Analytikerkommentar
Aktia’s credit rating remained unchanged
Oversigt
- Aktia announced that S&P Global Ratings affirmed its 'A-/A-2' long- and short-term issuer credit ratings with a negative outlook.
- S&P revised downward the credit rating of Finland's banking sector, but Aktia's unchanged rating indicates a slight decline in credit risk due to resilient asset quality and improving earnings performance.
- The stable credit rating is crucial for Aktia's financing costs, despite the negative outlook caused by high turnover of key personnel in recent years.
- The analyst estimates that the next movement in Aktia's credit rating will likely be upward, returning to a neutral level.
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Translation: Original published in Finnish on 6/12/2026 at 7:44 am EEST.
Aktia announced on Thursday that the credit rating agency S&P Global Ratings had affirmed the company's 'A-/A-2' long- and short-term issuer credit ratings with a negative outlook.
At the same time, however, S&P revised downward the credit rating of Finland's banking sector as a whole, so Aktia's unchanged rating reflects a slight decline in credit risk in the rating agency's view. According to S&P, this is due to resilient asset quality, supported by collateralized lending, and improving earnings performance, which increases buffers against potential credit losses.
While the update does not have a material impact, a stable credit rating is important for the bank in terms of financing costs. The negative outlook stems from the high turnover of key personnel in recent years, so we estimate that the next movement in the credit rating will most likely be upward, back to a neutral level.
Aktia Pankki offers banking services. The company is a Nordic financial company and offers financial services, asset management, insurance, and real estate brokerage. A large part of the services are offered via the company's network services and are offered to both private and corporate customers in most sectors. The largest presence is in the Finnish market. The company is headquartered in Helsinki.
Læs mere på virksomhedssideKey Estimate Figures04.05
| 2025 | 26e | 27e | |
|---|---|---|---|
| Driftsindtjening | 295,8 | 286,0 | 307,8 |
| vækst-% | -4,2 % | -3,3 % | 7,6 % |
| EBIT (adj.) | 36,0 | 105,2 | 114,1 |
| EBIT-% (adj.) | 12,2 % | 36,8 % | 37,1 % |
| EPS (adj.) | 1,15 | 1,07 | 1,19 |
| Udbytte | 0,80 | 0,70 | 0,75 |
| Udbytte % | 6,5 % | 6,0 % | 6,4 % |
| P/E (adj.) | 10,8 | 10,9 | 9,8 |
| EV/EBITDA | 36,5 | 8,3 | 7,7 |
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