Avanza Bank Holding AB
STO:AZA
Income Statement
Earnings Waterfall
Avanza Bank Holding AB
Revenue
|
5.5B
SEK
|
Cost of Revenue
|
-1.6B
SEK
|
Gross Profit
|
3.9B
SEK
|
Operating Expenses
|
-1.3B
SEK
|
Operating Income
|
2.6B
SEK
|
Other Expenses
|
-368m
SEK
|
Net Income
|
2.3B
SEK
|
Income Statement
Avanza Bank Holding AB
Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
824
N/A
|
872
+6%
|
941
+8%
|
997
+6%
|
1 077
+8%
|
1 102
+2%
|
1 120
+2%
|
1 147
+2%
|
1 149
+0%
|
1 175
+2%
|
1 190
+1%
|
1 204
+1%
|
1 243
+3%
|
1 282
+3%
|
1 303
+2%
|
1 349
+4%
|
1 354
+0%
|
1 347
-1%
|
1 383
+3%
|
1 431
+3%
|
1 480
+3%
|
1 770
+20%
|
2 037
+15%
|
2 327
+14%
|
2 741
+18%
|
3 221
+18%
|
3 485
+8%
|
3 702
+6%
|
3 846
+4%
|
3 636
-5%
|
3 474
-4%
|
3 432
-1%
|
3 451
+1%
|
3 666
+6%
|
4 067
+11%
|
4 439
+9%
|
4 714
+6%
|
4 948
+5%
|
5 166
+4%
|
5 305
+3%
|
5 474
+3%
|
|
Gross Profit | ||||||||||||||||||||||||||||||||||||||||||
Cost of Revenue |
(128)
|
(124)
|
(130)
|
(149)
|
(173)
|
(194)
|
(214)
|
(224)
|
(230)
|
(235)
|
(240)
|
(247)
|
(267)
|
(278)
|
(290)
|
(296)
|
(305)
|
(301)
|
(297)
|
(299)
|
(285)
|
(303)
|
(328)
|
(356)
|
(389)
|
(457)
|
(493)
|
(518)
|
(542)
|
(523)
|
(497)
|
(482)
|
(476)
|
(593)
|
(779)
|
(1 037)
|
(1 275)
|
(1 428)
|
(1 550)
|
(1 584)
|
(1 572)
|
|
Gross Profit |
696
N/A
|
748
+7%
|
811
+8%
|
848
+5%
|
904
+7%
|
908
+0%
|
906
0%
|
923
+2%
|
919
0%
|
940
+2%
|
950
+1%
|
957
+1%
|
976
+2%
|
1 004
+3%
|
1 013
+1%
|
1 053
+4%
|
1 049
0%
|
1 046
0%
|
1 086
+4%
|
1 132
+4%
|
1 195
+6%
|
1 467
+23%
|
1 709
+16%
|
1 971
+15%
|
2 352
+19%
|
2 764
+18%
|
2 992
+8%
|
3 184
+6%
|
3 304
+4%
|
3 113
-6%
|
2 977
-4%
|
2 950
-1%
|
2 975
+1%
|
3 073
+3%
|
3 288
+7%
|
3 402
+3%
|
3 439
+1%
|
3 520
+2%
|
3 616
+3%
|
3 721
+3%
|
3 902
+5%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(400)
|
(413)
|
(422)
|
(422)
|
(419)
|
(425)
|
(432)
|
(435)
|
(454)
|
(468)
|
(488)
|
(513)
|
(535)
|
(566)
|
(588)
|
(600)
|
(631)
|
(646)
|
(656)
|
(670)
|
(658)
|
(679)
|
(705)
|
(734)
|
(749)
|
(791)
|
(816)
|
(830)
|
(864)
|
(910)
|
(966)
|
(1 012)
|
(1 031)
|
(1 072)
|
(1 087)
|
(1 115)
|
(1 145)
|
(1 160)
|
(1 214)
|
(1 248)
|
(1 280)
|
|
Selling, General & Administrative |
(336)
|
(345)
|
(357)
|
(366)
|
(399)
|
(379)
|
(383)
|
(386)
|
(429)
|
(412)
|
(435)
|
(459)
|
(508)
|
(514)
|
(534)
|
(545)
|
(558)
|
(542)
|
(545)
|
(551)
|
(588)
|
(583)
|
(601)
|
(622)
|
(662)
|
(661)
|
(690)
|
(708)
|
(777)
|
(797)
|
(846)
|
(884)
|
(928)
|
(935)
|
(951)
|
(976)
|
(1 035)
|
(1 021)
|
(1 057)
|
(1 090)
|
(1 147)
|
|
Depreciation & Amortization |
(7)
|
(7)
|
(7)
|
(7)
|
(8)
|
(8)
|
(8)
|
(8)
|
(8)
|
(8)
|
(8)
|
(11)
|
(12)
|
(15)
|
(18)
|
(18)
|
(20)
|
(30)
|
(39)
|
(48)
|
(55)
|
(64)
|
(67)
|
(72)
|
(67)
|
(87)
|
(87)
|
(86)
|
(70)
|
(71)
|
(75)
|
(78)
|
(81)
|
(85)
|
(86)
|
(87)
|
(88)
|
(88)
|
(89)
|
(91)
|
(92)
|
|
Other Operating Expenses |
(57)
|
(61)
|
(58)
|
(49)
|
(12)
|
(38)
|
(41)
|
(41)
|
(17)
|
(48)
|
(45)
|
(43)
|
(15)
|
(37)
|
(36)
|
(37)
|
(53)
|
(74)
|
(72)
|
(71)
|
(15)
|
(32)
|
(37)
|
(40)
|
(20)
|
(43)
|
(39)
|
(36)
|
(17)
|
(42)
|
(45)
|
(50)
|
(22)
|
(52)
|
(50)
|
(52)
|
(22)
|
(51)
|
(68)
|
(67)
|
(41)
|
|
Operating Income |
296
N/A
|
335
+13%
|
389
+16%
|
426
+10%
|
485
+14%
|
483
0%
|
474
-2%
|
488
+3%
|
465
-5%
|
472
+2%
|
462
-2%
|
444
-4%
|
441
-1%
|
438
-1%
|
425
-3%
|
453
+7%
|
418
-8%
|
400
-4%
|
430
+8%
|
462
+7%
|
537
+16%
|
788
+47%
|
1 004
+27%
|
1 237
+23%
|
1 603
+30%
|
1 973
+23%
|
2 176
+10%
|
2 354
+8%
|
2 440
+4%
|
2 203
-10%
|
2 011
-9%
|
1 938
-4%
|
1 944
+0%
|
2 001
+3%
|
2 201
+10%
|
2 287
+4%
|
2 294
+0%
|
2 360
+3%
|
2 402
+2%
|
2 473
+3%
|
2 622
+6%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(1)
|
(3)
|
(5)
|
(7)
|
(10)
|
(8)
|
(8)
|
(7)
|
(9)
|
(3)
|
(1)
|
0
|
(3)
|
0
|
0
|
0
|
(2)
|
0
|
0
|
0
|
(2)
|
0
|
0
|
0
|
(2)
|
|
Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(8)
|
0
|
0
|
0
|
(17)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
(3)
|
(1)
|
(1)
|
0
|
2
|
2
|
3
|
1
|
1
|
0
|
0
|
1
|
1
|
0
|
0
|
(1)
|
0
|
(2)
|
(3)
|
0
|
(1)
|
0
|
2
|
(2)
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
1
|
|
Pre-Tax Income |
296
N/A
|
335
+13%
|
389
+16%
|
426
+10%
|
485
+14%
|
484
0%
|
474
-2%
|
488
+3%
|
465
-5%
|
470
+1%
|
462
-2%
|
444
-4%
|
441
-1%
|
440
0%
|
427
-3%
|
456
+7%
|
418
-8%
|
399
-5%
|
426
+7%
|
456
+7%
|
520
+14%
|
781
+50%
|
997
+28%
|
1 230
+23%
|
1 576
+28%
|
1 970
+25%
|
2 173
+10%
|
2 351
+8%
|
2 437
+4%
|
2 202
-10%
|
2 011
-9%
|
1 940
-4%
|
1 940
N/A
|
1 999
+3%
|
2 200
+10%
|
2 285
+4%
|
2 292
+0%
|
2 361
+3%
|
2 403
+2%
|
2 474
+3%
|
2 621
+6%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(46)
|
(51)
|
(57)
|
(61)
|
(70)
|
(70)
|
(70)
|
(72)
|
(66)
|
(67)
|
(65)
|
(63)
|
(63)
|
(62)
|
(58)
|
(69)
|
(69)
|
(67)
|
(72)
|
(71)
|
(73)
|
(116)
|
(152)
|
(192)
|
(242)
|
(309)
|
(343)
|
(371)
|
(390)
|
(344)
|
(307)
|
(283)
|
(274)
|
(274)
|
(299)
|
(308)
|
(310)
|
(324)
|
(332)
|
(344)
|
(367)
|
|
Income from Continuing Operations |
250
|
284
|
332
|
365
|
415
|
414
|
404
|
416
|
399
|
403
|
397
|
381
|
378
|
378
|
369
|
387
|
349
|
332
|
354
|
385
|
447
|
665
|
845
|
1 038
|
1 334
|
1 661
|
1 830
|
1 980
|
2 047
|
1 858
|
1 704
|
1 657
|
1 666
|
1 725
|
1 901
|
1 977
|
1 982
|
2 037
|
2 071
|
2 130
|
2 254
|
|
Net Income (Common) |
250
N/A
|
284
+14%
|
332
+17%
|
366
+10%
|
415
+13%
|
414
0%
|
404
-2%
|
415
+3%
|
399
-4%
|
403
+1%
|
398
-1%
|
382
-4%
|
379
-1%
|
381
+1%
|
371
-3%
|
388
+5%
|
349
-10%
|
332
-5%
|
354
+7%
|
386
+9%
|
447
+16%
|
665
+49%
|
845
+27%
|
1 038
+23%
|
1 335
+29%
|
1 662
+24%
|
1 832
+10%
|
1 982
+8%
|
2 047
+3%
|
1 859
-9%
|
1 704
-8%
|
1 656
-3%
|
1 666
+1%
|
1 724
+3%
|
1 900
+10%
|
1 977
+4%
|
1 982
+0%
|
2 036
+3%
|
2 070
+2%
|
2 128
+3%
|
2 254
+6%
|
|
EPS (Diluted) |
1.71
N/A
|
1.94
+13%
|
2.27
+17%
|
2.46
+8%
|
2.82
+15%
|
2.8
-1%
|
2.72
-3%
|
2.79
+3%
|
2.69
-4%
|
2.7
+0%
|
2.67
-1%
|
2.57
-4%
|
2.54
-1%
|
2.52
-1%
|
2.47
-2%
|
2.57
+4%
|
2.31
-10%
|
2.19
-5%
|
2.34
+7%
|
2.54
+9%
|
2.94
+16%
|
4.31
+47%
|
5.43
+26%
|
6.65
+22%
|
8.58
+29%
|
10.49
+22%
|
11.54
+10%
|
12.58
+9%
|
13
+3%
|
11.79
-9%
|
10.84
-8%
|
10.62
-2%
|
10.67
+0%
|
10.96
+3%
|
12.12
+11%
|
12.59
+4%
|
12.64
+0%
|
12.96
+3%
|
13.17
+2%
|
13.53
+3%
|
14.32
+6%
|