Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
/
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Aktia Pankki Oyj is a Finnish financial institution offering comprehensive banking, asset management, life insurance, and related services primarily to private individuals, corporates, and institutions across Finland. Founded in 1825 as one of the country's oldest deposit banks, it evolved from a savings bank into a modern commercial bank, changing its name to Aktia Pankki Oyj in 2008 and listing on the stock exchange in 2009. The company operates through four key segments: Asset Management, providing investment products and wealth management; Banking Business, delivering financing, savings, and advisory services; Life Insurance, covering personal risk, disability, and serious illness policies; and supportive Group Functions. Headquartered in Helsinki with around 839 employees, Aktia Pankki Oyj maintains a strong regional presence, particularly in coastal and growth areas, emphasizing digital channels alongside personalized office services in major cities like Turku, Tampere, and Oulu. As a significant player in Finland's financial sector, it focuses on responsible investing, having signed UN-backed Principles for Responsible Investment and Banking, while serving a diverse shareholder base including foundations and private investors.
€11.44
+€0.18 (+1.60%)
Live · 06:43 PM
Net margin is thin at 3.48%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 4.3% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 381x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 86% YoY, profitability momentum has weakened.
381.3x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€287M
▼ -4.3% YoY
Net Income (TTM)
€4M
▼ -86.5% YoY
Net Margin
1.28%
P/E
381.3x
Balance Sheet
Total Assets
€11.98B
Equity
€706M
Total Debt
€4.48B
Cash & Equiv.
€77M
3Y CAGR: -0.8%
Continue Research
At a P/E of 381.3 and a price-to-free-cash-flow of 24.4, Aktia Pankki Oyj (AKTIA.XHEL) trades above a two-stage DCF intrinsic value of about €-51.90 per share, so at €11.44 the stock looks overvalued (553.6% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Aktia Pankki Oyj scores 37/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 7.1%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €-51.90 per share for AKTIA.XHEL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €-38.92. At today's €11.44, that puts the stock about 553.6% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Aktia Pankki Oyj scores 37 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Aktia Pankki Oyj pays a regular dividend of about €0.82 per share per year (typically in quarterly installments), a yield of roughly 7.1% at the current price. That is a payout ratio of about 1,634.8% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For AKTIA.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. AKTIA.XHEL currently trades above its estimated intrinsic value and scores 37/100 on quality (lower-quality). It also yields about 7.1%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.