Avanza Bank Holding AB/Skr AZA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Avanza Bank Holding AB
Avanza Bank Holding AB is a financial services company based in Sweden, primarily focused on providing online banking services. It offers a range of financial products, including savings accounts, mortgages, insurance, and investment opportunities in securities and mutual funds. Founded in 1999, Avanza has positioned itself as one of the larger online platforms for personal finance management by leveraging digital capabilities to offer low-cost, user-friendly services for retail investors. The company's headquarters is located in Stockholm, Sweden, and it primarily serves the Swedish market. Its strategic approach focuses on technology-driven solutions to enhance customer experience in personal and investment banking.
- Ticker
- Skr AZA
- Sector
- Finance
- Primary listing
- XSTO
- Employees
- 812
- Headquarters
- Stockholm, Sweden
- Website
- www.avanza.se
AZA Metrics
BasicAdvanced
kr 56B
19.09
kr 18.43
0.63
kr 12.75
3.62%
Price and volume
Market cap
kr 56B
Beta
0.63
52-week high
kr 409.20
52-week low
kr 318.40
Average daily volume
314K
Dividend rate
kr 12.75
Financial strength
Current ratio
0.447
Quick ratio
0.439
Long term debt to equity
0.039
Total debt to equity
0.039
Dividend payout ratio (TTM)
69.53%
Profitability
Gross margin (TTM)
90.83%
Net profit margin (TTM)
53.59%
Operating margin (TTM)
62.85%
Effective tax rate (TTM)
14.34%
Revenue per employee (TTM)
kr 6,810,000
Management effectiveness
Return on assets (TTM)
0.66%
Return on equity (TTM)
36.93%
Valuation
Price to earnings (TTM)
19.093
Price to revenue (TTM)
10.043
Price to book
7.5
Price to tangible book (TTM)
7.58
Price to free cash flow (TTM)
5.021
Free cash flow yield (TTM)
19.92%
Free cash flow per share (TTM)
70.087
Dividend yield (TTM)
3.62%
Forward dividend yield
3.62%
Growth
Revenue change (TTM)
14.14%
Earnings per share change (TTM)
10.89%
3-year revenue growth (CAGR)
14.04%
10-year revenue growth (CAGR)
18.00%
3-year earnings per share growth (CAGR)
13.52%
10-year earnings per share growth (CAGR)
20.69%
3-year dividend per share growth (CAGR)
19.35%
10-year dividend per share growth (CAGR)
19.76%
What the Analysts think about AZA
Analyst ratings (Buy, Hold, Sell) for Avanza Bank Holding AB stock.
Analyst projections of the future price of Avanza Bank Holding AB stock.
Bulls say / Bears say
Avanza is still winning new customers and assets: Q3 net inflows were SEK 23.1 billion, customer numbers rose by 52,800 and savings capital grew 6% from the previous quarter. That expands the base from which it can earn fees and interest income. (MFN)
Earnings have grown strongly year on year: operating income rose 15% and operating profit 16% in the first nine months of 2026. This shows that Avanza has so far converted customer and market growth into higher profits. (MFN)
The platform appears sticky, with customer churn of just 0.7% over the past 12 months and an average of 490,000 daily active users in Q3. High retention and engagement support the value of Avanza’s large customer base. (MFN)
Avanza’s Q3 adjusted EPS of SEK 4.90 fell short of the SEK 5.04 analyst forecast, while operating income slipped 4% from Q2. The miss highlights the risk that strong customer growth may not translate smoothly into quarterly earnings. (Investing.com, MFN)
Trading activity weakened: brokerage-generating notes per trading day were down 11% year on year in September, and daily turnover was down 7% from August. If this persists, lower trading income could offset the benefit of rising savings balances. (Yahoo Finance)
Costs remain a pressure point as Q3 expenses rose 12% year on year, and the Danish launch carries an estimated SEK 120–150 million of start-up costs through launch. These investments could limit profit growth if the new market takes time to generate returns. (MFN)
Data summarised monthly by Lightyear AI. Last updated on 16 Oct 2026.
AZA Financial Performance
Revenues and expenses
AZA Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing AZA
AllUSDEURGBP
Fund name | Fund size | Skr AZA weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.29% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.29% |
iShares STOXX Europe 600 Banks€EXV1 | €3.7B | 0.21% |
L&G Global Quality Dividends£LDGG | $353M | 0.10% |
Vanguard ESG Developed Europe All Cap£V3EA | €125M | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.