Swedbank AB (publ) Logo

Swedbank AB (publ)

SWDBY

(3.0)
Stock Price

19,60 USD

1.13% ROA

17.38% ROE

6.74x PER

Market Cap.

232.321.979.001,91 USD

537.18% DER

7.4% Yield

24.64% NPM

Swedbank AB (publ) Stock Analysis

Swedbank AB (publ) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Swedbank AB (publ) Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.95%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 ROA

The stock's ROA (1.09%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.07x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

9 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (486) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (512%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Swedbank AB (publ) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Swedbank AB (publ) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Swedbank AB (publ) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Swedbank AB (publ) Revenue
Year Revenue Growth
2005 26.916.000.000
2006 28.944.000.000 7.01%
2007 32.500.000.000 10.94%
2008 34.646.000.000 6.19%
2009 33.817.000.000 -2.45%
2010 30.319.000.000 -11.54%
2011 31.871.000.000 4.87%
2012 35.721.000.000 10.78%
2013 35.840.000.000 0.33%
2014 37.749.000.000 5.06%
2015 36.711.000.000 -2.83%
2016 39.012.000.000 5.9%
2017 40.298.000.000 3.19%
2018 42.506.000.000 5.19%
2019 45.072.000.000 5.69%
2020 45.091.000.000 0.04%
2021 45.914.000.000 1.79%
2022 52.481.000.000 12.51%
2023 72.816.000.000 27.93%
2023 72.254.000.000 -0.78%
2024 162.252.000.000 55.47%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Swedbank AB (publ) Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Swedbank AB (publ) General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 5.362.000.000
2006 5.920.000.000 9.43%
2007 4.426.000.000 -33.76%
2008 4.956.000.000 10.69%
2009 5.483.000.000 9.61%
2010 5.218.000.000 -5.08%
2011 4.785.000.000 -9.05%
2012 4.574.000.000 -4.61%
2013 4.358.000.000 -4.96%
2014 4.722.000.000 7.71%
2015 4.641.000.000 -1.75%
2016 4.889.000.000 5.07%
2017 4.326.000.000 -13.01%
2018 4.315.000.000 -0.25%
2019 6.235.000.000 30.79%
2020 6.123.000.000 -1.83%
2021 5.590.000.000 -9.53%
2022 5.698.000.000 1.9%
2023 5.828.000.000 2.23%
2023 6.452.000.000 9.67%
2024 7.424.000.000 13.09%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Swedbank AB (publ) EBITDA
Year EBITDA Growth
2005 33.928.000.000
2006 38.654.000.000 12.23%
2007 64.081.000.000 39.68%
2008 72.205.000.000 11.25%
2009 26.676.000.000 -170.67%
2010 40.639.000.000 34.36%
2011 53.078.000.000 23.44%
2012 51.644.000.000 -2.78%
2013 43.779.000.000 -17.97%
2014 43.453.000.000 -0.75%
2015 39.026.000.000 -11.34%
2016 40.460.000.000 3.54%
2017 41.919.000.000 3.48%
2018 36.233.000.000 -15.69%
2019 26.044.000.000 -39.12%
2020 18.360.000.000 -41.85%
2021 27.503.000.000 33.24%
2022 42.303.000.000 34.99%
2023 47.712.000.000 11.34%
2023 45.540.000.000 -4.77%
2024 -128.000.000 35678.13%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Swedbank AB (publ) Gross Profit
Year Gross Profit Growth
2005 26.916.000.000
2006 28.944.000.000 7.01%
2007 32.500.000.000 10.94%
2008 34.646.000.000 6.19%
2009 33.817.000.000 -2.45%
2010 30.319.000.000 -11.54%
2011 31.871.000.000 4.87%
2012 35.721.000.000 10.78%
2013 35.840.000.000 0.33%
2014 37.749.000.000 5.06%
2015 36.711.000.000 -2.83%
2016 39.012.000.000 5.9%
2017 40.298.000.000 3.19%
2018 42.506.000.000 5.19%
2019 45.072.000.000 5.69%
2020 45.091.000.000 0.04%
2021 45.914.000.000 1.79%
2022 52.481.000.000 12.51%
2023 72.816.000.000 27.93%
2023 72.254.000.000 -0.78%
2024 162.252.000.000 55.47%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Swedbank AB (publ) Net Profit
Year Net Profit Growth
2005 11.879.000.000
2006 10.880.000.000 -9.18%
2007 11.996.000.000 9.3%
2008 10.887.000.000 -10.19%
2009 -10.511.000.000 203.58%
2010 7.444.000.000 241.2%
2011 10.749.000.000 30.75%
2012 13.300.000.000 19.18%
2013 11.179.000.000 -18.97%
2014 16.447.000.000 32.03%
2015 15.727.000.000 -4.58%
2016 19.539.000.000 19.51%
2017 19.350.000.000 -0.98%
2018 21.162.000.000 8.56%
2019 19.697.000.000 -7.44%
2020 12.929.000.000 -52.35%
2021 20.871.000.000 38.05%
2022 21.365.000.000 2.31%
2023 36.492.000.000 41.45%
2023 34.128.000.000 -6.93%
2024 34.380.000.000 0.73%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Swedbank AB (publ) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 19
2006 17 -11.76%
2007 18 5.56%
2008 17 -12.5%
2009 -11 260%
2010 6 266.67%
2011 10 33.33%
2012 12 25%
2013 10 -20%
2014 15 28.57%
2015 14 0%
2016 18 17.65%
2017 17 0%
2018 19 5.56%
2019 18 -5.88%
2020 12 -54.55%
2021 19 38.89%
2022 19 5.26%
2023 32 40.63%
2023 30 -6.67%
2024 31 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Swedbank AB (publ) Free Cashflow
Year Free Cashflow Growth
2005 -63.357.000.000
2006 -59.814.000.000 -5.92%
2007 -81.699.000.000 26.79%
2008 45.031.000.000 281.43%
2009 -62.579.000.000 171.96%
2010 -16.273.000.000 -284.56%
2011 76.189.000.000 121.36%
2012 -9.923.000.000 867.8%
2013 -27.185.000.000 63.5%
2014 7.819.000.000 447.68%
2015 66.857.000.000 88.3%
2016 -54.096.000.000 223.59%
2017 57.844.000.000 193.52%
2018 11.813.000.000 -389.66%
2019 -2.817.000.000 519.35%
2020 108.873.000.000 102.59%
2021 49.156.000.000 -121.48%
2022 -18.983.000.000 358.95%
2023 -77.306.000.000 75.44%
2023 -146.000.000.000 47.05%
2024 -9.977.000.000 -1363.37%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Swedbank AB (publ) Operating Cashflow
Year Operating Cashflow Growth
2005 -44.719.000.000
2006 -58.747.000.000 23.88%
2007 -75.085.000.000 21.76%
2008 46.953.000.000 259.92%
2009 -61.828.000.000 175.94%
2010 -13.862.000.000 -346.03%
2011 80.585.000.000 117.2%
2012 -8.081.000.000 1097.22%
2013 -26.350.000.000 69.33%
2014 8.930.000.000 395.07%
2015 70.932.000.000 87.41%
2016 -53.645.000.000 232.22%
2017 58.348.000.000 191.94%
2018 27.134.000.000 -115.04%
2019 -2.593.000.000 1146.43%
2020 109.237.000.000 102.37%
2021 49.409.000.000 -121.09%
2022 -18.620.000.000 365.35%
2023 -77.092.000.000 75.85%
2023 -145.148.000.000 46.89%
2024 -9.815.000.000 -1378.84%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Swedbank AB (publ) Capital Expenditure
Year Capital Expenditure Growth
2005 18.638.000.000
2006 1.067.000.000 -1646.77%
2007 6.614.000.000 83.87%
2008 1.922.000.000 -244.12%
2009 751.000.000 -155.93%
2010 2.411.000.000 68.85%
2011 4.396.000.000 45.15%
2012 1.842.000.000 -138.65%
2013 835.000.000 -120.6%
2014 1.111.000.000 24.84%
2015 4.075.000.000 72.74%
2016 451.000.000 -803.55%
2017 504.000.000 10.52%
2018 15.321.000.000 96.71%
2019 224.000.000 -6739.73%
2020 364.000.000 38.46%
2021 253.000.000 -43.87%
2022 363.000.000 30.3%
2023 214.000.000 -69.63%
2023 852.000.000 74.88%
2024 162.000.000 -425.93%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Swedbank AB (publ) Equity
Year Equity Growth
2005 53.869.000.000
2006 60.277.000.000 10.63%
2007 68.323.000.000 11.78%
2008 86.462.000.000 20.98%
2009 89.974.000.000 3.9%
2010 95.035.000.000 5.33%
2011 98.133.000.000 3.16%
2012 106.224.000.000 7.62%
2013 109.705.000.000 3.17%
2014 117.373.000.000 6.53%
2015 123.342.000.000 4.84%
2016 129.705.000.000 4.91%
2017 133.572.000.000 2.9%
2018 137.609.000.000 2.93%
2019 138.633.000.000 0.74%
2020 155.193.000.000 10.67%
2021 161.696.000.000 4.02%
2022 176.093.000.000 8.18%
2023 198.790.000.000 11.42%
2023 192.973.000.000 -3.01%
2024 199.643.000.000 3.34%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Swedbank AB (publ) Assets
Year Assets Growth
2005 1.197.283.000.000
2006 1.352.989.000.000 11.51%
2007 1.607.984.000.000 15.86%
2008 1.811.690.000.000 11.24%
2009 1.794.687.000.000 -0.95%
2010 1.715.681.000.000 -4.6%
2011 1.857.065.000.000 7.61%
2012 1.846.941.000.000 -0.55%
2013 1.820.807.000.000 -1.44%
2014 2.121.297.000.000 14.17%
2015 2.148.855.000.000 1.28%
2016 2.154.203.000.000 0.25%
2017 2.212.636.000.000 2.64%
2018 2.246.092.000.000 1.49%
2019 2.408.228.000.000 6.73%
2020 2.594.642.000.000 7.18%
2021 2.750.617.000.000 5.67%
2022 2.854.876.000.000 3.65%
2023 2.855.519.000.000 0.02%
2023 3.018.363.000.000 5.4%
2024 3.067.911.000.000 1.62%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Swedbank AB (publ) Liabilities
Year Liabilities Growth
2005 1.143.414.000.000
2006 1.292.712.000.000 11.55%
2007 1.539.661.000.000 16.04%
2008 1.725.228.000.000 10.76%
2009 1.704.713.000.000 -1.2%
2010 1.620.646.000.000 -5.19%
2011 1.758.932.000.000 7.86%
2012 1.740.717.000.000 -1.05%
2013 1.711.102.000.000 -1.73%
2014 2.003.924.000.000 14.61%
2015 2.025.513.000.000 1.07%
2016 2.024.498.000.000 -0.05%
2017 2.079.064.000.000 2.62%
2018 2.108.483.000.000 1.4%
2019 2.269.595.000.000 7.1%
2020 770.218.000.000 -194.67%
2021 806.112.000.000 4.45%
2022 2.678.783.000.000 69.91%
2023 866.217.000.000 -209.25%
2023 988.043.000.000 12.33%
2024 2.868.268.000.000 65.55%

Swedbank AB (publ) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
105
Net Income per Share
30.63
Price to Earning Ratio
6.74x
Price To Sales Ratio
1.97x
POCF Ratio
-5.29
PFCF Ratio
-5.22
Price to Book Ratio
1.16
EV to Sales
8.36
EV Over EBITDA
40.99
EV to Operating CashFlow
-22.48
EV to FreeCashFlow
-22.17
Earnings Yield
0.15
FreeCashFlow Yield
-0.19
Market Cap
232,32 Bil.
Enterprise Value
987,72 Bil.
Graham Number
349.64
Graham NetNet
-2267.29

Income Statement Metrics

Net Income per Share
30.63
Income Quality
-1.11
ROE
0.18
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.78
EBT Per Ebit
0.99
Ebit per Revenue
0.32
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.32
Pretax Profit Margin
0.31
Net Profit Margin
0.25

Dividends

Dividend Yield
0.07
Dividend Yield %
7.4
Payout Ratio
0.49
Dividend Per Share
1.48

Operating Metrics

Operating Cashflow per Share
-39.05
Free CashFlow per Share
-39.58
Capex to Operating CashFlow
-0.01
Capex to Revenue
0.01
Capex to Depreciation
0.3
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.54

Balance Sheet

Cash per Share
281,60
Book Value per Share
177,41
Tangible Book Value per Share
158.79
Shareholders Equity per Share
177.39
Interest Debt per Share
1015.9
Debt to Equity
5.37
Debt to Assets
0.35
Net Debt to EBITDA
31.35
Current Ratio
1.33
Tangible Asset Value
178,68 Bil.
Net Current Asset Value
-2.340,88 Bil.
Invested Capital
152354000000
Working Capital
131,39 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.62

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Swedbank AB (publ) Dividends
Year Dividends Growth
2008 0
2009 3 100%
2011 0 0%
2012 1 0%
2013 2 100%
2014 2 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 2 0%
2020 1 0%
2021 2 100%
2022 1 0%
2023 1 0%
2024 1 100%

Swedbank AB (publ) Profile

About Swedbank AB (publ)

Swedbank AB (publ) provides various banking products and services to individuals and companies. The company operates through Swedish Banking, Baltic Banking, and Large Corporates & Institutions segments. It offers savings accounts, mutual funds and insurance savings, pension savings, institutional asset management, and other savings and investment products; private residential lending, consumer financing, corporate lending, leasing, other financing products, trade finance, and factoring services; and current accounts, cash handling, debit and credit cards, card acquiring, other payment products, as well as domestic, international, mobile, and document payments. The company also provides equity trading, structured products, corporate finance, custody services, fixed income and currency trading, and other capital market products; and administrative services, treasury operations, real estate brokerage and management, legal services, safe deposit boxes, and others. In addition, it offers asset management, as well as life insurance and pension services; investment and trading services, including currency, fixed income, and equity and related derivatives services, as well as structured products; advisory and investment banking products and services, such as corporate financing, debt capital market, leveraged finance, and loans and syndication; and transaction banking services comprising cash management, trade finance, securities, commercial payments, account, and clearing and settlement services. Further, the company provides telephone, Internet, and mobile banking services. The company operates 153 branches in Sweden, 17 branches in Estonia, 21 in Latvia, and 42 in Lithuania. It also has operations in Norway, Finland, Denmark, China, the United States, and South Africa. The company was formerly known as ForeningsSparbanken AB and changed its name to Swedbank AB (publ) in September 2006. Swedbank AB (publ) was founded in 1820 and is headquartered in Sundbyberg, Sweden.

CEO
Mr. Jens Henriksson
Employee
17.398
Address
Landsvägen 40
Sundbyberg, 172 63

Swedbank AB (publ) Executives & BODs

Swedbank AB (publ) Executives & BODs
# Name Age
1 Mr. Erik Ljungberg
Head of Group Brand, Communications & Sustainability
70
2 Ms. Carina Strand
Head of Group HR & Infrastructure
70
3 Mr. Bo Bengtsson
Head of Large Corporates & Institutions
70
4 Ms. Annie Ho
Head of Investor Relations
70
5 Ms. Britta Hjorth-Larsen
Chief Compliance Officer and Head of Group Compliance
70
6 Mr. Jon Henrik Lidefelt
Chief Financial Officer
70
7 Mr. Tomas Hedberg
Deputy President & Deputy Chief Executive Officer
70
8 Mr. Jens Henriksson
President & Chief Executive Officer
70
9 Ms. Lotta Loven
Chief Information Officer and Head of Group Channels & Technologies
70
10 Ms. Charlotte Rydin
Chief Legal Officer & Head of Group Legal
70

Swedbank AB (publ) Competitors