ScoreWhy is Swedbank AB ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
The company has declared Negative results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at SEK -7,735 MM
- NET SALES(HY) At SEK 42,899 MM has Grown at -20.22%
- CASH AND EQV(HY) Lowest at SEK 542,777 MM
3
With ROA of 0.92%, it has a very attractive valuation with a 1.70 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 43.87%, its profits have fallen by -6%
4
Majority shareholders : Non Institution
5
Consistent Returns over the last 3 years
- Along with generating 43.87% returns in the last 1 year, the stock has outperformed OMX Stockholm 30 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Swedbank AB should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Swedbank AB for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Swedbank AB
43.87%
130.84
18.81%
OMX Stockholm 30
30.13%
1.89
15.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.40%
EBIT Growth (5y)
15.49%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
70.18%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.70
EV to EBIT
28.38
EV to EBITDA
26.82
EV to Capital Employed
1.17
EV to Sales
11.73
PEG Ratio
NA
Dividend Yield
6.12%
ROCE (Latest)
4.12%
ROE (Latest)
14.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 154.97%
-12What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SEK -7,735 MM
NET SALES(HY)
At SEK 42,899 MM has Grown at -20.22%
CASH AND EQV(HY)
Lowest at SEK 542,777 MM
OPERATING PROFIT(Q)
Lowest at SEK 9,359 MM
PRE-TAX PROFIT(Q)
Lowest at SEK 9,243 MM
NET PROFIT(Q)
Lowest at SEK 7,345 MM
EPS(Q)
Lowest at SEK 6.5
Here's what is working for Swedbank AB
Credit Deposit Ratio
Highest at 154.97%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at SEK 601 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SEK MM)
Here's what is not working for Swedbank AB
Operating Cash Flow
Lowest at SEK -7,735 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SEK MM)
Net Sales
At SEK 42,899 MM has Grown at -20.22%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (SEK MM)
Operating Profit
Lowest at SEK 9,359 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (SEK MM)
Pre-Tax Profit
Lowest at SEK 9,243 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (SEK MM)
Net Profit
Lowest at SEK 7,345 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (SEK MM)
EPS
Lowest at SEK 6.5
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (SEK)
Cash and Eqv
Lowest at SEK 542,777 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 19.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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