SWDBF Stock Financial Analysis - Swedbank AB (publ) (OTCPK) Stock

Overview

Swedbank AB is a major banking institution based in Sweden, primarily engaged in providing a wide range of financial services including retail banking, asset management, and insurance. As a leader in the Nordic-Baltic banking market, Swedbank holds significant influence over domestic and regional financial landscapes. Its key projects often focus on digital banking innovation, sustainable financing, and expanding financial solutions that support small to medium-sized enterprises. Swedbank is committed to advancing financial inclusivity and integrates environmental, social, and governance (ESG) criteria across its operational and investment decisions, reflecting its dedication to corporate responsibility and sustainability in the financial sector. This strategic focus supports its enduring mission to promote economic well-being and sustainable growth within its key markets.

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 Swedbank AB (publ) as of June 30, 2025 is 72,186.00 MM.
The operating income for Swedbank AB (publ) as of June 30, 2025 is 43,749.00 MM.
The net income for Swedbank AB (publ) as of June 30, 2025 is 33,928.00 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	72,186.00	43,749.00	33,928.00
2025-03-31	73,900.00	44,748.00	34,637.00
2024-12-31	74,371.00	44,976.00	34,869.00
2024-09-30	74,011.00	45,587.00	34,722.00
2024-06-30	73,256.00	45,160.00	34,468.00
2024-03-31	72,720.00	45,570.00	34,996.00
2023-12-31	71,384.00	44,597.00	34,128.00
2023-09-30	67,984.00	41,784.00	32,597.00
2023-06-30	62,980.00	37,802.00	29,058.00
2023-03-31	56,173.00	31,991.00	24,441.00
2022-12-31	50,549.00	27,902.00	21,365.00
2022-09-30	47,289.00	24,647.00	19,411.00
2022-06-30	46,219.00	23,989.00	19,322.00
2022-03-31	47,111.00	25,283.00	20,380.00
2021-12-31	47,511.00	25,873.00	20,871.00
2021-09-30	46,744.00	25,554.00	20,546.00
2021-06-30	45,874.00	25,163.00	20,309.00
2021-03-31	44,646.00	24,253.00	19,591.00
2020-12-31	41,342.00	20,782.00	12,929.00
2020-09-30	41,068.00	20,543.00	12,847.00

Income Statement: EPS

The earnings per share basic for Swedbank AB (publ) as of June 30, 2025 is 30.16.
The earnings per share diluted for Swedbank AB (publ) as of June 30, 2025 is 30.02.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	30.16	30.02
2025-03-31	30.79	30.64
2024-12-31	30.99	30.86
2024-09-30	30.86	30.75
2024-06-30	30.64	30.55
2024-03-31	31.11	31.03
2023-12-31	30.35	30.27
2023-09-30	29.00	28.93
2023-06-30	25.86	25.79
2023-03-31	21.76	21.70
2022-12-31	19.03	18.98
2022-09-30	17.29	17.25
2022-06-30	17.22	17.17
2022-03-31	18.17	18.12
2021-12-31	18.62	18.56
2021-09-30	18.33	18.27
2021-06-30	18.13	18.08
2021-03-31	17.49	17.42
2020-12-31	11.55	11.51
2020-09-30	11.48	11.44

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Swedbank AB (publ) as of June 30, 2025 is -4,788.00 MM.
The cash from investing activities for Swedbank AB (publ) as of June 30, 2025 is -180.00 MM.
The cash from financing activities for Swedbank AB (publ) as of June 30, 2025 is 17,560.00 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	-4,788.00	-180.00	17,560.00
2025-03-31	2,786.00	-116.00	23,683.00
2024-12-31	39,447.00	-147.00	28,725.00
2024-09-30	77,872.00	12.00	-80,723.00
2024-06-30	27,870.00	-138.00	-63,656.00
2024-03-31	18,960.00	-69.00	-36,598.00
2023-12-31	-73,152.00	-418.00	-39,821.00
2023-09-30	-162,479.00	-536.00	20,545.00
2023-06-30	-82,838.00	-424.00	1,965.00
2023-03-31	-81,906.00	392.00	-504.00
2022-12-31	-30,327.00	691.00	21,722.00
2022-09-30	-177,916.00	923.00	-29,056.00
2022-06-30	-149,341.00	1,003.00	-35,055.00
2022-03-31	-145,347.00	619.00	72,514.00
2021-12-31	-63,159.00	628.00	126,719.00
2021-09-30	72,183.00	1,174.00	192,835.00
2021-06-30	7,082.00	1,775.00	212,830.00
2021-03-31	15,041.00	1,322.00	193,899.00
2020-12-31	-94,289.00	1,383.00	194,828.00
2020-09-30	73,083.00	887.00	103,850.00

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

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

Management Effectiveness

The roa for Swedbank AB (publ) as of June 30, 2025 is 0.01.
The roe for Swedbank AB (publ) as of June 30, 2025 is 0.18.
The roic for Swedbank AB (publ) as of June 30, 2025 is 0.03.
The croic for Swedbank AB (publ) as of June 30, 2025 is 0.01.
The ocroic for Swedbank AB (publ) as of June 30, 2025 is 0.00.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.18	0.03	0.01	0.00
2025-03-31	0.01	0.18	0.03	0.06	0.06
2024-12-31	0.01	0.17	0.03	-0.00	0.06
2024-09-30	0.01	0.18	0.03	-0.01	0.01
2024-06-30		0.20
2024-03-31		0.19
2023-12-31			0.17	-0.86
2023-09-30			0.16	-0.36
2023-06-30		0.18
2023-03-31		0.16
2022-12-31
2022-09-30		0.00
2022-06-30		0.00	0.00
2022-03-31		0.00
2021-12-31		0.00	0.00
2021-09-30	0.01	0.14
2021-06-30	0.01		0.02	0.16	0.01
2021-03-31	0.01	0.14	0.02	0.16	0.01
2020-12-31	0.01	0.09	0.01	0.08	-0.08
2020-09-30	0.01	0.10	0.01	0.14	0.10

Gross Margins

The gross margin for Swedbank AB (publ) as of June 30, 2025 is 1.00.
The net margin for Swedbank AB (publ) as of June 30, 2025 is 0.47.
The operating margin for Swedbank AB (publ) as of June 30, 2025 is 0.61.

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	0.47	0.61
2025-03-31	1.00	0.47	0.60
2024-12-31	1.00	0.47	0.60
2024-09-30	1.00	0.48	0.61
2024-06-30
2024-03-31
2023-12-31
2023-09-30		0.46	0.60
2023-06-30		0.46	0.60
2023-03-31		0.44	0.57
2022-12-31
2022-09-30		0.00	0.00
2022-06-30		0.00	0.00
2022-03-31
2021-12-31
2021-09-30
2021-06-30	1.00	0.45	0.55
2021-03-31	1.00	0.44	0.55
2020-12-31	1.00	0.31	0.50
2020-09-30	1.00	0.31	0.50

GB:SWEDAS
IT:1SWED	€24.80
GB:0H6T	SEK267.25
DE:FRYA	€24.18
SE:SWED A	SEK268.70