1. Home
  2. FI
  3. Diversified Financials
Company description

Evli Pankki Oyj provides various investment products and services to institutions, companies, and high net worth individuals in Finland, Sweden, and internationally. The last earnings update was 22 days ago. More info.


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EVLI Share Price and Events
7 Day Returns
2.1%
HLSE:EVLI
0.5%
Europe Capital Markets
1.8%
FI Market
1 Year Returns
-20.2%
HLSE:EVLI
-14.4%
Europe Capital Markets
-6.7%
FI Market
EVLI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Evli Pankki Oyj (EVLI) 2.1% -4.9% -12.4% -20.2% 17.3% -
Europe Capital Markets 0.5% -3.6% 5% -14.4% 1.7% -22.2%
FI Market 1.8% -3.2% -1.9% -6.7% 24.4% 27%
1 Year Return vs Industry and Market
  • EVLI underperformed the Capital Markets industry which returned -14.4% over the past year.
  • EVLI underperformed the Market in Finland which returned -6.7% over the past year.
Price Volatility
EVLI
Industry
5yr Volatility vs Market

Value

 Is Evli Pankki Oyj undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Evli Pankki Oyj to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Evli Pankki Oyj.

HLSE:EVLI Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= €2.80 * 20.9%
€0.59
Book Value of Equity per Share Median Book Value from the past 5 years. €2.80
Discount Rate (Cost of Equity) See below 8.4%
Perpetual Growth Rate 10-Year FI Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for HLSE:EVLI
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year FI Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 6.5%
Capital Markets Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.702 (1 + (1- 20%) (108.39%))
1.208
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.21
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.54% + (1.208 * 6.51%)
8.4%

Discounted Cash Flow Calculation for HLSE:EVLI using Excess Returns Model Model

The calculations below outline how an intrinsic value for Evli Pankki Oyj is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

HLSE:EVLI Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (20.9% – 8.4%) * €2.80)
€0.35
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= €0.35 / (8.4% - 0.54%)
€4.46
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= €2.80 + €4.46
€7.26
HLSE:EVLI Discount to Share Price
Calculation Result
Value per share (EUR) From above. €7.26
Current discount Discount to share price of €7.80
= -1 x (€7.80 - €7.26) / €7.26
-7.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Evli Pankki Oyj is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Evli Pankki Oyj's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Evli Pankki Oyj's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
HLSE:EVLI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in EUR €0.57
HLSE:EVLI Share Price ** HLSE (2019-05-17) in EUR €7.8
Europe Capital Markets Industry PE Ratio Median Figure of 128 Publicly-Listed Capital Markets Companies 17.63x
Finland Market PE Ratio Median Figure of 107 Publicly-Listed Companies 19.89x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Evli Pankki Oyj.

HLSE:EVLI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= HLSE:EVLI Share Price ÷ EPS (both in EUR)

= 7.8 ÷ 0.57

13.75x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Evli Pankki Oyj is good value based on earnings compared to the Europe Capital Markets industry average.
  • Evli Pankki Oyj is good value based on earnings compared to the Finland market.
Price based on expected Growth
Does Evli Pankki Oyj's expected growth come at a high price?
Raw Data
HLSE:EVLI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 13.75x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
12.5%per year
Europe Capital Markets Industry PEG Ratio Median Figure of 59 Publicly-Listed Capital Markets Companies 1.49x
Finland Market PEG Ratio Median Figure of 91 Publicly-Listed Companies 1.71x

*Line of best fit is calculated by linear regression .

HLSE:EVLI PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 13.75x ÷ 12.5%

1.1x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Evli Pankki Oyj is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Evli Pankki Oyj's assets?
Raw Data
HLSE:EVLI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in EUR €2.79
HLSE:EVLI Share Price * HLSE (2019-05-17) in EUR €7.8
Europe Capital Markets Industry PB Ratio Median Figure of 215 Publicly-Listed Capital Markets Companies 1.35x
Finland Market PB Ratio Median Figure of 142 Publicly-Listed Companies 1.9x
HLSE:EVLI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= HLSE:EVLI Share Price ÷ Book Value per Share (both in EUR)

= 7.8 ÷ 2.79

2.8x

* Primary Listing of Evli Pankki Oyj.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Evli Pankki Oyj is overvalued based on assets compared to the Europe Capital Markets industry average.
X
Value checks
We assess Evli Pankki Oyj's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Capital Markets industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Capital Markets industry average (and greater than 0)? (1 check)
  5. Evli Pankki Oyj has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Evli Pankki Oyj expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Evli Pankki Oyj expected to grow at an attractive rate?
  • Evli Pankki Oyj's earnings growth is expected to exceed the low risk savings rate of 0.5%.
Growth vs Market Checks
  • Evli Pankki Oyj's earnings growth is positive but not above the Finland market average.
  • Evli Pankki Oyj's revenue growth is expected to exceed the Finland market average.
Annual Growth Rates Comparison
Raw Data
HLSE:EVLI Future Growth Rates Data Sources
Data Point Source Value (per year)
HLSE:EVLI Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 12.5%
HLSE:EVLI Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 5.4%
Europe Capital Markets Industry Earnings Growth Rate Market Cap Weighted Average 14.3%
Europe Capital Markets Industry Revenue Growth Rate Market Cap Weighted Average 5.7%
Finland Market Earnings Growth Rate Market Cap Weighted Average 13.7%
Finland Market Revenue Growth Rate Market Cap Weighted Average 2.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
HLSE:EVLI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in EUR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
HLSE:EVLI Future Estimates Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 23
2022-12-31 82 25 22 1
2021-12-31 79 20 20 1
2020-12-31 73 23 17 1
2019-12-31 69 15 15 1
HLSE:EVLI Past Financials Data
Date (Data in EUR Millions) Revenue Cash Flow Net Income *
2019-03-31 68 70 14
2018-12-31 69 -126 16
2018-09-30 72 25 20
2018-06-30 72 -190 19
2018-03-31 72 43 19
2017-12-31 71 173 17
2017-09-30 66 -39 14
2017-06-30 63 113 11
2017-03-31 61 202 9
2016-12-31 60 42 10
2016-09-30 62 16 13
2016-06-30 63 103 13

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Evli Pankki Oyj's earnings are expected to grow by 12.5% yearly, however this is not considered high growth (20% yearly).
  • Evli Pankki Oyj's revenue is expected to grow by 5.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
HLSE:EVLI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Evli Pankki Oyj Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

HLSE:EVLI Future Estimates Data
Date (Data in EUR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31 0.89 0.89 0.89 1.00
2021-12-31 0.83 0.83 0.83 1.00
2020-12-31 0.72 0.72 0.72 1.00
2019-12-31 0.63 0.63 0.63 1.00
HLSE:EVLI Past Financials Data
Date (Data in EUR Millions) EPS *
2019-03-31 0.57
2018-12-31 0.69
2018-09-30 0.84
2018-06-30 0.82
2018-03-31 0.79
2017-12-31 0.72
2017-09-30 0.59
2017-06-30 0.48
2017-03-31 0.39
2016-12-31 0.42
2016-09-30 0.60
2016-06-30 0.61

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Evli Pankki Oyj will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Evli Pankki Oyj's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Evli Pankki Oyj has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Evli Pankki Oyj performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Evli Pankki Oyj's growth in the last year to its industry (Capital Markets).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Evli Pankki Oyj has delivered over 20% year on year earnings growth in the past 5 years.
  • Evli Pankki Oyj's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Evli Pankki Oyj's 1-year earnings growth is negative, it can't be compared to the Europe Capital Markets industry average.
Earnings and Revenue History
Evli Pankki Oyj's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Evli Pankki Oyj Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

HLSE:EVLI Past Revenue, Cash Flow and Net Income Data
Date (Data in EUR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 68.40 13.60 50.20
2018-12-31 68.50 16.00 49.10
2018-09-30 71.80 19.50 50.10
2018-06-30 72.10 19.20 50.10
2018-03-31 72.10 19.00 49.90
2017-12-31 71.40 16.70 50.20
2017-09-30 66.40 13.50 48.20
2017-06-30 62.90 10.80 47.60
2017-03-31 60.70 8.90 48.30
2016-12-31 60.10 9.60 48.80
2016-09-30 62.05 12.98 49.28
2016-06-30 62.75 13.18 49.48
2016-03-31 63.45 12.88 49.68
2015-12-31 64.25 11.48 49.78
2015-09-30 59.62 6.71 47.65
2015-06-30 62.22 7.71 48.45
2015-03-31 62.02 7.71 48.65
2014-12-31 59.72 6.81 47.65
2014-09-30 61.03 7.32 49.88
2014-06-30 56.53 5.42 48.18
2014-03-31 55.93 6.22 47.08
2013-12-31 55.53 5.02 47.88
2013-09-30 52.94 3.35 46.52
2013-06-30 52.74 2.95 46.12
2013-03-31 49.04 1.25 44.62
2012-12-31 48.24 1.65 43.62
2012-09-30 48.83 0.85 46.21
2012-06-30 53.63 3.05 49.31

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Evli Pankki Oyj has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Evli Pankki Oyj used its assets less efficiently than the Europe Capital Markets industry average last year based on Return on Assets.
  • Unable to establish if Evli Pankki Oyj improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Evli Pankki Oyj's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Capital Markets industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Evli Pankki Oyj has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Evli Pankki Oyj's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Evli Pankki Oyj's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Evli Pankki Oyj's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Evli Pankki Oyj's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Evli Pankki Oyj's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 3.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Evli Pankki Oyj Company Filings, last reported 1 month ago.

HLSE:EVLI Past Debt and Equity Data
Date (Data in EUR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 66.60 198.90 25.70
2018-12-31 77.40 191.60 34.50
2018-09-30 74.30 186.40 49.00
2018-06-30 70.10 186.60 60.30
2018-03-31 65.90 155.20 71.80
2017-12-31 72.50 159.10 52.90
2017-09-30 66.50 134.10 44.20
2017-06-30 61.90 167.90 59.70
2017-03-31 58.90 82.20 38.60
2016-12-31 63.60 78.20 80.10
2016-09-30 63.00 61.60 54.20
2016-06-30 61.60 76.80 53.40
2016-03-31 66.60 66.10 44.00
2015-12-31 70.24 63.98 241.23
2015-09-30 51.00 52.50 20.40
2015-06-30 49.20 50.10 33.80
2015-03-31 50.10 41.40 37.00
2014-12-31 52.20 73.80 217.76
2014-09-30 53.20 73.60 41.00
2014-06-30 49.60 55.30 31.70
2014-03-31 47.90 72.00 53.60
2013-12-31 48.77 115.10 178.84
2013-09-30 50.00 100.20 14.50
2013-06-30 49.30 95.30 29.70
2013-03-31 47.10 100.30 11.30
2012-12-31 49.23 93.08 220.21
2012-09-30 49.90 92.30 10.50
2012-06-30 49.40 89.00 11.60
  • Evli Pankki Oyj's level of debt (298.6%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (149.9% vs 298.6% today).
  • Debt is well covered by operating cash flow (35.1%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on Evli Pankki Oyj's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Evli Pankki Oyj's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Evli Pankki Oyj has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Evli Pankki Oyj's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
7.82%
Current annual income from Evli Pankki Oyj dividends. Estimated to be 8.42% next year.
If you bought €2,000 of Evli Pankki Oyj shares you are expected to receive €156 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Evli Pankki Oyj's pays a higher dividend yield than the bottom 25% of dividend payers in Finland (2.32%).
  • Evli Pankki Oyj's dividend is above the markets top 25% of dividend payers in Finland (5.28%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
HLSE:EVLI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
Europe Capital Markets Industry Average Dividend Yield Market Cap Weighted Average of 103 Stocks 3.6%
Finland Market Average Dividend Yield Market Cap Weighted Average of 101 Stocks 4.3%
Finland Minimum Threshold Dividend Yield 10th Percentile 1.3%
Finland Bottom 25% Dividend Yield 25th Percentile 2.3%
Finland Top 25% Dividend Yield 75th Percentile 5.3%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

HLSE:EVLI Future Dividends Estimate Data
Date (Data in €) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 0.70 1.00
2020-12-31 0.65 1.00
2019-12-31 0.62 1.00
HLSE:EVLI Past Annualized Dividends Data
Date (Data in €) Dividend per share (annual) Avg. Yield (%)
2019-02-13 0.610 7.356
2018-02-15 0.520 5.752
2017-02-13 0.400 5.274
2016-02-15 0.310 4.568

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Whilst dividend payments have been stable, Evli Pankki Oyj has been paying a dividend for less than 10 years.
  • Dividend payments have increased, but Evli Pankki Oyj only paid a dividend in the past 3 years.
Current Payout to shareholders
What portion of Evli Pankki Oyj's earnings are paid to the shareholders as a dividend.
  • Dividends paid are not well covered by earnings (0.9x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.3x coverage).
X
Income/ dividend checks
We assess Evli Pankki Oyj's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Evli Pankki Oyj afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Evli Pankki Oyj has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Evli Pankki Oyj's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Maunu Lehtimaki
COMPENSATION €440,109
AGE 51
TENURE AS CEO 12.5 years
CEO Bio

Mr. Maunu Lehtimäki, M.Sc. (Econ.), serves as the Chief Executive Officer of Evli Pankki Oyj (a/k/a, Evli Bank Plc) and served as its and Partner. Mr. Lehtimäki joined Evli Bank Plc in 1996. He served as a Director of NASDAQ OMX Nordic Ltd., from January 1, 2011 to July 14, 2016. He serves as a Member of Supervisory Board at Evli Securities AS. He serves as Director at Evli Fund Management Company Ltd.

CEO Compensation
  • Maunu's compensation has been consistent with company performance over the past year.
  • Maunu's remuneration is about average for companies of similar size in Finland.
Management Team Tenure

Average tenure and age of the Evli Pankki Oyj management team in years:

2.3
Average Tenure
51
Average Age
  • The tenure for the Evli Pankki Oyj management team is about average.
Management Team

Maunu Lehtimaki

TITLE
Chief Executive Officer
COMPENSATION
€440K
AGE
51
TENURE
12.5 yrs

Jyri Viskari

TITLE
Managing Director

Claes Tallberg

TITLE
Managing Director

Kai Karttunen

TITLE
Managing Director and Co-Founder

Roger Kempe

TITLE
Founding Partner and Executive Vice President
AGE
59

Juho Mikola

TITLE
CFO & Deputy to the CEO
AGE
37

Panu Jousimies

TITLE
Head of Execution & Operations
AGE
49
TENURE
2.3 yrs

Jari Sevon

TITLE
Chief Investment Officer
TENURE
1.3 yrs

Mikael Thunved

TITLE
Head of Corporate Finance
AGE
53

Mikaela Herrala

TITLE
Investor Relations & Communications Manager
Board of Directors Tenure

Average tenure and age of the Evli Pankki Oyj board of directors in years:

5.3
Average Tenure
57.5
Average Age
  • The tenure for the Evli Pankki Oyj board of directors is about average.
Board of Directors

Henrik Andersin

TITLE
Chairman of the Board
AGE
58
TENURE
13.3 yrs

Mikael Lilius

TITLE
Vice Chairman
AGE
69
TENURE
1.2 yrs

Teuvo Salminen

TITLE
Director
AGE
64
TENURE
9.3 yrs

Robert Ingman

TITLE
Director
AGE
57
TENURE
9.3 yrs

Sari Helander

TITLE
Director
AGE
51
TENURE
0.2 yrs

Fredrik Hacklin

TITLE
Director
AGE
40
TENURE
0.2 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Evli Pankki Oyj's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Evli Pankki Oyj has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Evli Pankki Oyj (HEL:EVLI): Will The Growth Last?

As Evli Pankki Oyj (HEL:EVLI) released its earnings announcement on 31 March 2019, it seems that analyst expectations are fairly bearish, with profits predicted to rise by 14% next year compared with the higher past 5-year average growth rate of 21%. … Below is a brief commentary around Evli Pankki Oyj's earnings outlook going forward, which may give you a sense of market sentiment for the company. … HLSE:EVLI Past and Future Earnings, May 13th 2019 This results in an annual growth rate of 12% based on the most recent earnings level of €16m to the final forecast of €24m by 2022.

Simply Wall St -

Read This Before You Buy Evli Pankki Oyj (HEL:EVLI) Because Of Its P/E Ratio

To keep it practical, we'll show how Evli Pankki Oyj's (HEL:EVLI) P/E ratio could help you assess the value on offer. … Evli Pankki Oyj has a P/E ratio of 11.59, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Do Directors Own Evli Pankki Oyj (HEL:EVLI) Shares?

If you want to know who really controls Evli Pankki Oyj (HEL:EVLI), then you'll have to look at the makeup of its share registry. … With a market capitalization of €189m, Evli Pankki Oyj is a small cap stock, so it might not be well known by many institutional investors. … See our latest analysis for Evli Pankki Oyj

Simply Wall St -

Evli Pankki Oyj (HEL:EVLI): What Are The Future Prospects?

In December 2018, Evli Pankki Oyj (HEL:EVLI) announced its most recent earnings update, whicha … suggested

Simply Wall St -

What Does Evli Pankki Oyj's (HEL:EVLI) Share Price Indicate?

Evli Pankki Oyj (HEL:EVLI), which is in the capital markets business, and is based in Finland,. … Less-covered, small caps sees more of an opportunity for mispricing due to the lack of information available to the public, which can be a good thing? … Today I will analyse the most recent data on Evli Pankki Oyj’s outlook and valuation to see if the opportunity still exists

Simply Wall St -

Income Investors Should Know The Evli Pankki Oyj (HEL:EVLI) Ex-Dividend Date

Investors who want to cash in on Evli Pankki Oyj's (HEL:EVLI) upcoming dividend of €0.61 per share have only 3 days left to buy the shares before its ex-dividend date, 13 March 2019, in time for dividends payable on the 21 March 2019. … Below, I will explain how holding Evli Pankki Oyj can impact your portfolio income stream, by analysing the stock's most recent financial data and dividend attributes. … When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas:?

Simply Wall St -

Did You Miss Evli Pankki Oyj's 25% Share Price Gain?

For example, the Evli Pankki Oyj (HEL:EVLI) share price return of 25% over three years lags the market return in the same period. … One flawed but reasonable way to assess how sentiment around a company has changed, is to compare the earnings per share (EPS) with the share price. … During three years of share price growth, Evli Pankki Oyj achieved compound earnings per share growth of 8.6% per year.

Simply Wall St -

Should Evli Pankki Oyj (HEL:EVLI) Be Part Of Your Dividend Portfolio?

In the last few years Evli Pankki Oyj (HEL:EVLI) has paid a dividend to shareholders. … Does Evli Pankki Oyj tick all the boxes of a great dividend stock? … Check out our latest analysis for Evli Pankki Oyj

Simply Wall St -

Should You Worry About Evli Pankki Oyj's (HEL:EVLI) CEO Pay?

Maunu Lehtimaki became the CEO of Evli Pankki Oyj (HEL:EVLI) in 2006. … This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Maunu Lehtimaki's Compensation Compare With Similar Sized Companies?

Simply Wall St -

Does Evli Pankki Oyj (HEL:EVLI) Have A High Beta?

Beta can be a useful tool to understand how much a stock is influenced by market risk (volatility). … To use beta as an investor, you must first understand that the overall market has a beta of one. … A stock with a beta greater than one is more sensitive to broader market movements than a stock with a beta of less than one.

Simply Wall St -

Company Info

Description

Evli Pankki Oyj provides various investment products and services to institutions, companies, and high net worth individuals in Finland, Sweden, and internationally. The company operates through two segments, Wealth Management and Investors Clients, and Advisory and Corporate Clients. The Wealth Management and Investors Clients segment provides services, such as private banking and wealth management, institutional asset management, and capital market services, as well as public and private market funds. The Advisory and Corporate Client segment offers products and services that include financial advisory, investment research, and incentive plan administration. Its products include mutual funds, equities, derivatives and exchange traded funds, structured products, and banking services. Evli Pankki Oyj was founded in 1985 and is headquartered in Helsinki, Finland.

Details
Name: Evli Pankki Oyj
EVLI
Exchange: HLSE
Founded: 1985
€183,503,057
23,526,033
Website: http://www.evli.com
Address: Evli Pankki Oyj
Aleksanterinkatu 19 A,
4th Floor,
Helsinki,
Uusimaa, 00101,
Finland
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
HLSE EVLI Series B Shares OMX Nordic Exchange Helsinki FI EUR 02. Dec 2015
Number of employees
Current staff
Staff numbers
256
Evli Pankki Oyj employees.
Industry
Asset Management and Custody Banks
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/18 22:37
End of day share price update: 2019/05/17 00:00
Last estimates confirmation: 2019/04/28
Last earnings filing: 2019/04/26
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.