Swedbank AB (publ) SWDBF

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Price alert · SWDBF

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40.03 USD +0.63 +1.60%

At close · Oct 30

38.50 Day range 38.50
29.41 52-week range 43.24
YTD
+15.13%
1 year
+26.08%
Open
38.50
Prev close
39.40
Mkt cap
44.98B
Vol
1
Avg vol
5.85K
EPS
2.87
P/E
13.95
More statistics
Low
38.50
High
38.50
Earnings
Oct 22, 2026

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Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 5

Valuation

P/E 11.0×
FY 2016: 12.5×FY 2017: 11.4×FY 2018: 10.4×FY 2019: 7.8×FY 2020: 12.5×FY 2021: 9.6×FY 2022: 9.2×FY 2023: 6.7×FY 2024: 6.9×FY 2025: 11.0×
FY 2016 5y median 9.2× FY 2025
P/S 3.1×
FY 2016: 4.5×FY 2017: 4.6×FY 2018: 4.3×FY 2019: 2.8×FY 2020: 3.1×FY 2021: 4.0×FY 2022: 3.1×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
P/B 1.6×
FY 2016: 1.9×FY 2017: 1.7×FY 2018: 1.6×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.6×
FY 2016 5y median 1.2× FY 2025
P/FCF -7.7×
FY 2016: -4.5×FY 2017: 3.9×FY 2018: 18.7×FY 2019: 4.1×FY 2020: 1.5×FY 2021: 4.1×FY 2022: -10.4×FY 2023: -1.6×FY 2024: 3.0×FY 2025: -7.7×
FY 2016 5y median -1.6× FY 2025
EV/EBITDA 23.2×
FY 2016: 40.6×FY 2017: 35.7×FY 2018: 32.7×FY 2019: 33.0×FY 2020: 34.7×FY 2021: 23.6×FY 2022: 24.1×FY 2023: 18.6×FY 2024: 1064×FY 2025: 23.2×
FY 2016 5y median 23.6× FY 2025
EV/Sales 8.7×
FY 2016: 18.3×FY 2017: 18.8×FY 2018: 17.6×FY 2019: 15.8×FY 2020: 12.3×FY 2021: 13.1×FY 2022: 11.0×FY 2023: 6.5×FY 2024: 5.8×FY 2025: 8.7×
FY 2016 5y median 8.7× FY 2025
FCF Yield -13.0%
FY 2016: -22.2%FY 2017: 25.5%FY 2018: 5.3%FY 2019: 24.6%FY 2020: 67.6%FY 2021: 24.5%FY 2022: -9.6%FY 2023: -63.8%FY 2024: 33.3%FY 2025: -13.0%
FY 2016 5y median -9.6% FY 2025

Profitability

Gross Margin 59.9%
FY 2016: 70.4%FY 2017: 84.7%FY 2018: 83.0%FY 2019: 82.7%FY 2020: 86.9%FY 2021: 94.0%FY 2022: 79.5%FY 2023: 55.1%FY 2024: 50.9%FY 2025: 59.9%
FY 2016 5y median 59.9% FY 2025
Operating Margin 35.6%
FY 2016: 43.8%FY 2017: 51.1%FY 2018: 51.8%FY 2019: 44.8%FY 2020: 32.4%FY 2021: 52.0%FY 2022: 41.5%FY 2023: 33.3%FY 2024: 30.5%FY 2025: 35.6%
FY 2016 5y median 35.6% FY 2025
Net Margin 28.3%
FY 2016: 36.0%FY 2017: 40.7%FY 2018: 41.3%FY 2019: 36.1%FY 2020: 24.9%FY 2021: 42.0%FY 2022: 33.1%FY 2023: 26.0%FY 2024: 24.2%FY 2025: 28.3%
FY 2016 5y median 28.3% FY 2025
ROE 14.5%
FY 2016: 15.1%FY 2017: 14.7%FY 2018: 15.4%FY 2019: 14.2%FY 2020: 8.3%FY 2021: 12.9%FY 2022: 12.1%FY 2023: 17.2%FY 2024: 15.9%FY 2025: 14.5%
FY 2016 5y median 14.5% FY 2025
ROIC 2.0%
FY 2016: 1.5%FY 2017: 1.5%FY 2018: 1.7%FY 2019: 1.5%FY 2020: 0.9%FY 2021: 1.5%FY 2022: 1.5%FY 2023: 2.2%FY 2024: 2.1%FY 2025: 2.0%
FY 2016 5y median 2.0% FY 2025
ROA 1.1%
FY 2016: 0.9%FY 2017: 0.9%FY 2018: 0.9%FY 2019: 0.8%FY 2020: 0.5%FY 2021: 0.8%FY 2022: 0.7%FY 2023: 1.2%FY 2024: 1.2%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue -19.5%
FY 2016: -0.4%FY 2017: -12.3%FY 2018: 7.6%FY 2019: 6.4%FY 2020: -4.9%FY 2021: -4.2%FY 2022: 30.0%FY 2023: 103.2%FY 2024: 9.9%FY 2025: -19.5%
FY 2016 FY 2025
Operating Income -6.2%
FY 2016: 16.6%FY 2017: 2.3%FY 2018: 9.2%FY 2019: -8.0%FY 2020: -31.3%FY 2021: 53.9%FY 2022: 3.7%FY 2023: 63.0%FY 2024: 0.9%FY 2025: -6.2%
FY 2016 FY 2025
EPS (diluted) -6.1%
FY 2016: 23.8%FY 2017: -1.1%FY 2018: 9.2%FY 2019: -7.0%FY 2020: -34.5%FY 2021: 61.3%FY 2022: 2.3%FY 2023: 59.5%FY 2024: 1.9%FY 2025: -6.1%
FY 2016 FY 2025
Free Cash Flow -158.2%
FY 2016: -180.9%FY 2017: 204.1%FY 2018: -79.0%FY 2019: 219.5%FY 2020: 188.5%FY 2021: -54.9%FY 2022: -138.6%FY 2023: -669.1%FY 2024: 155.1%FY 2025: -158.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 4.0×
FY 2016: 6.7×FY 2017: 6.7×FY 2018: 6.1×FY 2019: 6.5×FY 2020: 5.0×FY 2021: 5.0×FY 2022: 5.0×FY 2023: 4.4×FY 2024: 4.2×FY 2025: 4.0×
FY 2016 5y median 4.4× FY 2025
Net Debt / EBITDA 14.9×
FY 2016: 30.6×FY 2017: 26.9×FY 2018: 24.7×FY 2019: 27.1×FY 2020: 26.0×FY 2021: 16.3×FY 2022: 17.4×FY 2023: 13.6×FY 2024: 757×FY 2025: 14.9×
FY 2016 5y median 16.3× FY 2025
Interest Coverage 0.9×
FY 2016: 1.5×FY 2017: 3.3×FY 2018: 3.1×FY 2019: 2.6×FY 2020: 2.5×FY 2021: 8.7×FY 2022: 2.0×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 6.8%
FY 2016: 4.9%FY 2017: 6.7%FY 2018: 6.6%FY 2019: 10.3%FY 2020: 0.0%FY 2021: 8.1%FY 2022: 6.4%FY 2023: 4.8%FY 2024: 7.1%FY 2025: 6.8%
FY 2016 5y median 6.8% FY 2025
Payout Ratio 74.4%
FY 2016: 60.8%FY 2017: 76.0%FY 2018: 68.6%FY 2019: 80.7%FY 2020: 0.0%FY 2021: 78.1%FY 2022: 59.1%FY 2023: 32.1%FY 2024: 48.9%FY 2025: 74.4%
FY 2016 5y median 59.1% FY 2025

Annual · latest fiscal year ends 2025-12-31