Avanza Bank Holding AB (publ) (AZA.ST) stock analysis
In our weekly check, Avanza Bank Holding AB (publ) is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 4.
About Avanza Bank Holding AB (publ)
Avanza Bank Holding AB (publ) is a Financial Services company (Banks - Regional) based in Sweden, listed on STO as AZA.ST.
What our checks show for AZA.ST
Red flags
- The net margin fell by 14.2 points over 5 years, to 45.9%: the company keeps less of each sale as profit.
- The gross margin fell by 22.3 points, to 74.5%: costs are rising faster than prices.
- Analysts expect revenue to shrink about 1% a year.
- Return on capital (ROCE) is only 0.7%.
Warning signs
- The stock has fallen as much as 59% from a peak. Would you have held through that?
- Recovering from its deepest fall took about 2.7 years.
- Thinly traded (about 261 thousand shares a day): buying and selling can move the price.
Strengths
- Operating cash flow is 3.83x net profit: the profit arrives as real cash.
- Analysts expect earnings per share to grow about 10.8% a year over the next years.
- Analysts expect the net margin to improve by 12.4 points from today's 45.9%.
- Revenue grew 27.5% a year over the last 3 years.
- Earnings per share grew 20% a year over the last 3 years.
- Net profit grew 21.2% a year over the last 3 years.
Next earnings report: 2027-01-22
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Questions
What grade does Avanza Bank Holding AB (publ) (AZA.ST) have?
In our weekly check, Avanza Bank Holding AB (publ) is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 3, red flags: 4. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of AZA.ST stock?
This week's biggest flags for Avanza Bank Holding AB (publ): Margins falling, Gross margin falling, Weak revenue forecast. In total 7 of 25 checks show a warning or a red flag.
What does Avanza Bank Holding AB (publ) do?
Avanza Bank Holding AB (publ) is a Financial Services company (Banks - Regional) based in Sweden, listed on STO as AZA.ST.
When does Avanza Bank Holding AB (publ) report earnings next?
The next earnings report is expected on 2027-01-22. We re-run the checks every week, so the grade can change after it.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-31
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