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Swedbank AB (publ) provides banking products and services to private and corporate customers in Sweden, Estonia, Latvia, Lithuania, Norway, the United States, Finland, Denmark, Luxembourg, and China. It operates through Swedish Banking; Baltic Banking; Corporates and Institutions; and Premium and Private Banking segments. The company offers saving and investment solutions, such as savings accounts, mutual funds and insurance savings, pension savings, institutional asset management, and other savings and investment products; financing solutions, including private residential lending, consumer financing, corporate lending, leasing, and other financing products, as well as trade finance and factoring services; and payment and card services, which include current accounts, cash management, cash handling, debit and credit cards, and card acquiring, as well as domestic, international, mobile, document, and other payment products. It also provides trading and capital market products, such as equity trading, structured products, corporate finance, custody services, fixed income and currency trading, and other capital market products; other services, including administrative services, treasury operations, real estate brokerage and management services, legal services, and safe deposit boxes; and private banking services. In addition, the company offers pension insurance and plans, endowment insurance, and personal insurance products; mortgage lending; mortgage lending; advisory services and investment banking; and transaction banking services comprising cash management, securities, account, and clearing and settlement services, as well as Internet and mobile banking services. 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Swedbank AB is a Swedish retail and corporate bank serving households and businesses in Sweden and the Baltic countries with deposits, mortgages, payments, asset management and corporate lending. Long-term growth could be supported by scale in retail deposits and mortgages, digital platform adoption and fee-based services, and the bank's domestic market share may support relatively stable earnings.
Material risks include regulatory and legal exposure from past anti-money‑laundering failures, concentration in Swedish mortgage lending that raises credit and housing-market sensitivity, and competitive or interest-rate pressures that could compress margins.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 41255.00M | 44187.00M | 43622.00M | 27358.00M | 25817.00M |
| Minority interest | 4.00M | 3.00M | -2.00M | -3.00M | -1.00M |
| Net income | 32763.00M | 34869.00M | 34128.00M | 21877.00M | 20871.00M |
| Selling general administrative | 8159.00M | 7274.00M | 6452.00M | 5698.00M | 5590.00M |
| Selling and marketing expenses | - | 445.00M | 323.00M | 246.00M | 301.00M |
| Gross profit | 69488.00M | 73332.00M | 72254.00M | 52481.00M | 45914.00M |
| Reconciled depreciation | 2225.00M | 2171.00M | 1920.00M | 2820.00M | 1631.00M |
| Ebit | 41255.00M | 44976.00M | 43622.00M | 27355.00M | 25816.00M |
| Ebitda | 43480.00M | 47147.00M | 45629.00M | 30175.00M | 27503.00M |
| Depreciation and amortization | 2225.00M | 2171.00M | 2007.00M | 2820.00M | 1687.00M |
| Operating income | 41255.00M | 44002.00M | 43622.00M | 27355.00M | 25816.00M |
| Other operating expenses | 74681.00M | 100062.00M | 87521.00M | 23247.00M | 20847.00M |
| Interest expense | 46448.00M | 70732.00M | 58889.00M | 13253.00M | 3748.00M |
| Tax provision | 8496.00M | 9320.00M | 9492.00M | 5478.00M | 4945.00M |
| Interest income | 92340.00M | 118375.00M | 108744.00M | 47509.00M | 30302.00M |
| Net interest income | 45892.00M | 47643.00M | 49855.00M | 34256.00M | 26554.00M |
| Income tax expense | 8496.00M | 9320.00M | 9492.00M | 5478.00M | 4945.00M |
| Total revenue | 115936.00M | 144064.00M | 131143.00M | 52481.00M | 45914.00M |
| Total operating expenses | 28233.00M | 29330.00M | 28632.00M | 23247.00M | 20847.00M |
| Cost of revenue | 46448.00M | 70732.00M | 58889.00M | - | - |
| Total other income expense net | - | 185.00M | -3800.00M | 3.00M | 1.00M |
| Net income from continuing ops | 32759.00M | 34866.00M | 34130.00M | 21880.00M | 20872.00M |
| Net income applicable to common shares | - | - | - | 21877.00M | 20871.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 3062782.00M | 3009697.00M | 2855519.00M | 2854876.00M | 2750617.00M |
| Intangible assets | 7588.00M | 6696.00M | 6654.00M | 6112.00M | 5987.00M |
| Other current assets | - | 2239.00M | 2120.00M | 16.00M | 25.00M |
| Total liab | 2836955.00M | 2790795.00M | 2656729.00M | 881361.00M | 806112.00M |
| Total stockholder equity | 225802.00M | 218874.00M | 198760.00M | 176064.00M | 161670.00M |
| Other current liab | 1385794.00M | 1355760.00M | 1298553.00M | 120662.00M | 140244.00M |
| Common stock | 24904.00M | 24904.00M | 24904.00M | 24904.00M | 24904.00M |
| Capital stock | 24904.00M | 24904.00M | 24904.00M | 24904.00M | 24904.00M |
| Retained earnings | 180821.00M | 128426.00M | 114249.00M | 92896.00M | 81634.00M |
| Other liab | - | - | - | 231073.00M | 252695.00M |
| Good will | 15073.00M | 14175.00M | 13786.00M | 13774.00M | 13501.00M |
| Other assets | - | 3009697.00M | -316104.00M | 2199531.00M | 2079101.00M |
| Cash | 263628.00M | 325604.00M | 252994.00M | 365992.00M | 360153.00M |
| Total current liabilities | 1385794.00M | 1358957.00M | 1302425.00M | 1885158.00M | 1680341.00M |
| Current deferred revenue | - | - | 1954.00M | - | - |
| Net debt | 646299.00M | 597500.00M | 620637.00M | 515369.00M | 445959.00M |
| Short term debt | - | - | 376078.00M | - | - |
| Short long term debt total | 909927.00M | 923104.00M | 873631.00M | 881361.00M | 806112.00M |
| Other stockholder equity | 20077.00M | 65544.00M | 59607.00M | 58264.00M | 55132.00M |
| Property plant equipment | - | - | - | 5433.00M | 5498.00M |
| Total current assets | 263628.00M | 328407.00M | 255573.00M | 366435.00M | 360648.00M |
| Long term investments | 284239.00M | 320306.00M | 311126.00M | 263575.00M | 281582.00M |
| Net tangible assets | - | - | - | 156178.00M | 142182.00M |
| Net receivables | - | 564.00M | 459.00M | 443.00M | 495.00M |
| Inventory | - | - | -526460.00M | 29.00M | 28.00M |
| Accounts payable | - | - | 2493.00M | 1298277.00M | 1260695.00M |
| Accumulated other comprehensive income | - | 4382.00M | 3618.00M | - | - |
| Non currrent assets other | 821437.00M | 923256.00M | 806017.00M | -288910.00M | -310868.00M |
| Non current assets total | 2799154.00M | 2681290.00M | 2599946.00M | 288910.00M | 310868.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -147.00M | -536.00M | 691.00M | 536.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -3671.00M | -147.00M | -418.00M | 691.00M | 628.00M |
| Net borrowings | 18346.00M | 5311.00M | 43938.00M | 22647.00M | 30461.00M |
| Total cash from financing activities | -1427.00M | -12645.00M | 32175.00M | 10015.00M | 14151.00M |
| Change to operating activities | - | - | - | -72804.00M | -60893.00M |
| Net income | 41255.00M | 44187.00M | 34128.00M | 27358.00M | 25817.00M |
| Change in cash | -61976.00M | 72610.00M | -112998.00M | 5839.00M | 66342.00M |
| Begin period cash flow | 325604.00M | 252994.00M | 365992.00M | 360153.00M | 293811.00M |
| End period cash flow | 263628.00M | 325604.00M | 252994.00M | 365992.00M | 360153.00M |
| Total cash from operating activities | -46342.00M | 80817.00M | -145148.00M | -18620.00M | 49409.00M |
| Depreciation | 2225.00M | 2960.00M | 1920.00M | 2820.00M | 1687.00M |
| Other cashflows from investing activities | 290.00M | 500.00M | 487.00M | - | 587.00M |
| Dividends paid | 24392.00M | 17048.00M | 10964.00M | -12632.00M | -16310.00M |
| Other cashflows from financing activities | 4619.00M | -908.00M | -799.00M | 35565.00M | 31078.00M |
| Change to netincome | - | - | - | 2049.00M | -4026.00M |
| Capital expenditures | 490.00M | 407.00M | 852.00M | 363.00M | 253.00M |
| Change in working capital | -77258.00M | 49321.00M | -181375.00M | -44241.00M | 30933.00M |
| Stock based compensation | 438.00M | 410.00M | 284.00M | 174.00M | 195.00M |
| Other non cash items | -10339.00M | -12691.00M | 179.00M | -4731.00M | -9223.00M |
| Free cash flow | -46832.00M | 80410.00M | -146000.00M | -18983.00M | 49156.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SWDBF Swedbank AB (publ) |
- -% |
42.02 | 13.84 | 13.40 | 6.27 | 2.07 | 21.22 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.76 0.34% |
219.92 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.62 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.28 0.82% |
34.49 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.46 0.49% |
92.86 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Swedbank AB (publ) provides banking products and services to private and corporate customers in Sweden, Estonia, Latvia, Lithuania, Norway, the United States, Finland, Denmark, Luxembourg, and China. It operates through Swedish Banking; Baltic Banking; Corporates and Institutions; and Premium and Private Banking segments. The company offers saving and investment solutions, such as savings accounts, mutual funds and insurance savings, pension savings, institutional asset management, and other savings and investment products; financing solutions, including private residential lending, consumer financing, corporate lending, leasing, and other financing products, as well as trade finance and factoring services; and payment and card services, which include current accounts, cash management, cash handling, debit and credit cards, and card acquiring, as well as domestic, international, mobile, document, and other payment products. It also provides trading and capital market products, such as equity trading, structured products, corporate finance, custody services, fixed income and currency trading, and other capital market products; other services, including administrative services, treasury operations, real estate brokerage and management services, legal services, and safe deposit boxes; and private banking services. In addition, the company offers pension insurance and plans, endowment insurance, and personal insurance products; mortgage lending; mortgage lending; advisory services and investment banking; and transaction banking services comprising cash management, securities, account, and clearing and settlement services, as well as Internet and mobile banking services. 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Jens Henriksson | Pres & CEO | 1967 |
| Mr. Tomas Hedberg | Deputy Pres & Deputy CEO | 1963 |
| Mr. Anders Karlsson | Chief Financial Officer | 1966 |
| Ms. Lotta Loven | CIO and Head of Group Channels & Technologies | 1967 |
| Ms. Annie Ho | Head of Investor Relations | NA |
| Ms. Charlotte Rydin | Chief Legal Officer & Head of Group Legal | 1968 |
| Ms. Britta Hjorth-Larsen | Chief Compliance Officer | NA |
| Mr. Erik Ljungberg | Head of Group Communications & Sustainability | 1971 |
| Ms. Carina Strand | Head of Group HR & Infrastructure | 1964 |
| Ms. Gith Bengtsson | Head of HR Channels & Concepts | 1963 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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