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Avanza Bank Holding AB (SE:AZA)
:AZA

Avanza Bank Holding AB (AZA) AI Stock Analysis

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Avanza Bank Holding AB

(LSE:AZA)

Rating:82Outperform
Price Target:
Avanza Bank Holding AB receives a high overall stock score due to its exceptional financial performance, characterized by strong growth, zero debt, and robust cash flows. Technical analysis suggests a neutral trend with potential consolidation, and the valuation remains fair. The lack of recent corporate events or earnings call data slightly limits the analysis but does not detract from its solid financial foundation.

Avanza Bank Holding AB (AZA) vs. iShares MSCI Sweden ETF (EWD)

Avanza Bank Holding AB Business Overview & Revenue Model

Company DescriptionAvanza Bank Holding AB (publ) provides online stock trading services in Sweden. The company offers share and fund, investment savings, endowment insurance, endowment child insurance, external deposit, and pension insurance savings 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, and margin loans and lending products. In addition, the company offers decision support services; and publishes topical news and independent advice on the financial website, Placera, as well as on the weekly financial magazine, Börsveckan. It primarily serves individual investors; and professional investors and corporate customers, such as entrepreneurs and asset managers. The company was founded in 1999 and is headquartered in Stockholm, Sweden.
How the Company Makes MoneyAvanza Bank Holding AB makes money through several key revenue streams. The primary source of revenue is the fees and commissions it charges on trading activities conducted by its users on its platform. This includes transaction fees from buy and sell orders of securities such as stocks and mutual funds. Additionally, Avanza earns interest income from its lending activities, including loans and mortgages offered to customers. The company also generates revenue from management fees related to its asset management services and other financial products. Avanza's focus on technology and digital services allows it to maintain a low-cost structure, which contributes to its profitability. The bank benefits from a significant customer base and has several strategic partnerships with financial institutions and technology providers to enhance its service offerings.

Avanza Bank Holding AB Financial Statement Overview

Summary
Avanza Bank Holding AB demonstrates exceptional financial health with strong revenue and profit growth, a robust equity position with zero debt, and significant cash flow generation, indicating high financial stability and profitability.
Income Statement
85
Very Positive
Avanza Bank Holding AB shows strong financial performance with a consistent increase in total revenue from 2020 to TTM (Trailing-Twelve-Months) 2025. The gross profit margin is robust, and net profit margins are healthy. The company also exhibits a positive trend in EBIT and EBITDA margins, demonstrating efficient cost management and profitability.
Balance Sheet
90
Very Positive
The balance sheet reflects a solid financial standing with zero total debt in the recent periods, indicating no leverage risk. The equity ratio is stable and improving, showcasing a strong equity position. The return on equity is high, reflecting effective utilization of shareholder funds to generate profits.
Cash Flow
92
Very Positive
Avanza Bank's cash flow statement indicates strong cash generation capabilities with significant growth in free cash flow. The operating cash flow to net income ratio is favorable, ensuring liquidity and operational efficiency. The company maintains a solid free cash flow to net income ratio, emphasizing its ability to convert earnings into cash.
Breakdown
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
4.63B3.90B3.75B2.97B3.30B2.35B
Gross Profit
3.77B3.90B3.35B2.42B2.70B1.90B
EBIT
2.82B2.62B2.29B2.09B2.44B1.58B
EBITDA
683.00M0.002.38B3.45B2.52B1.69B
Net Income Common Stockholders
2.41B2.25B1.98B1.67B2.05B1.33B
Balance SheetCash, Cash Equivalents and Short-Term Investments
7.61B8.19B8.63B4.92B2.94B1.43B
Total Assets
346.92B343.61B282.45B241.09B279.08B204.78B
Total Debt
0.000.0092.00M83.00M122.00M171.00M
Net Debt
-7.61B-8.19B-8.63B-4.83B-2.82B-1.26B
Total Liabilities
339.88B337.29B276.62B236.14B274.38B201.60B
Stockholders Equity
7.04B6.32B5.83B4.95B4.70B3.17B
Cash FlowFree Cash Flow
11.85B3.95B8.72B7.61B4.47B6.83B
Operating Cash Flow
11.89B3.99B8.74B7.65B4.53B6.89B
Investing Cash Flow
-10.88B-1.21B-3.60B-4.37B-2.62B-5.95B
Financing Cash Flow
-1.83B-1.83B-1.09B-1.36B-554.00M-347.00M

Avanza Bank Holding AB Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price315.70
Price Trends
50DMA
318.72
Negative
100DMA
315.93
Negative
200DMA
275.29
Positive
Market Momentum
MACD
-1.89
Positive
RSI
38.31
Neutral
STOCH
4.45
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:AZA, the sentiment is Neutral. The current price of 315.7 is below the 20-day moving average (MA) of 337.39, below the 50-day MA of 318.72, and above the 200-day MA of 275.29, indicating a neutral trend. The MACD of -1.89 indicates Positive momentum. The RSI at 38.31 is Neutral, neither overbought nor oversold. The STOCH value of 4.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SE:AZA.

Avanza Bank Holding AB Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
SEAZA
82
Outperform
kr50.08B20.8135.82%3.67%12.79%17.93%
64
Neutral
$12.85B9.817.79%78.20%12.23%-7.93%
kr348.88B9.8315.39%5.15%
kr255.58B9.3214.54%11.73%
kr281.59B8.1517.65%8.65%
DE9JL
€5.69B22.6437.48%3.16%
DE6TF
€737.71M13.1926.39%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
SE:AZA
Avanza Bank Holding AB
315.70
57.06
22.06%
GB:0HBY
Skandinaviska Enskilda Banken AB
165.29
23.77
16.80%
GB:0R7R
Svenska Handelsbanken AB
125.89
37.33
42.15%
GB:0H6T
Swedbank
248.86
50.29
25.33%
DE:9JL
Nordnet AB
22.40
3.43
18.08%
DE:6TF
TF Bank AB
34.00
13.70
67.49%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.