1AZA Stock Overview

Offers a range of savings, pension, and mortgages products in Sweden. More details

1AZA fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	4/6
Past Performance	3/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 12.1% below our estimate of its fair value

Earnings are forecast to grow 8.67% per year

Earnings have grown 16.3% per year over the past 5 years

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Community vs My Fair Value

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Avanza Bank Holding AB (publ) Competitors

Equita Group

BIT:EQUI

€212.5m

Banca Profilo

BIT:PRO

€116.8m

Banca Generali

BIT:BGN

€5.6b

Directa Sim

BIT:D

€77.4m

Price History & Performance

Summary of share price highs, lows and changes for Avanza Bank Holding
Historical stock prices
Current Share Price	SEK 29.38
52 Week High	SEK 0
52 Week Low	SEK 0
Beta	1.2
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-0.74%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1AZA	IT Capital Markets	IT Market
7D	n/a	-0.3%	0.4%
1Y	n/a	20.6%	11.1%

Return vs Industry: Insufficient data to determine how 1AZA performed against the Italian Capital Markets industry.

Return vs Market: Insufficient data to determine how 1AZA performed against the Italian Market.

Price Volatility

Is 1AZA's price volatile compared to industry and market?
1AZA volatility
1AZA Average Weekly Movement	n/a
Capital Markets Industry Average Movement	3.0%
Market Average Movement	4.4%
10% most volatile stocks in IT Market	8.1%
10% least volatile stocks in IT Market	2.7%

Stable Share Price: 1AZA's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1AZA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1986	679	Gustaf Unger	www.avanza.se

Avanza Bank Holding AB (publ), together with its subsidiaries, offers a range of savings, pension, and mortgages products in Sweden. The company offers share and fund, investment savings, endowment insurance, savings, endowment child insurance, external deposit, and pension insurance 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, margin loans, and stock lending products.

Avanza Bank Holding AB (publ) Fundamentals Summary

How do Avanza Bank Holding's earnings and revenue compare to its market cap?
1AZA fundamental statistics
Market cap	€4.49b
Earnings (TTM)	€205.29m
Revenue (TTM)	€390.90m

21.9x

P/E Ratio

11.5x

P/S Ratio

Is 1AZA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1AZA income statement (TTM)
Revenue	SEK 4.29b
Cost of Revenue	SEK 396.00m
Gross Profit	SEK 3.90b
Other Expenses	SEK 1.64b
Earnings	SEK 2.25b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Apr 15, 2025

Earnings per share (EPS)	14.34
Gross Margin	90.77%
Net Profit Margin	52.52%
Debt/Equity Ratio	0%

How did 1AZA perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

82%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/12 23:14
End of Day Share Price	2025/03/12 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Avanza Bank Holding AB (publ) is covered by 18 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	ABG Sundal Collier
Michael Sanderson	Barclays
Alexander Medhurst	Barclays