Avarda Bank AB (publ) (AVARDA.ST) — Stock Score Summary

Avarda Bank AB (publ) (AVARDA.ST) has a MoatMap StockRank of 40/100 based on Quality (51/100), Value (26/100), and Momentum (50/100) factor scores. The current signal is HOLD. Avarda Bank is a Swedish financial services provider. It lacks a durable moat, operates in a highly competitive regional market, and has no exposure to our core macro themes.

Avarda Bank AB (operating as part of TF Bank Group) is a specialized financial services provider offering white-label checkout and payment solutions for e-commerce merchants in the Nordics. The company enables retailers to offer customized buy-now-pay-later (BNPL) and installment options under their own brands, enhancing customer loyalty. Its competitive advantage lies in its proprietary risk-scoring algorithms, seamless API integration, and merchant-centric business model.

Key Financial Metrics

Price$18.45
Market Cap$1.2B
P/E (TTM)16.31
P/E (Forward)11.41
Price/Book3.56
Return on Equity22.9%
Gross Margin0.0%
Operating Margin45.6%
Revenue Growth22.9%
Dividend Yield2.9%

Avarda Bank AB (publ) operates in the Banks - Regional industry, part of the Financial Services sector (Sweden).

Frequently Asked Questions

What is Avarda Bank AB (publ)’s (AVARDA.ST) StockRank?
MoatMap’s StockRank for Avarda Bank AB (publ) (AVARDA.ST) is 40/100, with a Hold signal. It is a composite of Quality (51), Value (26), and Momentum (50) factor ranks across MoatMap’s 19,000+ stock universe.
Does Avarda Bank AB (publ) have an economic moat?
Avarda Bank AB (publ) (AVARDA.ST) has a Quality factor score of 51/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Avarda Bank AB (publ) a buy, hold, or sell?
MoatMap’s current signal for Avarda Bank AB (publ) (AVARDA.ST) is Hold, based on a StockRank of 40/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Avarda Bank AB (publ) in?
Avarda Bank AB (publ) (AVARDA.ST) operates in the Financial Services sector, specifically the Banks - Regional industry (Sweden).
Browse all ranked stocksAVARDA.ST deep dive reportAI ChampionsHow we score stocksSense-check another stock