(SWED-A) Swedbank (publ) - Ratings and Ratios
Savings Accounts, Mutual Funds, Lending, Credit Cards, Investment Products
SWED-A EPS (Earnings per Share)
SWED-A Revenue
Description: SWED-A Swedbank (publ)
Swedbank AB (publ) is a leading banking institution operating in multiple regions, including Sweden, the Baltics, and other international markets. The company provides a wide range of banking products and services to both private and corporate customers, including savings and investment products, lending and financing options, payment products, and capital market services.
From a business perspective, Swedbank operates through four main segments: Swedish Banking, Baltic Banking, Corporates and Institutions, and Premium and Private Banking. This diversified business model allows the company to leverage opportunities across different markets and customer segments, potentially reducing dependence on any one particular area.
Key Performance Indicators (KPIs) that can be used to evaluate Swedbanks performance include its Return on Equity (RoE) of 16.74%, indicating a relatively strong profitability. The companys Price-to-Earnings (P/E) ratio of 8.23 and forward P/E of 9.77 suggest that Swedbank may be undervalued relative to its earnings potential. Additionally, the companys large market capitalization of 283.37 billion SEK indicates a significant presence in the market.
Other relevant KPIs for evaluating Swedbank include its loan-to-deposit ratio, which can indicate the companys liquidity and lending practices, and its cost-to-income ratio, which can provide insight into the companys operational efficiency. Furthermore, the companys dividend yield and payout ratio can be important metrics for income investors.
Overall, Swedbanks diversified business model, strong profitability, and significant market presence make it an important player in the regional banking sector. Further analysis of the companys financials and operational metrics can provide a more comprehensive understanding of its investment potential.
SWED-A Stock Overview
| Market Cap in USD | 32,274m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
SWED-A Stock Ratings
| Growth Rating | 95.8% |
| Fundamental | 59.5% |
| Dividend Rating | 90.4% |
| Return 12m vs S&P 500 | 15.4% |
| Analyst Rating | - |
SWED-A Dividends
| Dividend Yield 12m | 8.64% |
| Yield on Cost 5y | 21.13% |
| Annual Growth 5y | 11.48% |
| Payout Consistency | 86.0% |
| Payout Ratio | 72.2% |
SWED-A Growth Ratios
| Growth Correlation 3m | 86.6% |
| Growth Correlation 12m | 93.3% |
| Growth Correlation 5y | 94.8% |
| CAGR 5y | 31.22% |
| CAGR/Max DD 3y | 1.43 |
| CAGR/Mean DD 3y | 8.87 |
| Sharpe Ratio 12m | 2.34 |
| Alpha | 18.75 |
| Beta | 0.755 |
| Volatility | 19.88% |
| Current Volume | 1082.4k |
| Average Volume 20d | 1094.4k |
| Stop Loss | 266.2 (-3%) |
| Signal | 1.26 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (33.93b TTM) > 0 and > 6% of Revenue (6% = 5.06b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 5.91pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1325 % (prev 111.2%; Δ -1436 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 36.58b > Net Income 33.93b (YES >=105%, WARN >=100%) |
| Net Debt (618.34b) to EBITDA (34.13b) ratio: 18.12 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.13b) change vs 12m ago 0.01% (target <= -2.0% for YES) |
| Gross Margin 47.59% (prev 79.72%; Δ -32.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.72% (prev 3.85%; Δ -1.13pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.54 (EBITDA TTM 34.13b / Interest Expense TTM 59.34b) >= 6 (WARN >= 3) |
Altman Z'' -2.03
| (A) -0.36 = (Total Current Assets 325.02b - Total Current Liabilities 1441.66b) / Total Assets 3132.44b |
| (B) 0.05 = Retained Earnings (Balance) 162.97b / Total Assets 3132.44b |
| (C) 0.01 = EBIT TTM 31.97b / Avg Total Assets 3100.18b |
| (D) 0.07 = Book Value of Equity 191.41b / Total Liabilities 2923.74b |
| Total Rating: -2.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.49
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 3.86% = 1.93 |
| 3. FCF Margin 42.86% = 7.50 |
| 4. Debt/Equity 4.60 = -2.42 |
| 5. Debt/Ebitda 28.14 = -2.50 |
| 6. ROIC - WACC -0.70% = -0.87 |
| 7. RoE 16.22% = 1.35 |
| 8. Rev. Trend 46.83% = 2.34 |
| 9. Rev. CAGR 30.98% = 2.50 |
| 10. EPS Trend 53.79% = 1.34 |
| 11. EPS CAGR 13.23% = 1.32 |
What is the price of SWED-A shares?
Over the past week, the price has changed by +3.51%, over one month by +1.59%, over three months by +9.76% and over the past year by +37.41%.
Is Swedbank (publ) a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SWED-A is around 358.41 SEK . This means that SWED-A is currently undervalued and has a potential upside of +30.57% (Margin of Safety).
Is SWED-A a buy, sell or hold?
What are the forecasts/targets for the SWED-A price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 260.4 | -5.1% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 379.4 | 38.2% |
SWED-A Fundamental Data Overview
Market Cap SEK = 301.63b (301.63b SEK * 1.0 SEK.SEK)
CCE Cash And Equivalents = 325.02b SEK (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.8741
P/E Forward = 10.2459
P/S = 4.1785
P/B = 1.4352
P/EG = 0.864
Beta = 0.482
Revenue TTM = 84.30b SEK
EBIT TTM = 31.97b SEK
EBITDA TTM = 34.13b SEK
Long Term Debt = 642.02b SEK (from longTermDebt, last quarter)
Short Term Debt = 318.27b SEK (from shortTermDebt, last quarter)
Debt = 960.29b SEK (Calculated: Short Term 318.27b + Long Term 642.02b)
Net Debt = 618.34b SEK (from netDebt column, last quarter)
Enterprise Value = 936.90b SEK (301.63b + Debt 960.29b - CCE 325.02b)
Interest Coverage Ratio = 0.54 (Ebit TTM 31.97b / Interest Expense TTM 59.34b)
FCF Yield = 3.86% (FCF TTM 36.13b / Enterprise Value 936.90b)
FCF Margin = 42.86% (FCF TTM 36.13b / Revenue TTM 84.30b)
Net Margin = 40.25% (Net Income TTM 33.93b / Revenue TTM 84.30b)
Gross Margin = 47.59% ((Revenue TTM 84.30b - Cost of Revenue TTM 44.18b) / Revenue TTM)
Tobins Q-Ratio = 4.89 (Enterprise Value 936.90b / Book Value Of Equity 191.41b)
Interest Expense / Debt = 1.26% (Interest Expense 12.13b / Debt 960.29b)
Taxrate = 21.09% (9.32b / 44.19b)
NOPAT = 25.22b (EBIT 31.97b * (1 - 21.09%))
Current Ratio = 0.23 (Total Current Assets 325.02b / Total Current Liabilities 1441.66b)
Debt / Equity = 4.60 (Debt 960.29b / last Quarter total Stockholder Equity 208.68b)
Debt / EBITDA = 28.14 (Net Debt 618.34b / EBITDA 34.13b)
Debt / FCF = 26.58 (Debt 960.29b / FCF TTM 36.13b)
Total Stockholder Equity = 209.19b (last 4 quarters mean)
RoA = 1.08% (Net Income 33.93b, Total Assets 3132.44b )
RoE = 16.22% (Net Income TTM 33.93b / Total Stockholder Equity 209.19b)
RoCE = 3.76% (Ebit 31.97b / (Equity 209.19b + L.T.Debt 642.02b))
RoIC = 2.16% (NOPAT 25.22b / Invested Capital 1166.64b)
WACC = 2.86% (E(301.63b)/V(1261.92b) * Re(8.80%)) + (D(960.29b)/V(1261.92b) * Rd(1.26%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 81.82 | Cagr: 0.03%
Discount Rate = 8.80% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.11% ; FCFE base≈36.13b ; Y1≈23.72b ; Y5≈10.85b
Fair Price DCF = 167.5 (DCF Value 188.28b / Shares Outstanding 1.12b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 46.83 | Revenue CAGR: 30.98%
Rev Growth-of-Growth: -58.34
EPS Correlation: 53.79 | EPS CAGR: 13.23%
EPS Growth-of-Growth: -25.24