Avarda Bank AB (CHIX:AVARDS) ROE % Adjusted to Book Value: 8.70% (As of Mar. 2026)


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 ROE % Adjusted to Book Value?

Avarda Bank AB CHIX:AVARDS 76 ROE % Adjusted to Book Value is 8.70% as of Mar. 2026. 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.

Avarda Bank AB's ROE % for the quarter that ended in Mar. 2026 was 24.87%. Avarda Bank AB's PB Ratio for the quarter that ended in Mar. 2026 was 2.86. Avarda Bank AB's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 8.70%.

Avarda Bank AB ROE % Adjusted to Book Value Related Terms

Avarda Bank AB ROE % Adjusted to Book Value Historical Data

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The historical data trend for Avarda Bank AB's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Avarda Bank AB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.32 12.28 13.57 21.91 6.75

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
ROE % Adjusted to Book Value 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 18.44 18.77 22.90 7.25 8.70

CHIX:AVARDS vs PNC, USB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Avarda Bank AB's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Avarda Bank AB's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Avarda Bank AB's ROE % Adjusted to Book Value falls into.


CHIX:AVARDS
76GF Score
Avarda Bank AB CHIX:AVARDS
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Avarda Bank AB ROE % Adjusted to Book Value Calculation

Avarda Bank AB's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=22.01% / 3.26
=6.75%

Avarda Bank AB's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=24.87% / 2.86
=8.70%

* 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.

What does a ROE % Adjusted to Book Value of 8.70% mean?
Avarda Bank AB (CHIX:AVARDS) has a ROE % Adjusted to Book Value of 8.70% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Avarda Bank AB and its competitors.
Is Avarda Bank AB's ROE % Adjusted to Book Value too high?
Avarda Bank AB's current ROE % Adjusted to Book Value is 8.70%. 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 ROE % Adjusted to Book Value compare to PNC and USB?
Avarda Bank AB's ROE % Adjusted to Book Value of 8.70% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Avarda Bank AB and its competitors. Avarda Bank AB's current ROE % Adjusted to Book Value is 8.70%. 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 ROE % Adjusted to Book Value is 8.70%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Avarda Bank AB (CHIX:AVARDS), the current ROE % Adjusted to Book Value is 8.70% as of Mar. 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:

  • ROE % Adjusted to Book Value: 8.70%
  • GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
  • GF Score™: 76/100 with 3 warning signs

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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr177.40
Price
kr135.51
GF Value