-0.73%
5.77%
10.83%
13.49%
9.11%
24.37%
29.70%
AI Spotlight on SHB
Company Description
Svenska Handelsbanken AB (publ) provides various banking products and services for private and corporate customers primarily in Sweden, the United Kingdom, Norway, the Netherlands, the United States, Luxembourg, China, Germany, France, and Poland.The company offers savings, transactions, business, currency, and investment accounts, as well as accounts for cash pool, and forestry and agriculture; mortgage and committed loans, and private loans; mutual funds; pension products; credit and debit cards; and payment and reconciliation services.It also provides financing for investments, such as equipment, cars, computers, and other inventories, as well as vehicle and real estate financing services; green loans and advisor services; investment and other financing services; medical care, group and health, and travel insurance products; forestry and farming banking products; and online and mobile banking services.
In addition, the company offers transaction, trade finance, cash management, risk management, and foreign exchange services, as well as various banking services for children and young people.It operates approximately 214 branches in Sweden, 196 in the Great Britain, 41 in Norway, 42 in Denmark, 27 in Finland, and 28 in the Netherlands.Svenska Handelsbanken AB (publ) was incorporated in 1871 and is headquartered in Stockholm, Sweden.
Market Data
| Last Price | 122.8 |
| Change Percentage | -0.73% |
| Open | 123.85 |
| Previous Close | 123.7 |
| Market Cap ( Millions) | 238819 |
| Volume | 4264178 |
| Year High | 125.95 |
| Year Low | 95.22 |
| M A 50 | 116.47 |
| M A 200 | 106.82 |
Financial Ratios
| FCF Yield | 73.58% |
| Dividend Yield | 5.29% |
| ROE | 14.09% |
| Debt / Equity | 879.93% |
| Net Debt / EBIDTA | 6399.74% |
| Price To Book | 1.21 |
| Price Earnings Ratio | 8.73 |
| Price To FCF | 1.36 |
| Price To sales | 2.52 |
| EV / EBITDA | 77.15 |
News
- Sep -02 - Oma Savings Bank acquires Handelsbanken’s SME operations in Finland
- Jul -04 - Handelsbanken Norway extends agreement with Tietoevry Banking
- May -10 - Stocks to watch this week: Burberry, Vodafone, BT and Walmart
- Apr -26 - Stocks to watch this week: Amazon, Apple, Anglo American and Novo Nordisk
- Apr -11 - Svenska Handelsbanken Ab Publ (SVNLY) Upgraded to Buy: Here's What You Should Know
- Mar -20 - Svenska Handelsbanken AB's Dividend Analysis
- Feb -20 - 20 Most Carbon Productive Companies in the World
- Oct -27 - Is Phillips 66 (PSX) Stock Undervalued Right Now?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Home Markets - Sweden
Expected Growth : 4.55 %
What the company do ?
Home Markets - Sweden is a segment of Svenska Handelsbanken AB (publ) that provides banking services to individuals and companies in Sweden.
Why we expect these perspectives ?
Svenska Handelsbanken AB (publ)'s 4.55% growth in Sweden's Home Markets is driven by a strong mortgage market, increasing demand for digital banking services, and a growing presence in the Swedish retail banking sector. Additionally, the bank's focus on cost efficiency and investments in digital transformation have contributed to its growth.
Segment n°2 -> Home Markets - United Kingdom
Expected Growth : 4.77 %
What the company do ?
Home Markets - United Kingdom is a segment of Svenska Handelsbanken AB (publ) that focuses on providing banking services to personal and corporate customers in the UK.
Why we expect these perspectives ?
The 4.77% growth in Home Markets - United Kingdom for Svenska Handelsbanken AB (publ) is driven by a strong economy, low unemployment, and rising consumer confidence. Additionally, the bank's digital transformation and investment in online platforms have improved customer experience, leading to increased market share and revenue growth.
Segment n°3 -> Home Markets - Norway
Expected Growth : 4.55 %
What the company do ?
Home Markets - Norway from Svenska Handelsbanken AB (publ) refers to the bank's operations and services catering to the Norwegian market, providing financial solutions to individuals and businesses within the region.
Why we expect these perspectives ?
Strong economic growth in Norway, driven by high oil prices and a robust labor market, fuels demand for housing and consumer loans. Additionally, the country's low interest rate environment and government support for homeownership contribute to the growth of Home Markets in Norway, resulting in a 4.55% growth rate for Svenska Handelsbanken AB (publ).
Segment n°4 -> Capital Markets
Expected Growth : 6.9 %
What the company do ?
Capital Markets from Svenska Handelsbanken AB (publ) provides financial services and solutions for corporate and institutional clients, including debt and equity capital markets, corporate finance, and risk management.
Why we expect these perspectives ?
Svenska Handelsbanken AB's 6.9% growth in Capital Markets is driven by increasing demand for corporate finance and advisory services, expansion in Nordic markets, and strategic investments in digital platforms. Additionally, the bank's strong risk management and diversified revenue streams have contributed to its growth momentum.
Segment n°5 -> Home Markets - The Netherlands
Expected Growth : 4.77 %
What the company do ?
Home Markets - The Netherlands from Svenska Handelsbanken AB (publ) refers to the bank's operations and services catering to the Dutch market, providing financial solutions to individuals and businesses.
Why we expect these perspectives ?
The Netherlands' home market growth of 4.77% is driven by a strong economy, low unemployment, and increasing consumer confidence. Additionally, the country's housing market is experiencing a boom, fueled by low interest rates and government policies. Furthermore, the Netherlands is a hub for international trade, benefiting from its strategic location and well-developed infrastructure.
Segment n°6 -> Other
Expected Growth : 6.47 %
What the company do ?
The 'Other' segment from Svenska Handelsbanken AB (publ) includes treasury operations, asset management, and other miscellaneous activities not attributed to specific business areas.
Why we expect these perspectives ?
Svenska Handelsbanken AB's 6.47% growth is driven by its strong digital transformation, increased lending activities, and cost savings initiatives. The bank's focus on corporate and institutional clients has also contributed to its growth, along with its expansion into new markets and strategic partnerships.
Svenska Handelsbanken Ab (Publ) Products
| Product Range | What is it ? |
|---|---|
| Corporate Banking | Svenska Handelsbanken AB (publ) offers a range of corporate banking services, including cash management, trade finance, and lending solutions, to large corporations and institutions. |
| Transaction Banking | Handelsbanken provides transaction banking services, including payment and account services, to corporate clients, enabling efficient and secure financial transactions. |
| Markets | Handelsbanken offers a range of markets services, including foreign exchange, interest rates, and commodities, to corporate and institutional clients. |
| Asset Management | Handelsbanken provides asset management services, including investment management and wealth management, to institutional and individual clients. |
| Private Banking | Handelsbanken offers private banking services, including wealth management and investment advice, to high net worth individuals and families. |
| Retail Banking | Handelsbanken provides retail banking services, including personal loans, credit cards, and savings accounts, to individual customers. |
Svenska Handelsbanken AB (publ)'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Svenska Handelsbanken AB (publ) is moderate due to the presence of alternative banking services and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low due to the bank's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate due to the bank's dependence on technology providers and other third-party vendors.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 92.17% |
| Debt Cost | 6.93% |
| Equity Weight | 7.83% |
| Equity Cost | 6.93% |
| WACC | 6.93% |
| Leverage | 1177.29% |
Svenska Handelsbanken AB (publ) : Quality Control
Svenska Handelsbanken AB (publ) passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| INGA.AS | ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates … |
| UBSG.SW | UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and … |
| HSBA.L | HSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking … |
| STAN.L | Standard Chartered PLC, together with its subsidiaries, provides various banking products and services primarily in Asia, Africa, Europe, the Americas, and the Middle East. The company operates through two segments: … |
| BARC.L | Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Barclays
A-Score
1-Year Total Return ->
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Standard Chartered
A-Score
1-Year Total Return ->
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HSBC
A-Score
1-Year Total Return ->
4
Handelsbanken
A-Score
1-Year Total Return ->
5
ING
A-Score
1-Year Total Return ->
6
