Svenska Handelsbanken AB

Svenska Handelsbanken AB maintains a capital structure characterized by high leverage typical of the banking industry, with a debt-to-equity ratio of 7.35. Total assets stand at 3,387,566,000,000 SEK, supported by total equity of 199,352,000,000 SEK and long-term debt of 1,466,105,000,000 SEK. The firm reports negative net cash after subtracting total debt, indicating a reliance on external financing and deposit liabilities to fund its asset base. Operating cash flow is negative at -46,294,000,000 SEK, while free cash flow is -4,230,000,000 SEK, reflecting the cash-intensive nature of its lending operations and capital deployment.

Profitability metrics show a return on equity (ROE) of 11.92% and a return on assets (ROA) of 0.70%. The company generated net income of 23,726,000,000 SEK on revenue of 42,542,000,000 SEK, demonstrating a net margin of approximately 55.8%. While specific cohort medians are not provided for direct comparison, the ROE and ROA figures are consistent with established commercial banking benchmarks, where high leverage amplifies equity returns despite low asset yields.

Segment and geographic revenue concentration data is not available in the current input, preventing a detailed analysis of revenue mix by business line or region. The company operates as a commercial bank, implying revenue is derived from net interest income and non-interest income, but specific breakdowns are omitted from the provided financial snapshot.

Growth trajectory analysis is limited due to the absence of historical period data in the input. The current financial snapshot provides a single-period view of revenue and net income, without year-over-year or quarterly trend data to assess momentum or deceleration.

Risk assessment indicates medium liquidity risk and low dilution risk. A key flag notes that net cash is negative after subtracting total debt, highlighting the firm's leveraged position. The absence of significant dilution risk is supported by the identical basic and diluted share counts of 1,944,777,165 shares, suggesting no significant outstanding options or convertible securities impacting the share count.

Recent observations include analyst estimates with a mean price target of 133.28 SEK and a median of 133.00 SEK, with a high of 170.00 SEK and a low of 118.00 SEK. The mean recommendation is 3.68, indicating a neutral to slightly negative sentiment, with six hold ratings and one strong buy rating. Competitor context lists JPMorgan Chase, Bank of America, and Citigroup, though no comparative financial data is provided for these entities.

Revenue grew at an 8.8% CAGR over four years, showing consistent top-line expansion despite recent volatility.

Net income CAGR of 5.0% over four years reflects sustained earnings growth capability for shareholders.

Book value per share stands at 102.51 SEK, providing a tangible asset base for valuation analysis.

Revenue declined 9.2% and net income fell 13.6% year-over-year, indicating weakening operational performance.

Debt-to-equity ratio of 7.35 ranks in the bottom quartile of the bank cohort, highlighting high leverage risk.

Cash conversion ratio of -1.95 is in the bottom quartile, showing poor ability to convert earnings to cash.

Analyst consensus recommendation is 'sell' with a mean price target of 133.28, reflecting negative market sentiment.

Revenue kr 10.02B, −11,7% YoY; Net income +0,6% YoY.

• ▍Revenue kr 10.02B, −11,7% YoY
• ▍Net income +0,6% YoY
• ▍Free cash flow +0,1% YoY
• ▍Net margin 63.5%

Revenue kr 10.04B, −14,5% YoY; Net income −12,8% YoY.

• ▍Revenue kr 10.04B, −14,5% YoY
• ▍Net income −12,8% YoY
• ▍Free cash flow −9,1% YoY
• ▍Net margin 59.5%

Revenue kr 10.47B, −11,0% YoY; Net income −17,5% YoY.

• ▍Revenue kr 10.47B, −11,0% YoY
• ▍Net income −17,5% YoY
• ▍Free cash flow −14,2% YoY
• ▍Net margin 56.8%

Revenue kr 10.69B, −9,0% YoY; Net income −19,2% YoY.

• ▍Revenue kr 10.69B, −9,0% YoY
• ▍Net income −19,2% YoY
• ▍Free cash flow −15,5% YoY
• ▍Net margin 51.4%

Revenue kr 11.35B; Net margin 55.7%.

• ▍Revenue kr 11.35B
• ▍Net margin 55.7%

Revenue kr 11.74B; Net margin 58.3%.

• ▍Revenue kr 11.74B
• ▍Net margin 58.3%

Revenue kr 11.76B; Net margin 61.3%.

• ▍Revenue kr 11.76B
• ▍Net margin 61.3%

Revenue kr 11.75B; Net margin 57.8%.

• ▍Revenue kr 11.75B
• ▍Net margin 57.8%

Revenue kr 42.54B, −9,2% YoY; Net income −13,6% YoY.

• ▍Revenue kr 42.54B, −9,2% YoY
• ▍Net income −13,6% YoY
• ▍Free cash flow −269,1% YoY
• ▍Net margin 55.8%

Revenue kr 46.84B, −1,6% YoY; Net income −5,7% YoY.

• ▍Revenue kr 46.84B, −1,6% YoY
• ▍Net income −5,7% YoY
• ▍Free cash flow −80,7% YoY
• ▍Net margin 58.6%

Revenue kr 47.58B, +29,9% YoY; Net income +34,3% YoY.

• ▍Revenue kr 47.58B, +29,9% YoY
• ▍Net income +34,3% YoY
• ▍Free cash flow +4,8% YoY
• ▍Net margin 61.2%

Revenue kr 36.61B, +20,8% YoY; Net income +11,0% YoY.

• ▍Revenue kr 36.61B, +20,8% YoY
• ▍Net income +11,0% YoY
• ▍Free cash flow +360,2% YoY
• ▍Net margin 59.2%