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Aktia Pankki Oyj (AKTIA) Fair Value & Analysis

Financial Services · FI · Market cap €900M

Price€11.36
Fair Value€1.82
Upside-84.0%
Quality95/100
Evidence: High Range €1.37 – €2.28

Fair value as of: Jun 25, 2026

Analysis

Aktia Pankki Oyj (AKTIA) currently trades at €11.36, while our model-based Fair Value estimate is €1.82 — implying the stock looks roughly 84.0% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Aktia Pankki Oyj, together with its subsidiaries, provides banking and financing solutions in Finland. It operates through four segments: Asset Management, Banking Business, Life Insurance, and Group Functions. The company offers banking services, including savings; fixed income, equity, and alternative investments; leisure, investment, and reverse mortgages; construction, investment, unsecured consumer, ASP, student, and green loans; secured consumer credit; and life, disability, critical illness, and group pension insurance products. It also provides investment, asset, and wealth management; business, customer funds, and currency accounts, as well as savings deposit; payment transactions; cards; online services; and financing services, such as bank guarantee, installment, leasing, and factoring. In addition, the company offers financing and liquidity management; sales assistance; and IT and product support and development. It serves individuals, corporate customers, and institutio…

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Frequently asked questions

Is Aktia Pankki Oyj (AKTIA) undervalued?
As of Jun 25, 2026, our model estimates a fair value of €1.82 versus a price of €11.36 — about −84% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AKTIA?
Our 21-model fair value for Aktia Pankki Oyj is €1.82 (as of Jun 25, 2026), built from audited fundamentals. The current price is €11.36.
What is the quality score of AKTIA?
Aktia Pankki Oyj has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.