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TF Bank AB (AVARDA) Stock Price & Analysis

AVARDA Stock Chart & Stats

SEK 217.00SEK 1.50(0.70%)
At close: 5:30 PM GMT+1
kr 190kr 200kr 210kr 22010 Aug24 Aug7 Sep21 Sep5 Oct19 Oct2 Nov
Day’s Range
SEK 213.00 - SEK 217.50
52-Week Range
SEK 147.98 - SEK 222.00
Previous Close
SEK 215.50
Volume
N/A
Average Volume (3M)
69.65K
Market Cap
SEK 13.93B
Enterprise Value
SEK 13.85B
Total Cash (Recent Filing)
SEK 17.58M
Total Debt (Recent Filing)
SEK 714.13M
Price to Earnings (P/E)
17.2
Beta
0.54
Next Earnings
Jan 20, 2027 (Est.)
EPS Estimate
3.84
Last Dividend Ex-Date
May 06, 2026
Dividend Yield
2.81%

Bulls Say, Bears Say

Bulls Say

Revenue Growth

The 2025 revenue rebound shows renewed demand across TF Bank’s lending, deposit, and payment activities after weaker prior years. If maintained, stronger top-line growth can broaden the earnings base, support operating investment, and reinforce the company’s position across European consumer finance markets.

Balance Sheet Strength

Declining leverage provides TF Bank with greater financial flexibility and a stronger cushion against changes in credit conditions or funding costs. Steady equity growth alongside asset expansion also supports future lending growth, while historically strong ROE indicates effective use of the capital base.

Healthy Profitability

Profitability remains substantial despite some normalization from earlier peaks, demonstrating that TF Bank’s lending and payment activities continue to generate meaningful earnings. A solid EBIT margin can help fund expansion and absorb moderate cost or credit pressure while preserving internal capital generation.

Bears Say

Margin Normalization

The sustained decline in net margin indicates that higher revenue is not translating into proportionally higher profitability. This normalization could constrain earnings growth, reduce the benefit of future sales expansion, and leave results more sensitive to funding costs, credit performance, or operating expenses.

Cash Flow Volatility

Large year-to-year swings in operating and free cash flow make internally generated liquidity less predictable than reported earnings. Although 2025 recovered strongly, recurring volatility can complicate capital planning, limit confidence in cash conversion, and reduce flexibility when lending or funding conditions change.

Uneven Earnings Trajectory

TF Bank’s recent growth pattern remains uneven: revenue weakened before rebounding, while 2025 net income did not increase meaningfully alongside sales. This suggests that converting expansion into durable earnings growth remains a challenge and could keep medium-term results dependent on margin and cost trends.

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 kr 147.98 and its highest was kr 222.00 in the past 12 months.
What is TF Bank AB’s market cap?
TF Bank AB’s market cap is kr 13.93B.
When is TF Bank AB’s upcoming earnings report date?
TF Bank AB’s next earnings report is estimated for Jan 20, 2027 (not yet confirmed), which is in 78 days.
How were TF Bank AB’s earnings last quarter?
TF Bank AB released its earnings results on Oct 14, 2026. The company reported kr 3.505 earnings per share for the quarter, beating the consensus estimate of kr 3.248 by kr 0.257.
Is TF Bank AB overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does TF Bank AB pay dividends?
TF Bank AB pays a Annually dividend of kr 5 which represents an annual dividend yield of 2.81%. See more information on TF Bank AB dividends here
What is TF Bank AB’s EPS estimate?
TF Bank AB’s EPS estimate is 3.84.
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 kr 3.505 in its last earnings report, beating expectations of kr 3.248. Following the earnings report the stock price went up 7.759%.
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