Svenska Handelsbanken AB (publ) provides various banking products and services for private and corporate customers primarily in Sweden, the United Kingdom, Norway, Denmark, Finland, and the Netherlands.
Established dividend payer and fair value.
Share Price & News
How has Svenska Handelsbanken's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0R7S has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 0R7S exceeded the UK Banks industry which returned -45% over the past year.
Return vs Market: 0R7S exceeded the UK Market which returned -25.2% over the past year.
Price Volatility Vs. Market
How volatile is Svenska Handelsbanken's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Svenska Handelsbanken undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0R7S (SEK106.8) is trading below our estimate of fair value (SEK159.29)
Significantly Below Fair Value: 0R7S is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0R7S is poor value based on its PE Ratio (8.9x) compared to the Banks industry average (4.3x).
PE vs Market: 0R7S is good value based on its PE Ratio (8.9x) compared to the UK market (12.4x).
Price to Earnings Growth Ratio
PEG Ratio: 0R7S's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: 0R7S is overvalued based on its PB Ratio (0.9x) compared to the GB Banks industry average (0.4x).
How is Svenska Handelsbanken forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0R7S's earnings are forecast to decline over the next 3 years (-0.1% per year).
Earnings vs Market: 0R7S's earnings are forecast to decline over the next 3 years (-0.1% per year).
High Growth Earnings: 0R7S's earnings are forecast to decline over the next 3 years.
Revenue vs Market: 0R7S's revenue (2.1% per year) is forecast to grow slower than the UK market (2.4% per year).
High Growth Revenue: 0R7S's revenue (2.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0R7S's Return on Equity is forecast to be low in 3 years time (9.5%).
How has Svenska Handelsbanken performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0R7S has high quality earnings.
Growing Profit Margin: 0R7S's current net profit margins (38.9%) are lower than last year (40.4%).
Past Earnings Growth Analysis
Earnings Trend: 0R7S's earnings have grown by 2.4% per year over the past 5 years.
Accelerating Growth: 0R7S's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 0R7S had negative earnings growth (-2.5%) over the past year, making it difficult to compare to the Banks industry average (29.6%).
Return on Equity
High ROE: 0R7S's Return on Equity (10.6%) is considered low.
How is Svenska Handelsbanken's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0R7S has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0R7S's debt is not covered by short term assets (assets are 0.2x debt).
Financial Institutions Analysis
Asset Level: 0R7S's level of assets compared to its equity is moderate.
Allowance for Bad Loans: 0R7S has a low allowance for bad loans.
Low Risk Liabilities: 0R7S's liabilities are made up of primarily higher risk sources of funding.
Loan Level: 0R7S has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0R7S has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: 0R7S has an appropriate level of bad loans (0.38%)
What is Svenska Handelsbanken's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 0R7S's dividend (7.18%) is higher than the bottom 25% of dividend payers in the UK market (2.68%).
High Dividend: 0R7S's dividend (7.18%) is low compared to the top 25% of dividend payers in the UK market (7.57%).
Stability and Growth of Payments
Stable Dividend: 0R7S's dividends per share have been stable in the past 10 years.
Growing Dividend: 0R7S's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (63.6%), 0R7S's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0R7S's dividends in 3 years are forecast to be covered by earnings (66.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Carina Åkerström (57yo)
Ms. Carina Åkerström has been President, Group Chief Executive and Executive Director of Svenska Handelsbanken AB (publ) since March 27, 2019. Ms. Åkerström served as Deputy Group Chief Executive at Svensk ...
CEO Compensation Analysis
Compensation vs Market: Carina's total compensation ($USD1.23M) is below average for companies of similar size in the UK market ($USD5.46M).
Compensation vs Earnings: Carina's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Executive Officer||no data||no data||0.00018% SEK273.6k|
|CFO & CFO of Handelsbanken||no data||no data||no data|
|Chief Information Officer of IT & Infrastructure||0.17yr||no data||no data|
|Head of Investor Relations||2.58yrs||no data||no data|
|Chief Legal Officer of Group Legal||5.08yrs||no data||no data|
|Chief Compliance Officer & Executive Director||0.083yr||no data||no data|
|Chief Communications Officer of Group Communications & Sustainability and Executive Director||no data||no data||no data|
|Group Chief Human Resources Officer & Executive Director||1yr||no data||0.000050% SEK76.0k|
|Head of Retail & E-Services||9.17yrs||no data||no data|
Experienced Management: 0R7S's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.
|Independent Vice Chairman of the Board||12yrs||no data||1.04% SEK1.6b|
|Independent Chairman of the Board||5.08yrs||no data||0.0050% SEK7.7m|
|Chairman of Handel Och Industri||11.25yrs||no data||no data|
|Chairman of Norway Regional Bank||no data||no data||no data|
|Chairman of Southern Sweden Regional Bank||no data||no data||no data|
|Chairman of Central Sweden Regional Bank||no data||no data||no data|
|Chairman of Eastern Sweden Regional Bank||no data||no data||no data|
|Chairman of Subsidiary||no data||no data||no data|
|Chairman of Western Sweden Regional Bank||no data||no data||no data|
Experienced Board: 0R7S's board of directors are considered experienced (8.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Svenska Handelsbanken AB (publ)'s company bio, employee growth, exchange listings and data sources
- Name: Svenska Handelsbanken AB (publ)
- Ticker: 0R7S
- Exchange: LSE
- Founded: 1871
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: kr152.026b
- Shares outstanding: 1.98b
- Website: https://www.handelsbanken.se
Number of Employees
- Svenska Handelsbanken AB (publ)
- Kungsträdgårdsgatan 2
- Stockholm County
- 106 70
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|SVNL.F||OTCPK (Pink Sheets LLC)||Yes||Class A Ordinary Shares||US||USD||Jan 1981|
|SHB A||OM (OMX Nordic Exchange Stockholm)||Yes||Class A Ordinary Shares||SE||SEK||Jan 1981|
|SVHH||DB (Deutsche Boerse AG)||Yes||Class A Ordinary Shares||DE||EUR||Jan 1981|
|0R7R||LSE (London Stock Exchange)||Yes||Class A Ordinary Shares||GB||SEK||Jan 1981|
|0R7R||LSE (London Stock Exchange)||Yes||Class A Ordinary Shares||GB||SEK||Jan 1981|
|SHB B||OM (OMX Nordic Exchange Stockholm)||Class B Ordinary Shares||SE||SEK||Jan 1992|
|0R7S||LSE (London Stock Exchange)||Class B Ordinary Shares||GB||SEK||Jan 1992|
|SVHG||DB (Deutsche Boerse AG)||Class B Ordinary Shares||DE||EUR||Jan 1992|
|SVNL.Y||OTCPK (Pink Sheets LLC)||ADR||US||USD||Oct 2008|
Svenska Handelsbanken AB (publ) provides various banking products and services for private and corporate customers primarily in Sweden, the United Kingdom, Norway, Denmark, Finland, and the Netherlands. The company offers savings, business, currency, and investment accounts and deposits, as well as accounts for cash pool, and forestry and agriculture; mortgage and committed loans, and private loans, as well as business debt services; mutual funds; pension products; and accounts, business card, and payment and reconciliation services. It also provides financing for investments, such as equipment, cars, computers, and other inventories, as well as real estate financing services; green loans and advisor services; investment and other financing services; medical care and group and health insurance products; and online and mobile banking services. In addition, the company offers trade finance, cash management, risk management, and foreign exchange services, as well as various banking services for children and young people. It operates approximately 383 branches in Sweden; and 56 branches in Denmark, 36 in Finland, 207 in the United Kingdom, 29 in the Netherlands, and 47 in Norway, as well as branches in 11 countries. Svenska Handelsbanken AB (publ) was founded in 1871 and is headquartered in Stockholm, Sweden.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 21:25|
|End of Day Share Price||2020/04/01 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.