Swedbank reported strong financial metrics such as return on equity and capital position, alongside strategic growth in mortgage and Baltic banking segments. However, challenges include decreased net interest and commission income, as well as navigating economic uncertainties and cost pressures.

Company Guidance

During Swedbank's second quarter results presentation for the fiscal year 2025, the bank reported a return on equity of 15.4% and earnings per share of SEK 6.99. Despite economic challenges, Swedbank maintained strong credit quality with credit impairments of SEK 150 million and a solid capital position, boasting a capital buffer of 4.5 percentage points. Net interest income decreased due to falling interest rates, while net commission income was also down, impacted by lower average stock market performance, although seasonally higher card commissions provided a positive contribution. The bank's cost-to-income ratio stood at SEK 0.36, reflecting strict cost control, with total expenses flat at SEK 6.1 billion. Swedbank's strategic focus includes strengthening customer interactions, growing volumes, and increasing efficiency, supported by a robust business model and a financial plan targeting a sustainable return on equity of at least 15% and a cost-to-income ratio not exceeding SEK 0.4. Additionally, Swedbank announced the acquisition of Stabelo, a fully digital mortgage company, to enhance their mortgage offerings, particularly to younger and more digital customers.

Strong Return on Equity

Swedbank reported a return on equity of 15.4% for the second quarter, indicating strong financial performance.

Successful Mortgage Growth

Mortgage volumes in Sweden increased by SEK 2 billion, with a SEK 3.5 billion increase through Swedbank's own channels.

Baltic Banking Growth

Lending in the Baltic Banking segment increased, with private lending up by SEK 4 billion and corporate lending also up by SEK 4 billion.

Strong Capital Position

Swedbank has a solid capital buffer of 4.5 percentage points and a CET1 capital ratio of 19.7%.

Sustainable Finance Initiatives

The sustainable asset register increased by SEK 6 billion, reaching SEK 142 billion.

Partnership and Acquisition

Swedbank announced the acquisition of digital mortgage company Stabelo to enhance its mortgage business.

Swedbank AB (SWDBY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

SWDBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.67 / -	0.782	―	―	―
Jul 17, 2025	2025 (Q2)	0.67 / 0.72	0.717	-0.14% (>-0.01)
Apr 29, 2025	2025 (Q1)	0.68 / 0.75	0.684	10.09% (+0.07)
Jan 23, 2025	2024 (Q4)	0.59 / 0.68	0.709	-4.09% (-0.03)
Oct 23, 2024	2024 (Q3)	0.68 / 0.78	0.724	8.01% (+0.06)
Jul 16, 2024	2024 (Q2)	0.67 / 0.72	0.793	-9.58% (-0.08)
Apr 25, 2024	2024 (Q1)	0.69 / 0.68	0.651	5.07% (+0.03)
Jan 24, 2024	2023 (Q4)	0.69 / 0.71	0.578	22.66% (+0.13)
Oct 26, 2023	2023 (Q3)	0.69 / 0.72	0.467	55.03% (+0.26)
Jul 18, 2023	2023 (Q2)	0.68 / 0.79	0.41	93.41% (+0.38)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SWDBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$25.01	$25.11	+0.40%
Apr 29, 2025	$23.53	$24.32	+3.36%
Jan 23, 2025	$20.00	$20.80	+4.00%
Oct 23, 2024	$18.32	$19.10	+4.26%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Swedbank AB (SWDBY) report earnings?

Swedbank AB (SWDBY) is schdueled to report earning on Oct 23, 2025, Before Open (Confirmed).

What is Swedbank AB (SWDBY) earnings time?

Swedbank AB (SWDBY) earnings time is at Oct 23, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SWDBY EPS forecast?

SWDBY EPS forecast for the fiscal quarter 2025 (Q3) is 0.67.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing