AVARDA.ST
AVARDA.ST
SE0025666969
Avarda Bank AB
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Company Profile

Avarda Bank AB (publ), a digital credit and payment platform, provides consumer banking services and e-commerce solutions in Sweden. The company operates through three segments: Consumer Lending, Ecommerce Solutions, and Credit Cards. It offers deposit products; 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, Austria, Ireland, the Netherlands, Italy, and Spain. Avarda Bank AB (publ) was formerly known as TF Bank AB (publ) and changed its name to Avarda Bank AB (publ) in April 2026. The company was incorporated in 1972 and is headquartered in Borås, Sweden.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
40.3% p.a.
Max Drawdown (5Y)
-50.5%
Sharpe Ratio (5Y)
0.61
Beta Factor
0.49
Size Class
Large Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
Strong cyclicality: The business model is sensitive to economic downturns.
🔴 Low analyst coverage – higher uncertainty in growth estimates & projections
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (40.3% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -50.5% in the extended horizon.
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