Avarda Bank AB (CHIX:AVARDS) PE Ratio without NRI: 16.62 (As of Jun. 26, 2026) — 35% Above Median


CHIX:AVARDS Avarda Bank AB CHIX:AVARDS
76 GF Score
Price kr177.40
GF Value kr135.51
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Avarda Bank AB PE Ratio without NRI?

Avarda Bank AB CHIX:AVARDS 76 PE Ratio without NRI is 16.62 as of Jun. 26, 2026, which is 35% above its 10-year median of 12.30. GuruFocus rates CHIX:AVARDS with a GF Score™ of 76/100 and a GF Value™ of kr135.51 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,445 Banks companies, Avarda Bank AB ranks worse than 81.66% on this metric.

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-06-26), Avarda Bank AB's share price is kr177.40. Avarda Bank AB's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was kr10.68. Therefore, Avarda Bank AB's PE Ratio without NRI for today is 16.62.

During the past 13 years, Avarda Bank AB's highest PE Ratio without NRI was 20.65. The lowest was 6.62. And the median was 12.30.

Avarda Bank AB's EPS without NRI for the three months ended in Mar. 2026 was kr2.91. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was kr10.68.

As of today (2026-06-26), Avarda Bank AB's share price is kr177.40. Avarda Bank AB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was kr10.94. Therefore, Avarda Bank AB's PE Ratio (TTM) for today is 16.22.

Warning Sign:

Avarda Bank AB stock PE Ratio (=16.82) is close to 3-year high of 18.

During the past years, Avarda Bank AB's highest PE Ratio (TTM) was 24.24. The lowest was 6.62. And the median was 12.05.

Avarda Bank AB's EPS (Diluted) for the three months ended in Mar. 2026 was kr3.17. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was kr10.94.

Avarda Bank AB's EPS (Basic) for the three months ended in Mar. 2026 was kr3.17. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was kr10.94.


Avarda Bank AB  (CHIX:AVARDs) PE Ratio without NRI Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio without NRI measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.


Avarda Bank AB PE Ratio without NRI Related Terms


Avarda Bank AB PE Ratio without NRI Historical Data

* Premium members only.

The historical data trend for Avarda Bank AB's PE Ratio without NRI can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Avarda Bank AB PE Ratio without NRI Chart

Avarda Bank AB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.29 11.57 9.72 15.11 16.46

Avarda Bank AB Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.34 13.11 19.14 16.46 15.47

CHIX:AVARDS vs PNC, USB: PE Ratio without NRI Comparison

For the Banks - Regional subindustry, Avarda Bank AB's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Avarda Bank AB PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, Avarda Bank AB's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Avarda Bank AB's PE Ratio without NRI falls into.


CHIX:AVARDS
76GF Score
Avarda Bank AB CHIX:AVARDS
PE Ratio without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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Avarda Bank AB PE Ratio without NRI Calculation

The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.

Avarda Bank AB's PE Ratio without NRI for today is calculated as

PE Ratio without NRI=Share Price/ EPS without NRI
=177.40/10.675
=16.62

Avarda Bank AB's Share Price of today is kr177.40.
Avarda Bank AB's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr10.68.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.

For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio without NRI →
What does a PE Ratio without NRI of 16.62 mean?
Avarda Bank AB (CHIX:AVARDS) has a PE Ratio without NRI of 16.62 as of Jun. 26, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Avarda Bank AB and its competitors. This is 35% above median its historical median of 12.30. Over the past decade, Avarda Bank AB's PE Ratio without NRI has ranged from 6.62 to 20.65. According to the industry distribution chart, Avarda Bank AB ranks #1180 out of 1445 companies in the Banks industry, placing it in the top 81.7%.
Is Avarda Bank AB's PE Ratio without NRI too high?
Avarda Bank AB's current PE Ratio without NRI of 16.62 is 35% above median its 10-year median of 12.30. Over the past 10 years, this metric has ranged from a low of 6.62 to a high of 20.65. The Banks industry median PE Ratio without NRI is 11.38. Avarda Bank AB's value of 16.62 is 46% above this industry median. Based on the distribution chart, Avarda Bank AB ranks #1180 out of 1445 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's PE Ratio without NRI compare to PNC and USB?
According to the Banks industry distribution chart, Avarda Bank AB ranks #1180 out of 1445 companies for PE Ratio without NRI. This places Avarda Bank AB in the lower half of its industry. The industry median PE Ratio without NRI is 11.38. Avarda Bank AB's value of 16.62 is 46% above this benchmark. Historically, Avarda Bank AB's own PE Ratio without NRI has ranged from 6.62 to 20.65 over the past decade. While the company's 10-year median is 12.30 vs. the industry median of 11.38, Avarda Bank AB has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.38, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Avarda Bank AB's current PE Ratio without NRI of 16.62 is 46% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Avarda Bank AB and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avarda Bank AB's current PE Ratio without NRI is 16.62, which is 35% above median its own 10-year median of 12.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current PE Ratio without NRI is 16.62, which is 35% above median its 10-year median of 12.30 and 46% above the Banks industry median of 11.38. Avarda Bank AB's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Avarda Bank AB (CHIX:AVARDS), the current PE Ratio without NRI is 16.62 as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?

Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued. The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51. GuruFocus considers Avarda Bank AB to be Significantly Overvalued.

Key valuation signals for CHIX:AVARDS:

  • PE Ratio without NRI: 16.62 (35% above median its 10-year median of 12.30)
  • GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
  • GF Score™: 76/100 with 3 warning signs
  • Industry Position: 46% above the Banks median (#1180 of 1445)

No single metric tells the full story. See the CHIX:AVARDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Avarda Bank AB Business Description

Address PO Box 947, Boras, SWE, 50110
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score

Get the complete analysis for CHIX:AVARDS

PE Ratio without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr177.40
Price
kr135.51
GF Value