Afkomuspár AKKUR og verðmargfaldarar sem þær fela í sér fyrir hvert félag í umfjöllun, reiknaðir á markaðsverð með seinkun, við hlið birtrar einkunnar og markgengis. Markgengi og einkunn eru eins og þau voru birt; margfaldararnir og munurinn á markgengi eru reiknaðir á hvert verð og hreyfast með markaðnum.
This page is an investment recommendation. It shows AKKUR's target price for one or more securities together with the current market price and the resulting difference, and is subject to Regulation (EU) No 596/2014 and Commission Delegated Regulation (EU) 2016/958.
Target prices and ratings are fixed at the date of the valuation shown against each company and do not change between published valuations. Market prices update throughout the trading day. The difference between the two therefore moves continuously and is not itself a rating action. Full disclosures.
| Auðkenni | Félag | Verð | Markgengi AKKUR | Einkunn | Verð og markgengi | Framvirkur margfaldari | Vöxtur | Afkomuspár frá |
|---|---|---|---|---|---|---|---|---|
| ARION | Arion banki hf.Financials | ··· | 291,00Metið 24/11/2025 | BUY | ··· | —P/E 2027E · ekki komið á vefinn | — | — |
| EIK | Eik fasteignafélag hf.Real estate | ··· | 23,10Metið 26/05/2026 | BUY | ··· | ···EV/EBITDA 2027E | +1,9%EBITDA 2027E miðað við 2026E | 26/05/2026 |
| FESTI | Festi hf.Retail | ··· | 516,00Metið 18/02/2026 | BUY | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | 28/07/2026 |
| HAGA | Hagar hf.Retail | ··· | 165,00Metið 20/01/2026 | BUY | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | — |
| HEIMAR | Heimar hf.Real estate | ··· | 62,60Metið 13/02/2026 | BUY | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | — |
| ICEAIR | Icelandair Group hf.Airline | ··· | 1,67Metið 29/06/2026 | BUYSPEC | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | — |
| ISB | Íslandsbanki hf.Financials | ··· | 181,00Metið 24/11/2025 | BUY | ··· | ···P/E 2027E | -4,3%Hagnaður 2027E miðað við 2026E | 20/07/2026 |
| KVIKA | Kvika banki hf.Financials | ··· | 20,75Metið 24/11/2025 | BUY | ··· | —P/E 2027E · ekki komið á vefinn | — | — |
| NOVA | Nova klúbburinn hf.Telecom | ··· | 7,32Metið 03/06/2025 | BUY | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | — |
| REITIR | Reitir hf.Real estate | ··· | 175,00Metið 16/09/2025 | BUY | ··· | —EV/EBITDA 2027E · ekki komið á vefinn | — | — |
| SKAGI | Skagi hf.Financials | ··· | 27,70Metið 17/08/2026 | BUYSPEC | ··· | —P/E 2027E · ekki komið á vefinn | — | — |
Verð eru með 15 mínútna seinkun, í krónum, frá TradingView. Framvirki margfaldarinn er fyrsti margfaldarinn á síðu hvers félags, reiknaður á afkomuspá AKKUR fyrir síðasta spáárið sem þar er sýnt, við verðið við hliðina, og vöxturinn er sú afkomuspá miðað við árið á undan. Afkomuspárnar voru lesnar úr birtu gagnasafni AKKUR við síðustu uppfærslu gagna, 28/09/2026 kl. 10:49 GMT, og eru uppfærðar daglega; markgengi, einkunnir og dagsetningar þeirra eru lesin beint úr sama gagnasafni þegar það svarar. „Ekki komið á vefinn" þýðir að mat AKKUR fyrir þann lið og það ár hefur ekki verið fært inn á vefinn; birtu afkomuspárnar eru í greiningunum. Umfjöllunarsíðan sýnir sömu félög eftir geirum, og einkunnasíðan útskýrir einkunnakerfið og birtir alla skrá yfir ráðleggingar (á ensku).
Engin endurskoðun afkomuspár hefur enn verið skráð. Skráningin hófst á 3. ársfjórðungi 2026 og nær yfir hverja breytingu sem AKKUR gerir á birtum spálið, svo sem hagnaði eða EBITDA ársins, frá þeim tíma; margfaldari sem hreyfist með verðinu er ekki endurskoðun.
42 uppgjör borin saman við birta afkomuspá AKKUR, FY2024 til Q2 2026: niðurstöður hafa verið umfram afkomuspá oftar en undir, í 27 af 42, og dæmigert frávik er 5,9%. Allir liðir sem uppgjörsgreining birtir við hlið afkomuspár AKKUR eru skráðir, 241 liðir hjá 10 félögum. Ekkert uppgjör hefur enn verið metið fyrir SKAGI.
Einn aðalmælikvarði á hvert félag: kjarnahagnaður fyrir skatta hjá bönkunum, EBITDA hjá hinum. Frávikið er (niðurstaða - afkomuspá) / |afkomuspá|, jákvætt þegar niðurstaðan var umfram afkomuspá, og talan er miðgildi yfir uppgjör félagsins, aldrei meðaltal, svo einn ársfjórðungur á litlum grunni ræður henni ekki. Dæmigert frávik er miðgildi frávikanna án formerkis: hversu langt afkomuspáin var frá, í hvora áttina sem var. Miðgildi fráviks og fjöldi umfram afkomuspá segja til um í hvora áttina frávikin hallast, og sjö af sjö umfram afkomuspá getur þýtt að afkomuspár hafi verið varfærnar frekar en nákvæmar. Hlutfall af litlum grunni sveiflast mikið, svo sami munur er einnig sýndur sem hlutfall af tekjum tímabilsins þar sem greiningin birtir þær. Hagnaður: miðgildi fráviks +3,8% í 37 uppgjörum. Tekjur: miðgildi fráviks +1,8% í 22 uppgjörum, umfram afkomuspá í 16. Endurskoðanir á afkomuspá ársins sem kynntar voru í greiningunum: 10 upp, 4 niður.
| Auðkenni | Félag | Aðalmælikvarði | Uppgjör | Dæmigert frávik | Miðgildi fráviks | Sem % af tekjum | Umfram afkomuspá |
|---|---|---|---|---|---|---|---|
| ARION | Arion banki hf. | Core PBT | 7 | 6,0% | +6,0% | — | 7 af 7 |
| EIK | Eik fasteignafélag hf. | EBITDA | 1 | 2,7% | +2,7% | +1,7% | 1 af 1 |
| FESTI | Festi hf. | EBITDA | 3 | 1,9% | 0,0% | 0,0% | 2 af 3 |
| HAGA | Hagar hf. | EBITDA | 2 | 13,5% | +13,5% | +1,1% | 2 af 2 |
| HEIMAR | Heimar hf. | EBITDA | 2 | 1,3% | +1,3% | +0,9% | 2 af 2 |
| ICEAIR | Icelandair Group hf. | EBITDA | 5 | 29,4% | -25,0% | -1,2% | 1 af 5 |
| ISB | Íslandsbanki hf. | Core PBT | 7 | 11,0% | +4,2% | — | 4 af 7 |
| KVIKA | Kvika banki hf. | Core PBT | 6 | 10,3% | -2,9% | — | 3 af 6 |
| NOVA | Nova klúbburinn hf. | EBITDA | 5 | 10,4% | -10,4% | -1,9% | 2 af 5 |
| REITIR | Reitir hf. | EBITDA | 4 | 3,2% | +3,2% | +2,1% | 3 af 4 |
Hver liður sem uppgjörsgreiningin birti við hlið afkomuspár AKKUR, í uppgjörsmynt félagsins. Kjarnahagnaður banka fyrir skatta er hreinar vaxtatekjur, þóknanir og afkoma af tryggingum að frádregnum rekstrarkostnaði, fyrir virðisrýrnun, fjármunatekjur, bankaskatt og tekjuskatt, leiddur af þeim liðum; þar sem greiningin birtir liðinn sjálfan er hann sýndur eins og hann var birtur við hlið þess afleidda. Á kostnaðarlið er formerkinu snúið svo kostnaður undir afkomuspá telst jákvæður, enda umfram væntingar, og kostnaður yfir afkomuspá neikvæður.
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net interest income | 15.219 | 14.625 | +4,1% |
| Q2 2026 | Net fee and commission income | 3.987 | 3.992 | -0,1% |
| Q2 2026 | Operating expenses | -7.429 | -7.140 | -4,0% |
| Q2 2026 | Profit before tax | 11.254 | 10.779 | +4,4% |
| Q2 2026 | Core PBT as printed in the note | 12.432 | 12.031 | +3,3% |
| Q2 2026 | Core PBT aðal | 12.432 | 12.031 | +3,3% |
| Q2 2026 | Net profit | 8.050 | 7.605 | +5,9% |
| Q1 2026 | Net interest income | 16.303 | 14.959 | +9,0% |
| Q1 2026 | Net fee and commission income | 3.876 | 4.088 | -5,2% |
| Q1 2026 | Operating expenses | -7.456 | -7.279 | -2,4% |
| Q1 2026 | Profit before tax | 11.072 | 9.935 | +11,4% |
| Q1 2026 | Core PBT as printed in the note | 12.657 | 11.709 | +8,1% |
| Q1 2026 | Core PBT aðal | 12.657 | 11.710 | +8,1% |
| Q1 2026 | Net profit | 7.329 | 7.015 | +4,5% |
| Q4 2025 | Net interest income | 12.350 | 12.450 | -0,8% |
| Q4 2025 | Net fee and commission income | 4.055 | 4.259 | -4,8% |
| Q4 2025 | Operating expenses | -8.756 | -8.954 | +2,2% |
| Q4 2025 | Profit before tax | 8.044 | 7.422 | +8,4% |
| Q4 2025 | Core PBT as printed in the note | 8.095 | 7.640 | +6,0% |
| Q4 2025 | Core PBT aðal | 8.095 | 7.640 | +6,0% |
| Q4 2025 | Net profit | 6.224 | 5.699 | +9,2% |
| Q3 2025 | Net interest income | 13.826 | 12.789 | +8,1% |
| Q3 2025 | Net fee and commission income | 4.003 | 4.092 | -2,2% |
| Q3 2025 | Operating expenses | -6.194 | -6.122 | -1,2% |
| Q3 2025 | Profit before tax | 11.135 | 11.131 | 0,0% |
| Q3 2025 | Core PBT as printed in the note | 12.265 | 11.819 | +3,8% |
| Q3 2025 | Core PBT aðal | 12.265 | 11.819 | +3,8% |
| Q3 2025 | Net profit | 8.210 | 8.520 | -3,6% |
| Q2 2025 | Net interest income | 14.200 | 12.607 | +12,6% |
| Q2 2025 | Net fee and commission income | 4.553 | 4.275 | +6,5% |
| Q2 2025 | Operating expenses | -6.697 | -7.354 | +8,9% |
| Q2 2025 | Profit before tax | 14.251 | 9.113 | +56,4% |
| Q2 2025 | Core PBT as printed in the note | 13.122 | 10.736 | +22,2% |
| Q2 2025 | Core PBT aðal | 13.122 | 10.736 | +22,2% |
| Q2 2025 | Net profit | 10.256 | 6.530 | +57,1% |
| Q1 2025 | Net interest income | 12.166 | 11.744 | +3,6% |
| Q1 2025 | Net fee and commission income | 4.536 | 4.569 | -0,7% |
| Q1 2025 | Operating expenses | -6.601 | -6.973 | +5,3% |
| Q1 2025 | Profit before tax | 11.554 | 10.412 | +11,0% |
| Q1 2025 | Core PBT aðal | 10.070 | 9.135 | +10,2% |
| Q1 2025 | Net profit | 7.817 | 7.531 | +3,8% |
| FY2024 heilt ár | Net interest income | 46.302 | 46.124 | +0,4% |
| FY2024 heilt ár | Net fee and commission income | 15.360 | 15.953 | -3,7% |
| FY2024 heilt ár | Operating expenses | -28.328 | -28.345 | +0,1% |
| FY2024 heilt ár | Profit before tax | 35.068 | 32.900 | +6,6% |
| FY2024 heilt ár | Core PBT aðal | 35.500 | 35.234 | +0,8% |
| FY2024 heilt ár | Net profit | 26.112 | 24.376 | +7,1% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | 2.818 | 1.828 | +54,2% |
| Q2 2026 | Revenue | 3.640 | 3.652 | -0,3% |
| Q2 2026 | Net operating income | 2.569 | 2.516 | +2,1% |
| Q2 2026 | EBITDA aðal | 2.371 | 2.309 | +2,7% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | 1.299 | 1.271 | +2,2% |
| Q2 2026 | Revenue | 46.347 | 44.729 | +3,6% |
| Q2 2026 | Gross profit | 11.522 | 11.301 | +2,0% |
| Q2 2026 | EBITDA aðal | 3.908 | 3.836 | +1,9% |
| Q2 2026 | EBIT | 2.420 | 2.324 | +4,1% |
| Q1 2026 | Profit before tax | 271 | 897 | -69,8% |
| Q1 2026 | Net profit | 218 | 717 | -69,6% |
| Q1 2026 | Revenue | 40.061 | 37.152 | +7,8% |
| Q1 2026 | Gross profit | 9.747 | 10.000 | -2,5% |
| Q1 2026 | EBITDA aðal | 2.565 | 2.870 | -10,6% |
| Q1 2026 | EBIT | 1.080 | 1.447 | -25,4% |
| Q4 2025 | Profit before tax | 2.294 | 2.702 | -15,1% |
| Q4 2025 | Net profit | 1.870 | 2.059 | -9,2% |
| Q4 2025 | Revenue | 44.956 | 46.399 | -3,1% |
| Q4 2025 | Gross profit | 11.415 | 11.578 | -1,4% |
| Q4 2025 | EBITDA aðal | 4.255 | 4.253 | 0,0% |
| Q4 2025 | EBIT | 2.745 | 2.891 | -5,1% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q1 2026/27 | Net profit | 1.917 | 1.198 | +60,0% |
| Q1 2026/27 | Revenue | 50.785 | 49.272 | +3,1% |
| Q1 2026/27 | Gross profit | 13.281 | 12.318 | +7,8% |
| Q1 2026/27 | EBITDA aðal | 5.136 | 4.070 | +26,2% |
| Q1 2026/27 | EBIT | 3.272 | 2.364 | +38,4% |
| Q4 2025/26 | Profit before tax | 2.308 | 3.073 | -24,9% |
| Q4 2025/26 | Net profit | 1.981 | 2.438 | -18,7% |
| Q4 2025/26 | Revenue | 48.043 | 47.010 | +2,2% |
| Q4 2025/26 | Gross profit | 12.296 | 11.978 | +2,7% |
| Q4 2025/26 | EBITDA aðal | 4.032 | 3.997 | +0,9% |
| Q4 2025/26 | EBIT | 2.179 | 2.787 | -21,8% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | 2.301 | 1.255 | +83,3% |
| Q2 2026 | Revenue | 4.207 | 4.162 | +1,1% |
| Q2 2026 | Net operating income | 3.201 | 3.172 | +0,9% |
| Q2 2026 | EBITDA aðal | 2.977 | 2.943 | +1,2% |
| Q1 2026 | Profit before tax | 2.833 | 1.136 | +149,4% |
| Q1 2026 | Net profit | 2.266 | 908 | +149,6% |
| Q1 2026 | Revenue | 4.118 | 3.974 | +3,6% |
| Q1 2026 | Net operating income | 3.109 | 3.012 | +3,2% |
| Q1 2026 | EBITDA aðal | 2.854 | 2.813 | +1,5% |
| Q1 2026 | EBIT | 7.105 | 5.170 | +37,4% |
| Tímabil | Liður | Niðurstaða, USDm | Afkomuspá AKKUR, USDm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | -32,3 | -11,2 | -188,4% |
| Q2 2026 | Revenue | 496,2 | 486,2 | +2,1% |
| Q2 2026 | EBITDA aðal | 15,4 | 37,7 | -59,2% |
| Q2 2026 | EBIT | -29,6 | -10,3 | -187,4% |
| Q1 2026 | Profit before tax | -57,0 | -62,0 | +8,1% |
| Q1 2026 | Net profit | -45,0 | -49,0 | +8,2% |
| Q1 2026 | Revenue | 347,0 | 336,0 | +3,3% |
| Q1 2026 | EBITDA aðal | -12,0 | -17,0 | +29,4% |
| Q1 2026 | EBIT | -53,0 | -60,0 | +11,7% |
| Q4 2025 | Profit before tax | -40,0 | -28,0 | -42,9% |
| Q4 2025 | Net profit | -36,0 | -28,0 | -28,6% |
| Q4 2025 | Revenue | 406,0 | 395,0 | +2,8% |
| Q4 2025 | EBITDA aðal | 15,0 | 20,0 | -25,0% |
| Q4 2025 | EBIT | -30,0 | -25,0 | -20,0% |
| Q3 2025 | Profit before tax | 72,0 | 79,0 | -8,9% |
| Q3 2025 | Net profit | 57,0 | 63,0 | -9,5% |
| Q3 2025 | Revenue | 585,0 | 590,0 | -0,8% |
| Q3 2025 | EBITDA aðal | 121,0 | 127,0 | -4,7% |
| Q3 2025 | EBIT | 74,0 | 80,0 | -7,5% |
| Q2 2025 | Profit before tax | 7,0 | 23,0 | -69,6% |
| Q2 2025 | Net profit | 13,0 | 18,0 | -27,8% |
| Q2 2025 | Revenue | 463,0 | 469,0 | -1,3% |
| Q2 2025 | EBITDA aðal | 44,0 | 63,0 | -30,2% |
| Q2 2025 | EBIT | 1,0 | 25,0 | -96,0% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net interest income | 15.281 | 15.187 | +0,6% |
| Q2 2026 | Net fee and commission income | 3.258 | 3.223 | +1,1% |
| Q2 2026 | Operating expenses | -8.060 | -7.778 | -3,6% |
| Q2 2026 | Profit before tax | 9.651 | 9.235 | +4,5% |
| Q2 2026 | Core PBT as printed in the note | 10.479 | 10.632 | -1,4% |
| Q2 2026 | Core PBT aðal | 10.479 | 10.632 | -1,4% |
| Q2 2026 | Net profit | 7.069 | 6.524 | +8,4% |
| Q1 2026 | Net interest income | 17.100 | 14.943 | +14,4% |
| Q1 2026 | Net fee and commission income | 3.268 | 3.194 | +2,3% |
| Q1 2026 | Operating expenses | -7.830 | -7.643 | -2,4% |
| Q1 2026 | Profit before tax | 10.731 | 8.697 | +23,4% |
| Q1 2026 | Core PBT as printed in the note | 12.538 | 10.494 | +19,5% |
| Q1 2026 | Core PBT aðal | 12.538 | 10.494 | +19,5% |
| Q1 2026 | Net profit | 7.456 | 6.235 | +19,6% |
| Q4 2025 | Net interest income | 12.391 | 12.453 | -0,5% |
| Q4 2025 | Net fee and commission income | 4.183 | 3.221 | +29,9% |
| Q4 2025 | Operating expenses | -8.344 | -6.430 | -29,8% |
| Q4 2025 | Profit before tax | 7.629 | 8.504 | -10,3% |
| Q4 2025 | Core PBT as printed in the note | 8.230 | 9.244 | -11,0% |
| Q4 2025 | Core PBT aðal | 8.230 | 9.244 | -11,0% |
| Q4 2025 | Net profit | 5.947 | 6.589 | -9,7% |
| Q3 2025 | Net interest income | 13.260 | 12.919 | +2,6% |
| Q3 2025 | Net fee and commission income | 3.229 | 3.474 | -7,1% |
| Q3 2025 | Operating expenses | -6.479 | -6.783 | +4,5% |
| Q3 2025 | Profit before tax | 9.382 | 8.641 | +8,6% |
| Q3 2025 | Core PBT as printed in the note | 10.010 | 9.610 | +4,2% |
| Q3 2025 | Core PBT aðal | 10.010 | 9.610 | +4,2% |
| Q3 2025 | Net profit | 6.901 | 6.454 | +6,9% |
| Q2 2025 | Net interest income | 13.881 | 13.351 | +4,0% |
| Q2 2025 | Net fee and commission income | 3.620 | 3.245 | +11,6% |
| Q2 2025 | Operating expenses | -7.261 | -7.534 | +3,6% |
| Q2 2025 | Profit before tax | 10.356 | 7.762 | +33,4% |
| Q2 2025 | Core PBT as printed in the note | 10.240 | 9.062 | +13,0% |
| Q2 2025 | Core PBT aðal | 10.240 | 9.062 | +13,0% |
| Q2 2025 | Net profit | 7.192 | 5.959 | +20,7% |
| Q1 2025 | Net interest income | 12.939 | 11.775 | +9,9% |
| Q1 2025 | Net fee and commission income | 3.067 | 3.342 | -8,2% |
| Q1 2025 | Operating expenses | -7.396 | -7.398 | 0,0% |
| Q1 2025 | Profit before tax | 7.635 | 6.240 | +22,4% |
| Q1 2025 | Core PBT aðal | 8.610 | 7.719 | +11,5% |
| Q1 2025 | Net profit | 5.209 | 4.365 | +19,3% |
| FY2024 heilt ár | Net interest income | 47.265 | 47.308 | -0,1% |
| FY2024 heilt ár | Net fee and commission income | 13.122 | 14.446 | -9,2% |
| FY2024 heilt ár | Operating expenses | -28.098 | -29.148 | +3,6% |
| FY2024 heilt ár | Profit before tax | 33.585 | 32.638 | +2,9% |
| FY2024 heilt ár | Core PBT aðal | 32.289 | 32.606 | -1,0% |
| FY2024 heilt ár | Net profit | 24.246 | 23.813 | +1,8% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net interest income | 3.013 | 3.234 | -6,8% |
| Q2 2026 | Net fee and commission income | 1.416 | 1.439 | -1,6% |
| Q2 2026 | Operating expenses | -2.947 | -3.193 | +7,7% |
| Q2 2026 | Core PBT as printed in the note | 1.482 | 1.480 | +0,1% |
| Q2 2026 | Core PBT aðal | 1.482 | 1.480 | +0,1% |
| Q2 2026 | Net profit | 903 | 1.041 | -13,3% |
| Q1 2026 | Net interest income | 3.266 | 3.156 | +3,5% |
| Q1 2026 | Net fee and commission income | 1.486 | 1.536 | -3,3% |
| Q1 2026 | Operating expenses | -3.014 | -3.268 | +7,8% |
| Q1 2026 | Profit before tax | 1.722 | 1.131 | +52,3% |
| Q1 2026 | Core PBT as printed in the note | 1.738 | 1.424 | +22,1% |
| Q1 2026 | Core PBT aðal | 1.738 | 1.424 | +22,1% |
| Q4 2025 | Net interest income | 3.065 | 2.911 | +5,3% |
| Q4 2025 | Net fee and commission income | 1.265 | 1.590 | -20,4% |
| Q4 2025 | Operating expenses | -3.263 | -3.250 | -0,4% |
| Q4 2025 | Profit before tax | 1.455 | 1.327 | +9,6% |
| Q4 2025 | Core PBT as printed in the note | 1.067 | 1.251 | -14,7% |
| Q4 2025 | Core PBT aðal | 1.067 | 1.251 | -14,7% |
| Q3 2025 | Net interest income | 2.953 | 3.005 | -1,7% |
| Q3 2025 | Net fee and commission income | 1.571 | 1.588 | -1,1% |
| Q3 2025 | Operating expenses | -2.740 | -2.501 | -9,6% |
| Q3 2025 | Profit before tax | 1.969 | 2.077 | -5,2% |
| Q3 2025 | Core PBT as printed in the note | 1.784 | 2.092 | -14,7% |
| Q3 2025 | Core PBT aðal | 1.784 | 2.092 | -14,7% |
| Q2 2025 | Net interest income | 2.962 | 3.270 | -9,4% |
| Q2 2025 | Net fee and commission income | 1.935 | 1.615 | +19,8% |
| Q2 2025 | Operating expenses | -2.981 | -3.048 | +2,2% |
| Q2 2025 | Profit before tax | 2.025 | 1.780 | +13,8% |
| Q2 2025 | Core PBT as printed in the note | 1.916 | 1.837 | +4,3% |
| Q2 2025 | Core PBT aðal | 1.916 | 1.837 | +4,3% |
| Q1 2025 | Net interest income | 2.917 | 2.695 | +8,2% |
| Q1 2025 | Net fee and commission income | 1.520 | 1.470 | +3,4% |
| Q1 2025 | Operating expenses | -3.090 | -2.734 | -13,0% |
| Q1 2025 | Profit before tax | 701 | 1.150 | -39,0% |
| Q1 2025 | Core PBT aðal | 1.347 | 1.431 | -5,9% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | 33 | 208 | -84,1% |
| Q2 2026 | Revenue | 4.192 | 3.907 | +7,3% |
| Q2 2026 | EBITDA aðal | 701 | 782 | -10,4% |
| Q2 2026 | EBIT | 286 | 417 | -31,4% |
| Q1 2026 | Profit before tax | 128 | 333 | -61,6% |
| Q1 2026 | Net profit | 109 | 266 | -59,0% |
| Q1 2026 | Revenue | 3.231 | 3.288 | -1,7% |
| Q1 2026 | EBITDA aðal | 649 | 779 | -16,7% |
| Q1 2026 | EBIT | 284 | 508 | -44,1% |
| Q4 2025 | Profit before tax | 365 | 215 | +69,8% |
| Q4 2025 | Net profit | 242 | 171 | +41,5% |
| Q4 2025 | Revenue | 4.033 | 3.557 | +13,4% |
| Q4 2025 | EBITDA aðal | 1.103 | 1.016 | +8,6% |
| Q4 2025 | EBIT | 479 | 353 | +35,7% |
| Q3 2025 | Profit before tax | 285 | 441 | -35,4% |
| Q3 2025 | Net profit | 228 | 353 | -35,4% |
| Q3 2025 | Revenue | 3.514 | 3.527 | -0,4% |
| Q3 2025 | EBITDA aðal | 1.110 | 1.283 | -13,5% |
| Q3 2025 | EBIT | 517 | 696 | -25,7% |
| Q2 2025 | Profit before tax | 189 | 234 | -19,2% |
| Q2 2025 | Net profit | 149 | 187 | -20,3% |
| Q2 2025 | Revenue | 3.428 | 3.376 | +1,5% |
| Q2 2025 | EBITDA aðal | 1.054 | 996 | +5,8% |
| Q2 2025 | EBIT | 447 | 457 | -2,2% |
| Tímabil | Liður | Niðurstaða, ISKm | Afkomuspá AKKUR, ISKm | Frávik |
|---|---|---|---|---|
| Q2 2026 | Net profit | 708 | 1.202 | -41,1% |
| Q2 2026 | Revenue | 5.072 | 4.849 | +4,6% |
| Q2 2026 | Net operating income | 3.678 | 3.506 | +4,9% |
| Q2 2026 | EBITDA aðal | 3.380 | 3.215 | +5,1% |
| Q1 2026 | Profit before tax | 1.116 | 1.350 | -17,3% |
| Q1 2026 | Net profit | 858 | 1.080 | -20,6% |
| Q1 2026 | Revenue | 4.811 | 4.736 | +1,6% |
| Q1 2026 | Net operating income | 3.488 | 3.386 | +3,0% |
| Q1 2026 | EBITDA aðal | 3.212 | 3.135 | +2,5% |
| Q1 2026 | EBIT | 6.053 | 5.657 | +7,0% |
| Q4 2025 | Profit before tax | 6.780 | 2.752 | +146,4% |
| Q4 2025 | Net profit | 5.318 | 2.202 | +141,5% |
| Q4 2025 | Revenue | 4.814 | 4.789 | +0,5% |
| Q4 2025 | Net operating income | 3.632 | 3.515 | +3,3% |
| Q4 2025 | EBITDA aðal | 3.343 | 3.215 | +4,0% |
| Q4 2025 | EBIT | 8.159 | 4.756 | +71,6% |
| Q3 2025 | Profit before tax | 3.661 | 1.197 | +205,8% |
| Q3 2025 | Net profit | 2.994 | 958 | +212,5% |
| Q3 2025 | Revenue | 4.627 | 4.625 | 0,0% |
| Q3 2025 | Net operating income | 3.389 | 3.377 | +0,4% |
| Q3 2025 | EBITDA aðal | 3.095 | 3.107 | -0,4% |
| Q3 2025 | EBIT | 6.288 | 4.107 | +53,1% |
Tölur eru eins og þær birtust í uppgjörsgreiningum AKKUR við birtingu og eru ekki leiðréttar þótt félag endurskoði tölu síðar; greiningar fyrir júní 2026 voru lesnar úr birtum töflum þeirra. Uppgjör er metið á aðalmælikvarða félagsins aðeins þar sem greiningin birti báðar tölurnar. Ekkert hér er ráðlegging, og uppgjör umfram afkomuspá ársfjórðungs segir ekkert um langtímaforsendurnar sem vega þyngst í verðmati.
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