profit from every €100 of sales.
€0€100
Aktia Pankki Oyj
€11.86+1.54% today
+4.2% in 1 year
1-year low €10.881-year high €13.34
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay €85.10 for every €1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Aktia Pankki Oyj sold, what it kept, and what it did with the cash.
Sales went from €303 million in 2022 to €295 million in 2025, with €10.3 million of profit last year.
SalesProfit
Aktia Pankki Oyj handed back more cash to shareholders than it generated last year.
€60M
Free cash flow 2025€35M
Bought back its own shares–
Paid as dividends€60M
Cash vs. debt€77M vs. €4.5B
Aktia Pankki Oyj vs. similar companies
Aktia Pankki Oyj grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from €100 of sales | Sales growth a year | Price per €1 of profit |
|---|---|---|---|
| Aktia Pankki Oyj | 85.1× · Very expensive | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Aktia Pankki Oyj's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 303 | 287 | 309 | 295 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 98 | 81 | 76 | 10 | |
| 1.37 | 1.12 | 1.04 | 0.14 | |
| – | – | – | – | |
| – | – | – | – | |
| 32.5% | 28.3% | 24.6% | 3.5% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 12,412 | 12,038 | 11,904 | 11,980 |
| Cash | 166 | 92 | 73 | 77 |
| Total debt | 3,193 | 3,722 | 4,155 | 4,483 |
| Total liabilities | 11,772 | 11,333 | 11,162 | 11,275 |
| 640 | 705 | 742 | 706 | |
| 72 | 72 | 73 | 73 | |
| – | – | – | – | |
| 15.4% | 11.5% | 10.2% | 1.5% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -510 | 25 | 33 | 68 | |
| 12 | 22 | 30 | 33 | |
| -522 | 3 | 2 | 35 | |
| Dividends paid | 40 | 31 | 51 | 60 |
| – | – | – | – | |
| 2 | 2 | -1 | -0 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 85.1×
- –
- –
- 1.2×
- 3.0×
- 1.2%
- 6.9%
Profitability
- 3.5%
- –
- –
- –
- –
Growth
- −0.8%
- −53.2%
- –
- +0.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 3%of 866
Bottom 19%of 862
Bottom 39%of 921
6.9%of the share price, paid each year
On $1,000 invested$69a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
583.9% of its profit
Room to growStretchedMore than it earns: 171.7%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Aktia Pankki Oyj
Is Aktia Pankki Oyj a good stock to buy?
A business with weak numbers, priced as if everything goes right. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Aktia Pankki Oyj AI analysis
What does Aktia Pankki Oyj do?
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. It is in Banks - Regional, based in Helsinki, Finland, with 845 employees.
Does Aktia Pankki Oyj pay a dividend?
Yes. At today's price the dividend is 6.9% a year. In 2025 it paid out €59.9 million in dividends.
Is Aktia Pankki Oyj stock halal?
No. Aktia Pankki Oyj does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Aktia Pankki Oyj stock done over the past year?
Up 4.2% over the past twelve months, to €11.86. It traded between €10.88 and €13.34 and is 11.1% below its high.
Who are Aktia Pankki Oyj's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Aktia Pankki Oyj's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.