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Avanza Bank (AZA) investor relations material
Avanza Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record full-year profit of SEK 2,631 million, up 17% year-over-year, and operating profit of SEK 3,078 million, with annual revenue at SEK 4,495 million, up 15% year-over-year.
Customer base grew by 171,000 to 2,242,700, with SEK 54 billion net inflow and savings capital up 13% to SEK 1,079 billion, despite challenging market conditions and outflows from external savings accounts.
Maintained Sweden's most satisfied savers for the 16th consecutive year, with a net promoter score of 41 and eNPS of 57.
Board proposes a dividend of SEK 12.75 per share, corresponding to a 76% payout ratio, above the 70% policy.
Recognized as one of Sweden's most attractive employers.
Financial highlights
Net profit and operating profit both up 17% year-over-year; earnings per share at SEK 16.57, up 16% from 2024.
Return on equity reached 40%, exceeding the 35% target.
Operating margin for the year was 68%; cost-to-savings capital ratio reduced to 14.1 basis points from 14.5.
Fund commissions and trading-related income reached record levels, with increased activity in foreign securities.
Savings capital grew 13% to SEK 1,079 billion, despite SEK 26.4 billion outflow from closing external savings accounts.
Outlook and guidance
Forecasts a 9% cost increase in 2026, driven by investments in growth, technology, Private Banking, and pension business.
Long-term target of average annual cost growth of 8% until 2030, aiming for 5% by 2030.
Optimistic for 2026, expecting improved momentum from lower rates, expansionary fiscal policy, and real wage growth.
Expects continued net outflows of around SEK 8 billion from external savings accounts until closure by May 2026.
Targeting average annual savings capital growth of 15% through 2030.
Quantify external account outflow impact
2026 cost increase allocation by initiative
Update on margin lending deductibility for EI
Clarify external deposit outflow visibility
Detail Q4 loan loss provision drivers
Explain 2026 cost growth above target
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Latest summaries
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Strong growth in customers, profits, and deposits, with stable asset quality and global milestones. - 3407
Net income rose 22.7% year-over-year, with improved financials and a revised upward forecast. - RYM
Refreshed strategy targets NZD 150m cash flow uplift, NZD 500m cash release, and resumed dividends by FY 2028. - 9101
Profits fell across most segments, but energy shipping and a major acquisition stood out. - 4626
Double-digit profit and sales growth, with strong segment results and a stock split impact. - 2371
Revenue up 21.5% YoY, but profit down on higher investments; LiPLUS Holdings acquired. - 3401
Major impairments and divestitures led to a net loss and lower revenue across all segments. - 8002
Profit forecast raised to ¥540.0B and annual dividend to ¥107.50 per share after strong results. - COF
Profit rebounded, NTA and occupancy rose, with strong leasing and premium divestment. - NUF
Statutory loss reported, seeds business repositioned, new CEO appointed, all resolutions passed.
Next Avanza Bank earnings date
Q1 202621 Apr, 2026
Avanza Bank
Next Avanza Bank earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Making investing accessible
Avanza is a Swedish online broker that offers a wide range of investment and savings products, including stocks, mutual funds, pension savings, and savings accounts.
The company was founded in 1999 with the mission of democratizing investments and making it easy and accessible for everyone to invest their money.
An easy to use platform
Avanza operates as an online brokerage platform, allowing customers to invest in a variety of financial products at a low cost. The company has a user-friendly platform with tools and resources that make it easy for customers to manage their investments and make informed decisions.
Avanza also offers educational resources such as webinars and articles, to help customers improve their financial literacy and make better investment decisions.
An award-winning company
Avanza is one of the leading players in the digital financial services industry in Sweden, with almost two million customers. The company has received numerous awards and recognition for its innovative platform and customer service, including being named Sweden's best online broker by several publications.
An interesting fact about Avanza is that the company is a pioneer in the sustainable investment space. In 2017, Avanza launched a sustainability rating system for its investment products, which evaluates companies based on their environmental, social, and governance (ESG) performance.
Avanza has also been vocal about the importance of sustainability and responsible investing, advocating for greater transparency and disclosure in the financial industry.
Other Nordic banks with a focus on investment and savings products are Nordnet, Nordea (Nordea Investor), and Swedbank.
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