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INDICATIVE · SAMPLE DATA
Branch entity
SHBA60

Svenska Handelsbanken AB

BanksVerified

Svenska Handelsbanken AB has a total equity of 195,033,000,000 SEK and a debt-to-equity ratio of 8.26, indicating a high level of leverage. The company's liquidity is assessed as medium, with free cash flow of 6,972,000,000 SEK and operating cash flow of 127,428,000,000 SEK. However, the company's net cash position is negative after subtracting total debt, which may pose liquidity challenges. In terms of profitability, the company's return on equity is 3.48%, and its return on assets is 0.18%. These figures suggest that the company is generating modest returns relative to its equity and asset base. The company's net income of 6,793,000,000 SEK and revenue of 11,746,000,000 SEK indicate a healthy profit margin, but the return on assets is below the typical benchmark for banks. The company's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess geographic or segment concentration. However, the company operates primarily in the banking sector, which is subject to regulatory and economic conditions in the regions where it operates. Looking ahead, the company's growth trajectory is not explicitly detailed in the provided data. However, the company's capital expenditure is negative at -303,000,000 SEK, suggesting a reduction in capital spending. The company's outlook for the current fiscal year is not provided, but the absence of a clear growth strategy may impact its long-term performance. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio of 8.26 suggests a high level of leverage, which could increase financial risk during periods of economic stress. The company's dilution risk is low, indicating that there is little likelihood of share dilution in the near term. Recent events and filings for the company are not detailed in the provided data. However, the company's financial performance and risk profile suggest that it is operating in a stable but highly regulated environment. The company's capital structure and liquidity position will be key factors to monitor in the coming periods.

30-day price · SHBA(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanySvenska Handelsbanken AB
TickerSHBA.ST
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Svenska Handelsbanken AB provides a range of financial services, including retail and corporate banking, asset management, and investment services.

Classification. Svenska Handelsbanken AB is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry, with a confidence level of 0.92.

Svenska Handelsbanken AB has a total equity of 195,033,000,000 SEK and a debt-to-equity ratio of 8.26, indicating a high level of leverage. The company's liquidity is assessed as medium, with free cash flow of 6,972,000,000 SEK and operating cash flow of 127,428,000,000 SEK. However, the company's net cash position is negative after subtracting total debt, which may pose liquidity challenges. In terms of profitability, the company's return on equity is 3.48%, and its return on assets is 0.18%. These figures suggest that the company is generating modest returns relative to its equity and asset base. The company's net income of 6,793,000,000 SEK and revenue of 11,746,000,000 SEK indicate a healthy profit margin, but the return on assets is below the typical benchmark for banks. The company's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess geographic or segment concentration. However, the company operates primarily in the banking sector, which is subject to regulatory and economic conditions in the regions where it operates. Looking ahead, the company's growth trajectory is not explicitly detailed in the provided data. However, the company's capital expenditure is negative at -303,000,000 SEK, suggesting a reduction in capital spending. The company's outlook for the current fiscal year is not provided, but the absence of a clear growth strategy may impact its long-term performance. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio of 8.26 suggests a high level of leverage, which could increase financial risk during periods of economic stress. The company's dilution risk is low, indicating that there is little likelihood of share dilution in the near term. Recent events and filings for the company are not detailed in the provided data. However, the company's financial performance and risk profile suggest that it is operating in a stable but highly regulated environment. The company's capital structure and liquidity position will be key factors to monitor in the coming periods.
Key takeaways
  • Svenska Handelsbanken AB has a high debt-to-equity ratio of 8.26, indicating a leveraged capital structure.
  • The company's return on equity is 3.48%, and its return on assets is 0.18%, suggesting modest profitability.
  • The company's liquidity is assessed as medium, with free cash flow of 6,972,000,000 SEK and operating cash flow of 127,428,000,000 SEK.
  • The company's net cash position is negative after subtracting total debt, which may pose liquidity challenges.
  • The company's capital expenditure is negative at -303,000,000 SEK, suggesting a reduction in capital spending.
  • The company's risk assessment indicates a medium liquidity risk and a low dilution risk.
  • --
  • ## RATIONALES
Financial snapshot
PeriodHA-latest
CurrencySEK
Revenue$11.75B
Gross profit
Operating income
Net income$6.79B
R&D
SG&A
D&A
SBC
Operating cash flow$127.43B
CapEx-$303.0M
Free cash flow$6.97B
Total assets$3.73T
Total liabilities$3.53T
Total equity$195.03B
Cash & equivalents
Long-term debt$1.61T
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$30.32B$19.52B$2.68B
FY-3$36.61B$21.68B$12.35B
FY-2$47.58B$29.11B$12.95B
FY-1$46.84B$27.45B$2.50B
FY0$42.54B$23.73B-$4.23B
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$3.35T$181.71B
FY-3$3.45T$194.02B
FY-2$3.54T$205.08B
FY-1$3.54T$210.02B
FY0$3.39T$199.35B
PeriodOCFCapExFCFSBC
FY-4$49.38B-$1.19B$2.68B
FY-3-$38.30B-$786.0M$12.35B
FY-2$23.12B-$832.0M$12.95B
FY-1$44.53B-$949.0M$2.50B
FY0-$46.29B-$535.0M-$4.23B
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$11.75B$6.79B$6.97B
FQ-6$11.76B$7.21B$7.45B
FQ-5$11.74B$6.84B$7.13B
FQ-4$11.35B$6.32B$6.72B
FQ-3$10.69B$5.49B$5.89B
FQ-2$10.47B$5.95B$6.39B
FQ-1$10.04B$5.97B$6.48B
FQ0$10.02B$6.36B$6.73B
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7$3.73T$195.03B
FQ-6$3.76T$201.07B
FQ-5$3.54T$210.02B
FQ-4$3.70T$183.92B
FQ-3$3.66T$188.55B
FQ-2$3.80T$194.69B
FQ-1$3.39T$199.35B
FQ0$3.73T$172.22B
PeriodOCFCapExFCFSBC
FQ-7$127.43B-$303.0M$6.97B
FQ-6$158.91B-$387.0M$7.45B
FQ-5$44.53B-$949.0M$7.13B
FQ-4$120.97B-$127.0M$6.72B
FQ-3$156.75B-$284.0M$5.89B
FQ-2$143.09B-$431.0M$6.39B
FQ-1-$46.29B-$530.0M$6.48B
FQ0$115.73B-$107.0M$6.73B
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$195.03B
Net cash-$1.61T
Current ratio
Debt/Equity8.3
ROA0.2%
ROE3.5%
Cash conversion18.8%
CapEx/Revenue-2.6%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricSHBAActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin57.8%33.6% medp25 19.4% · p75 51.1%top quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-2.6%-4.6% medp25 -10.4% · p75 -2.1%above median
Debt / equity826.0%56.1% medp25 13.2% · p75 161.2%top quartile
Observations
IR observations
Mean price target128.84 SEK
Median price target128.00 SEK
High price target165.00 SEK
Low price target114.00 SEK
Mean recommendation3.63 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count0.00
Hold count6.00
Sell count10.00
Strong-sell count2.00
Mean EPS estimate11.37 SEK
Last actual EPS11.98 SEK
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-16 12:42 UTC#00caca77
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 10:02 UTCJob: 4b4f657c