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AVARDA Stock Chart & Stats
kr185.20
-kr2.20(-1.17%)
At close: 4:00 PM EDT
kr185.20
-kr2.20(-1.17%)
Day’s Range― - ―
52-Week Rangekr131.40 - kr196.60
Previous CloseN/A
Volume44.41K
Average Volume (3M)88.78K
Market Cap
kr12.14B
Enterprise Valuekr12.18B
Total Cash (Recent Filing)kr17.58M
Total Debt (Recent Filing)kr714.13M
Price to Earnings (P/E)17.2
Beta0.46
Next Earnings
Oct 14, 2026EPS Estimate
3.42Next Dividend Ex-DateN/A
Dividend Yield3.25%
Share Statistics
EPS (TTM)9.92
Shares Outstanding64,650,000
10 Day Avg. Volume104,991
30 Day Avg. Volume88,783
Financial Highlights & Ratios
PEG Ratio2.57
Price to Book (P/B)3.48
Price to Sales (P/S)2.85
P/FCF Ratio13.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)12.68
Revenue Forecast (FY)kr3.62B
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained 18.1% revenue growth in 2025 demonstrates expanding loan volumes and merchant transaction activity, supporting scale in both consumer lending and the Avarda payments business. Durable top-line expansion over time underpins investment capacity, fee diversification and long-term market share gains.
Conservative Balance SheetMaterial decline in leverage to a 0.12 debt-to-equity ratio signals strong balance sheet flexibility and lower funding risk. Conservative capital structure supports regulatory resilience, room to grow lending, absorb credit shocks, and maintain dividend or buyback capacity without resorting to stress funding.
Cash Conversion / Earnings QualityNear one-to-one free cash flow conversion in 2025 indicates that reported earnings largely translate into real cash, strengthening capital allocation options. Reliable cash generation supports reinvestment in payments, loan originations and shareholder returns, improving long-term financial durability.
Bears Say
Cash Flow VolatilityPronounced swings in operating and free cash flow complicate multi-year planning and weaken confidence in recurring cash available for lending, investments and payouts. Volatility raises funding and liquidity risk under adverse scenarios and makes capital deployment timing more uncertain.
Flat Net Income Despite Revenue RiseRevenue growth not translating into higher net income signals pressure on operating leverage, possibly from higher provisions, funding costs or opex. Persistent inability to convert top-line gains into bottom-line expansion undermines return-on-equity improvement and may constrain reinvestment capacity.
Margin Normalization / CompressionMaterial margin decline over the period suggests structural normalization or rising cost pressures in lending and payments. Lower margins reduce profitability per unit of revenue, limiting scalability benefits and requiring higher volume or pricing adjustments to sustain historical ROE levels.
TF Bank AB News
AVARDA FAQ
What was TF Bank AB’s price range in the past 12 months?
TF Bank AB lowest stock price was kr131.40 and its highest was kr196.60 in the past 12 months.
What is TF Bank AB’s market cap?
TF Bank AB’s market cap is kr12.14B.
When is TF Bank AB’s upcoming earnings report date?
TF Bank AB’s upcoming earnings report date is Oct 14, 2026 which is in 72 days.
How were TF Bank AB’s earnings last quarter?
TF Bank AB released its earnings results on Jul 10, 2026. The company reported kr2.935 earnings per share for the quarter, missing the consensus estimate of kr2.98 by -kr0.045.
Is TF Bank AB overvalued?
According to Wall Street analysts TF Bank AB’s price is currently Overvalued.
Does TF Bank AB pay dividends?
TF Bank AB pays a Annually dividend of kr5 which represents an annual dividend yield of 3.25%. See more information on TF Bank AB dividends here
What is TF Bank AB’s EPS estimate?
TF Bank AB’s EPS estimate is 3.42.
How many shares outstanding does TF Bank AB have?
TF Bank AB has 64,650,000 shares outstanding.
What happened to TF Bank AB’s price movement after its last earnings report?
TF Bank AB reported an EPS of kr2.935 in its last earnings report, missing expectations of kr2.98. Following the earnings report the stock price went up 11.591%.
Which hedge fund is a major shareholder of TF Bank AB?
Currently, no hedge funds are holding shares in SE:AVARDA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
TF Bank AB
TF Bank AB (publ) provides consumer banking services and e-commerce solutions through a proprietary IT platform. The company operates in three segments: Consumer Lending, E-commerce Solutions, and Credit Cards. It provides savings accounts; unsecured consumer loans; and digital payment solutions, as well as credit cards. The company serves private individuals in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, and Austria. TF Bank AB (publ) was founded in 1987 and is headquartered in Borås, Sweden.