SWDBY
Financial ServicesSwedbank AB (publ) · Banks - Regional · $41B
What is Swedbank AB (publ)?
Swedbank is a Nordic financial institution serving individuals and businesses across Sweden and the Baltic region with a broad range of banking services.
The bank generates revenue through retail and corporate lending, savings and investment products, payment services, and capital markets activities. It operates across Swedish Banking, Baltic Banking, and Large Corporates and Institutions segments, offering everything from residential mortgages to institutional asset management.
Is SWDBY a Good Stock to Buy?
UQS Score rates SWDBY as Below Average overall, reflecting notable weaknesses across several key quality dimensions.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
SWDBY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 19, 2026 | 37.5 | 65.5 | 28.0 | 15.4 | 0.0 | 73.3 | +2.3 |
| May 8, 2026 | 35.2 | 40.4 | 28.0 | 15.4 | 0.0 | 100.0 | -2.4 |
| May 2, 2026 | 37.6 | 65.9 | 28.0 | 15.4 | 0.0 | 73.3 | +0.1 |
| May 1, 2026 | 37.5 | 65.9 | 28.0 | 15.2 | 0.0 | 73.3 | +0.1 |
| Apr 26, 2026 | 37.4 | 65.9 | 28.0 | 14.8 | 0.0 | 73.3 | 0.0 |
| Apr 21, 2026 | 37.4 | 65.9 | 28.0 | 14.7 | 0.0 | 73.3 | +0.1 |
| Apr 18, 2026 | 37.3 | 65.9 | 28.0 | 14.3 | 0.0 | 73.3 | -4.0 |
| Apr 17, 2026 | 41.3 | 65.9 | 28.0 | 14.3 | 0.0 | 100.0 | 0.0 |
| Apr 16, 2026 | 41.3 | 65.9 | 28.0 | 14.2 | 0.0 | 99.7 | +0.2 |
| Apr 15, 2026 | 41.1 | 65.9 | 28.0 | 14.1 | 0.0 | 98.7 | +0.4 |
SWDBY — Pillar Breakdown
Quality
— 65.5/100 (25%)Swedbank AB (publ) shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 15.4/100 (20%)Swedbank AB (publ) faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 0.0/100 (15%)Swedbank AB (publ) presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 73.3/100 (15%)Swedbank AB (publ) trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Swedbank AB (publ) operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SWDBY.
Score Composition
Financial Data
More Stock Analysis
How is the SWDBY UQS Score Calculated?
The UQS (Unified Quality Score) for Swedbank AB (publ) is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Swedbank AB (publ)'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Swedbank AB (publ) is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.