SVHH Stock Financial Analysis - Svenska Handelsbanken AB (publ) (BRSE) Stock

Overview

Svenska Handelsbanken AB (publ) is a prominent banking institution headquartered in Sweden, primarily engaged in the financial services sector. It operates extensively in the Nordic countries and maintains a significant presence in the UK and the Netherlands. The bank is renowned for its decentralized branch-based model, emphasizing strong customer relations and local decision-making, which significantly differentiates it from its competitors. A key focus for the bank has been its strategic investment in digital banking and sustainable finance. Svenska Handelsbanken has been proactive in developing digital platforms that enhance user experience and operational efficiency, aligning with its commitment to sustainability, which includes various green financing projects and initiatives aimed at reducing the carbon footprint of its operations.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 60,640.00 MM.
The operating income for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 34,016.00 MM.
The net income for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 25,864.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	60,640.00	34,016.00	25,864.00
2025-03-31	62,391.00	35,447.00	27,169.00
2024-12-31	62,960.00	35,745.00	27,451.00
2024-09-30	62,510.00	35,537.00	27,846.00
2024-06-30	63,066.00	36,489.00	28,586.00
2024-03-31	62,582.00	36,429.00	28,896.00
2023-12-31	62,129.00	36,648.00	29,107.00
2023-09-30	60,316.00	35,261.00	27,854.00
2023-06-30	56,828.00	32,426.00	25,487.00
2023-03-31	52,985.00	29,269.00	22,803.00
2022-12-31	50,350.00	27,261.00	21,676.00
2022-09-30	48,140.00	25,885.00	20,912.00
2022-06-30	46,079.00	24,340.00	20,314.00
2022-03-31	46,052.00	24,752.00	20,834.00
2021-12-31	44,248.00	23,586.00	19,527.00
2021-09-30	40,043.00	21,772.00	18,673.00
2021-06-30	40,048.00	21,629.00	16,801.00
2021-03-31	39,601.00	20,958.00	16,028.00
2020-12-31	39,724.00	20,562.00	15,585.00
2020-09-30	43,390.00	21,661.00	15,596.00
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	13.86	13.86
2024-09-30	14.06	14.07
2024-06-30
2024-03-31	14.59	14.59
2023-12-31	14.70	14.70
2023-09-30	14.07	14.07
2023-06-30	12.87	12.86
2023-03-31	11.52	11.52
2022-12-31	10.95	10.95
2022-09-30	10.56	10.56
2022-06-30	10.26	10.26
2022-03-31	10.52	10.52
2021-12-31	9.86	9.86
2021-09-30	9.43	9.43
2021-06-30	8.49	8.48
2021-03-31	8.09	8.09
2020-12-31	7.87	7.87
2020-09-30	7.88	7.87
2020-06-30	8.03	8.01
2020-03-31	8.19	8.15

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 88,256.00 MM.
The cash from investing activities for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 17,080.00 MM.
The cash from financing activities for Svenska Handelsbanken AB (publ) as of 30 June 2025 is -38,398.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	88,256.00	17,080.00	-38,398.00
2025-03-31	77,476.00	15,985.00	-8,697.00
2024-12-31	58,931.00	15,748.00	-47,809.00
2024-09-30	203,332.00	-1,366.00	-65,360.00
2024-06-30	146,541.00	-1,480.00	-56,724.00
2024-03-31	156,939.00	-1,469.00	-56,725.00
2023-12-31	49,374.00	-1,517.00	-41,805.00
2023-09-30	-188,227.00	46,712.00	15,469.00
2023-06-30	-223,403.00	46,781.00	13,101.00
2023-03-31	-189,507.00	46,795.00	12,225.00
2022-12-31	-65,870.00	48,212.00	26,517.00
2022-09-30	-213,007.00	267.00	163,755.00
2022-06-30	-147,303.00	340.00	157,487.00
2022-03-31	-284,146.00	510.00	152,227.00
2021-12-31	-121,613.00	-752.00	144,198.00
2021-09-30	-40,444.00	106.00	93,167.00
2021-06-30	-132,874.00	39.00	102,183.00
2021-03-31	-18,539.00	537.00	102,183.00
2020-12-31	-24,678.00	220.00	120,112.00
2020-09-30	146,101.00	-961.00	118,116.00
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Management Effectiveness

The roa for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.01.
The roe for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.14.
The roic for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.01.
The croic for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.03.
The ocroic for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.04.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.14	0.01	0.03	0.04
2025-03-31	0.01	0.14	0.01	0.03	0.02
2024-12-31	0.01	0.13	0.01	0.06	0.10
2024-09-30	0.01	0.14	0.01	0.06	0.08
2024-06-30	0.01	0.16	0.01	0.06	0.08
2024-03-31	0.01	0.15	0.02	0.00	0.01
2023-12-31	0.01	0.14	0.01	-0.06	-0.10
2023-09-30	0.01	0.14	0.01	-0.07	-0.11
2023-06-30	0.01	0.14	0.01	-0.08	-0.12
2023-03-31	0.01	0.13	0.01	-0.06	-0.11
2022-12-31	0.01	0.12	0.01	0.02	-0.02
2022-09-30	0.01	0.11	0.01	-0.01	-0.12
2022-06-30	0.01	0.11	0.01	0.03	-0.09
2022-03-31	0.01	0.12	0.01	-0.08	-0.17
2021-12-31	0.01	0.11	0.01	0.02	-0.02
2021-09-30	0.01	0.11	0.10
2021-06-30	0.00	0.10	0.01	-0.02	-0.08
2021-03-31	0.00	0.10	0.01	0.04	-0.01
2020-12-31	0.01	0.10	0.01	0.04	0.05
2020-09-30	0.00	0.10	0.01	0.14	0.08
2020-06-30	0.01	0.11	0.01	0.20	0.14
2020-03-31	0.01	0.12	0.01	0.14	0.07

Gross Margins

The gross margin for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 1.00.
The net margin for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.44.
The operating margin for Svenska Handelsbanken AB (publ) as of 30 June 2025 is 0.57.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.44	0.57
2025-03-31	1.00	0.44	0.57
2024-12-31	1.00	0.45	0.57
2024-09-30	1.00	0.46	0.58
2024-06-30	1.00	0.46	0.58
2024-03-31	1.00	0.47	0.59
2023-12-31	1.00	0.46	0.58
2023-09-30	1.00	0.45	0.57
2023-06-30	1.00	0.45	0.57
2023-03-31	1.00	0.43	0.55
2022-12-31	1.00	0.43	0.54
2022-09-30	1.00	0.44	0.55
2022-06-30	1.00	0.45	0.54
2022-03-31	1.00	0.46	0.55
2021-12-31	1.00	0.45	0.55
2021-09-30		0.41	0.53
2021-06-30	1.00	0.37	0.52
2021-03-31	1.00	0.36	0.51
2020-12-31	1.00	0.39	0.52
2020-09-30	1.00	0.36	0.50
2020-06-30	1.00	0.37	0.50
2020-03-31	1.00	0.37	0.50

SE:SHB A	SEK 121,55
IT:1SHBA	€ 10,86
GB:0R7R	SEK 119,58
US:SVNLF
DE:SVHH	€ 10,82
MX:SHBA N