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Avarda Bank AB (AVARDA) Fair Value & Analysis

Financial Services · SE · Market cap 11.1B SEK

Pricekr 183.00
Fair Valuekr 206.36
Upside+12.8%
Quality91/100
Evidence: High Range kr 154.77 – kr 257.95

Analysis

Avarda Bank AB (AVARDA) currently trades at kr 183.00, while our model-based Fair Value estimate is kr 206.36 — implying the stock looks roughly 12.8% undervalued today. We read business quality at 91/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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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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.