Aktia Bank
9.23
EUR
-0.54 %
AKTIA
NASDAQ Helsinki
Banks
Financials
8,754 following
www.aktia.com/en
Aktia Bank offers banking services. The company is a Nordic financial company and offers financial services, asset management, insurance, and real estate brokerage. A large part of the services are offered via the company's network services and are offered to both private and corporate customers in most sectors. The largest presence is in the Finnish market. The company is headquartered in Helsinki.
P/E (adj.) (24e)
7
ROE-% (24e)
14.03 %
P/B (24e)
0.96
Dividend yield-% (24e)
9.13 %
Target price
10.50 EUR
Recommendation
Accumulate
Updated
6.11.2024
NASDAQ Helsinki
AKTIA
Daily low / high price
9.21 / 9.41
EUR
Market cap
672.65M EUR
Turnover
532.24K EUR
Volume
57K
Business risk
Valuation risk
Current
Previous
Latest research
Analyst
Kasper Mellas
Analyst
Latest videos
Financial calendar
Annual report
12.02.2025
General meeting
03.04.2025
Interim report
07.05.2025
Interim report
05.08.2025
Interim report
06.11.2025
Income statement
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Operating income | 201.1 | 263.8 | 302.9 | 287.4 | 302.3 | 303.8 | 301.7 | 309.3 |
growth-% | -9.2 % | 31.2 % | 14.8 % | -5.1 % | 5.2 % | 0.5 % | -0.7 % | 2.5 % |
Operating expenses | -142.2 | -174.3 | -169.4 | -176.6 | -176.2 | -180.9 | -186.0 | |
Credit loss | -4.0 | -4.5 | -10.2 | -7.0 | -8.4 | -9.5 | -7.1 | |
EBIT (adj.) | 55.0 | 87.5 | 124.7 | 104.7 | 119.3 | 113.4 | 108.6 | 111.7 |
EBIT | 54.7 | 84.6 | 123.5 | 102.6 | 117.7 | 113.4 | 108.6 | 111.7 |
Net income | 42.6 | 66.8 | 98.3 | 81.3 | 94.6 | 90.7 | 86.9 | 89.4 |
EPS (adj.) | 0.62 | 0.99 | 1.38 | 1.15 | 1.32 | 1.24 | 1.18 | 1.21 |
growth-% | -21.9 % | 60.2 % | 40.0 % | -16.6 % | 14.4 % | -6.1 % | -4.6 % | 2.4 % |
Dividend | 0.43 | 0.56 | 0.43 | 0.70 | 0.84 | 0.81 | 0.77 | 0.79 |
Dividend ratio | 70.2 % | 60.2 % | 31.5 % | 62.5 % | 65.0 % | 65.0 % | 65.0 % | 65.0 % |
Profitability and return on capital
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Cost to income-% | 70.7 % | 66.1 % | 55.9 % | 61.5 % | 58.3 % | 59.6 % | 61.7 % | |
ROA | 0.4 % | 0.6 % | 0.8 % | 0.7 % | 0.8 % | 0.7 % | 0.7 % | 0.7 % |
ROE | 6.7 % | 9.9 % | 15.6 % | 13.2 % | 14.0 % | 12.7 % | 11.7 % | 11.6 % |
ROE tangible | 7.4 % | 11.4 % | 18.9 % | 16.0 % | 16.8 % | 15.1 % | 21.5 % | |
Dividend yield | 4.6 % | 4.6 % | 4.2 % | 7.4 % | 9.1 % | 8.7 % | 8.3 % | 8.5 % |
Valuation
2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e | |
---|---|---|---|---|---|---|---|---|
Share price (EUR) | 9.45 | 12.28 | 10.22 | 9.42 | 9.23 | 9.23 | 9.23 | 9.23 |
Shares | 69.6 | 71.8 | 72.0 | 72.6 | 72.9 | 73.2 | 73.5 | 73.8 |
Market cap | 657.5 | 881.7 | 735.8 | 684.3 | 673.3 | 676.1 | 678.8 | 681.6 |
Enterprise value | 874.1 | 1,168.8 | 1,034.9 | 894.1 | 858.4 | 830.4 | 803.8 | 772.1 |
P/E (adj.) | 15.3 | 12.4 | 7.4 | 8.2 | 7.0 | 7.5 | 7.8 | 7.6 |
P/B | 1.0 | 1.3 | 1.3 | 1.1 | 1.0 | 0.9 | 0.9 | 0.9 |
P/B tangible | 1.08 | 1.56 | 1.55 | 1.27 | 1.15 | 1.10 | 3.54 | - |
Dividend yield | 4.6 % | 4.6 % | 4.2 % | 7.4 % | 9.1 % | 8.7 % | 8.3 % | 8.5 % |
Common equity-% (CET1) | 14.0 % | 11.2 % | 9.0 % | 11.2 % | 12.4 % | 13.0 % | 13.6 % | |
Equity ratio | 6.3 % | 6.3 % | 5.2 % | 5.9 % | 6.3 % | 6.4 % | 6.5 % | 6.6 % |
Quarter data
Q4/23 | 2023 | Q1/24 | Q2/24 | Q3/24 | Q4/24e | 2024e | Q1/25e | Q2/25e | |
---|---|---|---|---|---|---|---|---|---|
Operating income | 74.4 | 287.4 | 77.3 | 76.7 | 76.1 | 72.2 | 302.3 | ||
EBIT | 24.5 | 102.6 | 33.3 | 30.1 | 31.2 | 23.1 | 117.7 | ||
Net income | 19.8 | 81.3 | 27.3 | 24.1 | 24.7 | 18.5 | 94.6 | ||
EPS (adj.) | 0.29 | 1.15 | 0.38 | 0.34 | 0.34 | 0.25 | 1.32 |
ShowingAll content types
Aktia Q3'24 flash comment: Insurance and cost control led to significant forecast beat
Aktia Bank Plc’s directed share issue as a part of the long-term share savings plan
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