)
Visual
test
Swedbank
Swedbank (SWED) investor relations material
Swedbank Q4 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 (Media) earnings summary29 Jan, 2026
Executive summary
Achieved a 15.2% return on equity for 2025, with net profit of SEK 32.8bn and a proposed dividend of SEK 29.8 per share, including an extra dividend of SEK 9.35.
Maintained strong capital generation and robust asset quality, positioning for sustainable growth.
Acquisitions of Entercard and Stabelo completed, strengthening product offerings.
DOJ investigation in the US closed with no action; DFS investigation ongoing.
Financial highlights
Net profit for 2025 was SEK 32.8bn, down 6% year-over-year; Q4 net profit was SEK 8.2bn, down 4% sequentially.
Total income for 2025 was SEK 68.7bn, a 7% decrease year-over-year; Q4 income was SEK 17.3bn, up 1% sequentially.
Cost/income ratio for 2025 was 0.36; return on equity was 15.2%.
Earnings per share (after dilution) for 2025 was SEK 28.98.
Dividend proposal includes SEK 20.45 ordinary and SEK 9.35 special per share.
Outlook and guidance
Swedish GDP growth expected above 2.5% in 2026; strong development in Lithuania and growth in Estonia and Latvia.
2026 cost guidance set at SEK 27.5bn, reflecting ~3% annual growth.
Lending growth targeted to match or exceed market pace, especially in mortgages.
Targeting sustainable return on equity of at least 15% and C/I ratio not above 0.40.
2026 funding plan aligns with 2025, with SEK 110bn in long-term debt maturing.
CET1 buffer drop impact on future capital return?
Entercard divestment rationale after acquisition?
NII outlook given rate environment and volumes?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebHTOO
Resale registration for 71,429 shares via warrant, with proceeds only on exercise; financial risks persist. - 6 FebVSAT
Q3 revenue up 3% to $1.16B, net income $25M, strong cash flow, Ligado boost, satellite focus. - 6 FebWEC
Targets 7–8% EPS growth, $37.5B capex, and coal exit by 2032 amid surging data center demand. - 6 FebBR
Q2 FY26 recurring revenue grew 8% and adjusted EPS guidance was raised to 9-12%. - 6 FebFFWM
Merger vote includes new non-voting stock class with limited conversion and no voting rights. - 6 FebKKR
Charter amendments seek to modernize governance and establish one share, one vote by 2026. - 6 FebARI
Proposed $9B real estate loan portfolio acquisition highlights disciplined, long-term strategy. - 6 FebSMCI
Q2 revenue jumped 123% to $12.7B, with FY26 guidance raised to at least $40B. - 6 FebRJF
Record revenues and assets, higher dividend, and acquisitions despite lower net income. - 6 FebFFIE
Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
Next Swedbank earnings date
Q1 202629 Apr, 2026
Swedbank
Next Swedbank earnings date
Q1 202629 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Swedbank offers retail banking, such as deposit and loan products; payment services; and mortgages, cards, and personal loans. The company also provides corporate and private clients with cash management, securities custody, investment management, long-term savings products, leasing, factoring, export financing, trade finance, pensions products, and life insurance. Its institutional clients include corporates in manufacturing, the public sector organization, shipping and offshore services groups.
The company operates through a universal banking business model to serve all customer segments. It serves 601 branches in Sweden; 93 branches and offices in Estonia; 328 branches and offices in Latvia; 64 branches and offices in Lithuania; 44 branches and offices in Finland; 38 branches and offices in Germany; and 6 representative offices. Swedbank AB was founded in 1820 is headquartered in Stockholm, Sweden
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage