ScoreWhy is Swedbank AB ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- High Margins signify the bank has been able to generate higher profits from its interest bearing assets
2
Negative results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at SEK -46,189 MM
- NET SALES(Q) Lowest at SEK 21,317 MM
- OPERATING PROFIT(Q) Lowest at SEK 9,448 MM
3
With ROA of 0.99%, it has a fair valuation with a 1.56 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 19.01%, its profits have risen by 2% ; the PEG ratio of the company is 4.3
4
Majority shareholders : Non Institution
5
Consistent Returns over the last 3 years
- Along with generating 19.01% 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
19.01%
97.81
21.32%
OMX Stockholm 30
10.97%
0.59
18.59%
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
9
Industry P/E
Price to Book Value
1.56
EV to EBIT
25.66
EV to EBITDA
24.40
EV to Capital Employed
1.12
EV to Sales
9.09
PEG Ratio
4.31
Dividend Yield
7.18%
ROCE (Latest)
4.37%
ROE (Latest)
16.71%
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 155.88%
-12What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SEK -46,189 MM
NET SALES(Q)
Lowest at SEK 21,317 MM
OPERATING PROFIT(Q)
Lowest at SEK 9,448 MM
PRE-TAX PROFIT(Q)
Lowest at SEK 9,756 MM
Here's what is working for Swedbank AB
Credit Deposit Ratio
Highest at 155.88%
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 (%)
Here's what is not working for Swedbank AB
Operating Cash Flow
Lowest at SEK -46,189 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
Lowest at SEK 21,317 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (SEK MM)
Net Sales
At SEK 21,317 MM has Fallen at -14.29%
over average net sales of the previous four periods of SEK 24,872 MMMOJO Watch
Near term sales trend is negative
Net Sales (SEK MM)
Operating Profit
Lowest at SEK 9,448 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (SEK MM)
Pre-Tax Profit
Lowest at SEK 9,756 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (SEK MM)
Capital Adequacy Ratio
Lowest at 19.4%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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