AVANZA BANK HOLDING AB (1AZA.MI) Stock Fundamental Analysis
Europe - BIT:1AZA - SE0012454072 - Common Stock
34.17 EUR
+34.17 (+Infinity%)
1AZA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 114 industry peers in the Capital Markets industry. 1AZA has an excellent profitability rating, but there are concerns on its financial health. 1AZA is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
1AZA had positive earnings in the past year.
In the past year 1AZA had a positive cash flow from operations.
In the past 5 years 1AZA has always been profitable.
Each year in the past 5 years 1AZA had a positive operating cash flow.
1.2 Ratios
1AZA has a Return On Assets (0.65%) which is comparable to the rest of the industry.
1AZA has a Return On Equity of 36.00%. This is amongst the best in the industry. 1AZA outperforms 92.98% of its industry peers.
1AZA's Return On Invested Capital of 0.65% is in line compared to the rest of the industry. 1AZA outperforms 49.12% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1AZA is significantly below the industry average of 8.46%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 36% | ||
| ROIC | 0.65% |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)34.43%
ROE(5y)37.79%
ROIC(3y)0.69%
ROIC(5y)0.7%
1.3 Margins
1AZA has a better Profit Margin (46.19%) than 88.60% of its industry peers.
In the last couple of years the Profit Margin of 1AZA has grown nicely.
1AZA's Operating Margin of 53.93% is amongst the best of the industry. 1AZA outperforms 88.60% of its industry peers.
In the last couple of years the Operating Margin of 1AZA has grown nicely.
With a decent Gross Margin value of 77.56%, 1AZA is doing good in the industry, outperforming 76.32% of the companies in the same industry.
1AZA's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 53.93% | ||
| PM (TTM) | 46.19% | ||
| GM | 77.56% |
OM growth 3Y-8.94%
OM growth 5Y5.71%
PM growth 3Y-8.2%
PM growth 5Y6.39%
GM growth 3Y-6.03%
GM growth 5Y-2.46%
2. Health
2.1 Basic Checks
1AZA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1AZA has more shares outstanding
The debt/assets ratio for 1AZA has been reduced compared to a year ago.
2.2 Solvency
1AZA has an Altman-Z score of -0.09. This is a bad value and indicates that 1AZA is not financially healthy and even has some risk of bankruptcy.
1AZA's Altman-Z score of -0.09 is on the low side compared to the rest of the industry. 1AZA is outperformed by 60.53% of its industry peers.
The Debt to FCF ratio of 1AZA is 3.71, which is a good value as it means it would take 1AZA, 3.71 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 3.71, 1AZA is doing good in the industry, outperforming 79.82% of the companies in the same industry.
1AZA has a Debt/Equity ratio of 12.52. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 12.52, 1AZA is not doing good in the industry: 73.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.52 | ||
| Debt/FCF | 3.71 | ||
| Altman-Z | -0.09 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.13 indicates that 1AZA may have some problems paying its short term obligations.
1AZA has a worse Current ratio (0.13) than 64.04% of its industry peers.
A Quick Ratio of 0.13 indicates that 1AZA may have some problems paying its short term obligations.
The Quick ratio of 1AZA (0.13) is worse than 64.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 22.69% over the past year.
The Earnings Per Share has been growing by 37.21% on average over the past years. This is a very strong growth
1AZA shows a small growth in Revenue. In the last year, the Revenue has grown by 7.37%.
1AZA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.90% yearly.
EPS 1Y (TTM)22.69%
EPS 3Y3.44%
EPS 5Y37.21%
EPS Q2Q%20.5%
Revenue 1Y (TTM)7.37%
Revenue growth 3Y12.49%
Revenue growth 5Y29.9%
Sales Q2Q%-16.15%
3.2 Future
Based on estimates for the next years, 1AZA will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.98% on average per year.
Based on estimates for the next years, 1AZA will show a quite strong growth in Revenue. The Revenue will grow by 11.71% on average per year.
EPS Next Y16.29%
EPS Next 2Y8.87%
EPS Next 3Y9.97%
EPS Next 5Y11.98%
Revenue Next Year15.98%
Revenue Next 2Y10.54%
Revenue Next 3Y10.59%
Revenue Next 5Y11.72%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 22.48, the valuation of 1AZA can be described as rather expensive.
1AZA's Price/Earnings ratio is in line with the industry average.
1AZA's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.89.
A Price/Forward Earnings ratio of 22.02 indicates a rather expensive valuation of 1AZA.
1AZA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1AZA is cheaper than 61.40% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. 1AZA is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.48 | ||
| Fwd PE | 22.02 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1AZA indicates a somewhat cheap valuation: 1AZA is cheaper than 74.56% of the companies listed in the same industry.
100.00% of the companies in the same industry are more expensive than 1AZA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.38 | ||
| EV/EBITDA | 14.83 |
4.3 Compensation for Growth
1AZA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of 1AZA may justify a higher PE ratio.
PEG (NY)1.38
PEG (5Y)0.6
EPS Next 2Y8.87%
EPS Next 3Y9.97%
5. Dividend
5.1 Amount
1AZA has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.
1AZA's Dividend Yield is a higher than the industry average which is at 5.73.
Compared to an average S&P500 Dividend Yield of 2.36, 1AZA pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
5.2 History
The dividend of 1AZA is nicely growing with an annual growth rate of 40.72%!
Dividend Growth(5Y)40.72%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
1AZA pays out 70.24% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 1AZA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP70.24%
EPS Next 2Y8.87%
EPS Next 3Y9.97%
BIT:1AZA (11/3/2025, 7:00:00 PM)
34.17
+34.17 (+Infinity%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners57.89%
Inst Owner ChangeN/A
Ins Owners2.92%
Ins Owner ChangeN/A
Market Cap5.37B
Revenue(TTM)5.70B
Net Income(TTM)2.63B
Analysts75
Price Target34.4 (0.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
Yearly Dividend1.04
Dividend Growth(5Y)40.72%
DP70.24%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.45%
Min EPS beat(2)-3.25%
Max EPS beat(2)2.34%
EPS beat(4)3
Avg EPS beat(4)3.9%
Min EPS beat(4)-3.25%
Max EPS beat(4)12.21%
EPS beat(8)5
Avg EPS beat(8)1.61%
EPS beat(12)7
Avg EPS beat(12)1.86%
EPS beat(16)9
Avg EPS beat(16)2.35%
Revenue beat(2)1
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-3.37%
Max Revenue beat(2)0.88%
Revenue beat(4)3
Avg Revenue beat(4)17.53%
Min Revenue beat(4)-3.37%
Max Revenue beat(4)42.02%
Revenue beat(8)7
Avg Revenue beat(8)30.03%
Revenue beat(12)11
Avg Revenue beat(12)29.74%
Revenue beat(16)15
Avg Revenue beat(16)27.1%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.48 | ||
| Fwd PE | 22.02 | ||
| P/S | 10.32 | ||
| P/FCF | 2.38 | ||
| P/OCF | 2.38 | ||
| P/B | 8.05 | ||
| P/tB | 8.14 | ||
| EV/EBITDA | 14.83 |
EPS(TTM)1.52
EY4.45%
EPS(NY)1.55
Fwd EY4.54%
FCF(TTM)14.33
FCFY41.94%
OCF(TTM)14.36
OCFY42.03%
SpS3.31
BVpS4.25
TBVpS4.2
PEG (NY)1.38
PEG (5Y)0.6
Graham Number12.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.65% | ||
| ROE | 36% | ||
| ROCE | 0.98% | ||
| ROIC | 0.65% | ||
| ROICexc | 0.68% | ||
| ROICexgc | 0.68% | ||
| OM | 53.93% | ||
| PM (TTM) | 46.19% | ||
| GM | 77.56% | ||
| FCFM | 432.94% |
ROA(3y)0.68%
ROA(5y)0.69%
ROE(3y)34.43%
ROE(5y)37.79%
ROIC(3y)0.69%
ROIC(5y)0.7%
ROICexc(3y)0.71%
ROICexc(5y)0.71%
ROICexgc(3y)0.71%
ROICexgc(5y)0.71%
ROCE(3y)1.01%
ROCE(5y)1.03%
ROICexgc growth 3Y-3.72%
ROICexgc growth 5Y17.85%
ROICexc growth 3Y-3.86%
ROICexc growth 5Y17.77%
OM growth 3Y-8.94%
OM growth 5Y5.71%
PM growth 3Y-8.2%
PM growth 5Y6.39%
GM growth 3Y-6.03%
GM growth 5Y-2.46%
F-Score6
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 12.52 | ||
| Debt/FCF | 3.71 | ||
| Debt/EBITDA | 28.91 | ||
| Cap/Depr | 59.78% | ||
| Cap/Sales | 0.97% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 781.13% | ||
| Profit Quality | 937.29% | ||
| Current Ratio | 0.13 | ||
| Quick Ratio | 0.13 | ||
| Altman-Z | -0.09 |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)42.42%
Cap/Depr(5y)56.45%
Cap/Sales(3y)0.85%
Cap/Sales(5y)1.26%
Profit Quality(3y)355.56%
Profit Quality(5y)360.07%
High Growth Momentum
Growth
EPS 1Y (TTM)22.69%
EPS 3Y3.44%
EPS 5Y37.21%
EPS Q2Q%20.5%
EPS Next Y16.29%
EPS Next 2Y8.87%
EPS Next 3Y9.97%
EPS Next 5Y11.98%
Revenue 1Y (TTM)7.37%
Revenue growth 3Y12.49%
Revenue growth 5Y29.9%
Sales Q2Q%-16.15%
Revenue Next Year15.98%
Revenue Next 2Y10.54%
Revenue Next 3Y10.59%
Revenue Next 5Y11.72%
EBIT growth 1Y24.22%
EBIT growth 3Y2.43%
EBIT growth 5Y37.32%
EBIT Next Year15.8%
EBIT Next 3Y10.49%
EBIT Next 5Y13.45%
FCF growth 1Y542.02%
FCF growth 3Y-4.04%
FCF growth 5Y12.22%
OCF growth 1Y538.8%
OCF growth 3Y-4.1%
OCF growth 5Y12.36%
AVANZA BANK HOLDING AB / 1AZA.MI FAQ
What is the fundamental rating for 1AZA stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1AZA.MI.
What is the valuation status for 1AZA stock?
ChartMill assigns a valuation rating of 5 / 10 to AVANZA BANK HOLDING AB (1AZA.MI). This can be considered as Fairly Valued.
How profitable is AVANZA BANK HOLDING AB (1AZA.MI) stock?
AVANZA BANK HOLDING AB (1AZA.MI) has a profitability rating of 7 / 10.
What is the valuation of AVANZA BANK HOLDING AB based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AVANZA BANK HOLDING AB (1AZA.MI) is 22.48 and the Price/Book (PB) ratio is 8.05.
What is the earnings growth outlook for AVANZA BANK HOLDING AB?
The Earnings per Share (EPS) of AVANZA BANK HOLDING AB (1AZA.MI) is expected to grow by 16.29% in the next year.