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Swedbank AB (SWDBY)
OTHER OTC:SWDBY
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.77Last Year’s EPS
0.75Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a broadly constructive operational and financial picture: management met its ROE target, delivered strong lending and asset‑gathering momentum, improved customer availability dramatically, maintained a solid CET1 ratio (17.8%) and proposed a substantial dividend. Offsetting positives are clear near‑term headwinds — lower policy rates pressuring net interest income, continued margin competition in mortgages, a higher underlying cost base (including acquisition run‑rate and one‑offs), Entercard‑related credit effects and an ongoing New York DFS investigation. Overall the positives and negatives are balanced, with the bank well‑positioned but facing identifiable near‑term execution and regulatory challenges.Company Guidance
Return on Equity Achievement
Full-year return on equity of 15.2% (target 15%) and Q4 ROE of 14.7%, meeting the bank's sustainable ROE ambition for 2025.
Strong Capital Position
Common Equity Tier 1 (CET1) ratio of 17.8% and a proposed CET1 buffer of approximately 3.0 percentage points above requirements after the proposed total dividend.
Dividend Proposal
Board proposes a total dividend of SEK 29.80 per share (SEK 20.45 ordinary + SEK 9.35 special), reflecting robustness of capital and payout capacity.
Loan and Mortgage Growth
Lending increased by SEK 108 billion in 2025 (ex-FX). Mortgage and lending volumes rose by SEK 23 billion in the quarter (SEK 17 billion attributable to Stabelo acquisition). Lending volumes grew ~3% in the quarter.
Market Share and Distribution Gains
Sweden mortgage market: doubled market share of new mortgages sold in own channels in 2025 vs 2024; front‑book market share in own channels ~11% (Nov), total market share including savings banks on balance sheet 22% (largest actor).
Improved Customer Availability
Availability in Sweden improved markedly: >80% of incoming calls answered within 3 minutes at end‑2025 versus 29% at end‑2024; over 30% more customer calls year‑on‑year and materially reduced waiting times.
Asset Management Net Inflows and Trading Income
Net inflows to Swedbank Robur of SEK 11 billion in the quarter; net gains and losses increased to SEK 982 million driven by client trading and treasury valuation effects.
Cost-to-Income and Cost Guidance Execution
Cost-to-income ratio of 0.36 in both Q4 and full year; management delivered on 2025 cost guidance and provided 2026 cost guidance of roughly SEK 27.5 billion (around +3% vs new starting point).
SWDBY Earnings History
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 |
|---|---|---|---|
Jan 29, 2026 | $39.17 | $39.01 | -0.40% |
Oct 23, 2025 | $30.83 | $30.78 | -0.17% |
Jul 17, 2025 | $25.01 | $25.11 | +0.40% |
Apr 29, 2025 | $23.53 | $24.32 | +3.38% |
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 Apr 29, 2026, Before Open (Confirmed).
What is Swedbank AB (SWDBY) earnings time?
Swedbank AB (SWDBY) earnings time is at Apr 29, 2026, 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 2026 (Q1) is 0.77.