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Swedbank ABSWDBF 69 Cash-to-Debt is 0.26 as of Jun. 2026, which is 26% below its 10-year median of 0.35. GuruFocus rates SWDBF with a GF Score™ of 69/100 and a GF Value™ of $22.16 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,491 Banks companies, Swedbank AB ranks worse than 86.32% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Swedbank AB's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.26.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Swedbank ABcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Swedbank AB's Cash-to-Debt or its related term are showing as below:
SWDBF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.14 Med: 0.35 Max: 0.66
Current: 0.26
During the past 13 years, Swedbank AB's highest Cash to Debt Ratio was 0.66. The lowest was 0.14. And the median was 0.35.
SWDBF's Cash-to-Debt is ranked worse than 86.32% of 1491
companies
in the Banks industry
Industry Median: 1.47
vs SWDBF: 0.26
Swedbank AB (OTCPK:SWDBF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Swedbank AB Cash-to-Debt Related Terms
Swedbank AB Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Swedbank AB's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Swedbank AB's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Swedbank AB Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Swedbank AB's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Swedbank AB's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Swedbank AB (SWDBF) has a Cash-to-Debt of 0.26 as of Jun. 2026. This is 26% below median its historical median of 0.35. Over the past decade, Swedbank AB's Cash-to-Debt has ranged from 0.14 to 0.66. According to the industry distribution chart, Swedbank AB ranks #1287 out of 1491 companies in the Banks industry, placing it in the top 86.3%.
Is Swedbank AB's Cash-to-Debt too high?
Swedbank AB's current Cash-to-Debt of 0.26 is 26% below median its 10-year median of 0.35. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.66. The Banks industry median Cash-to-Debt is 1.47. Swedbank AB's value of 0.26 is 82.3% below this industry median. Based on the distribution chart, Swedbank AB ranks #1287 out of 1491 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Swedbank AB has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swedbank AB's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Swedbank AB ranks #1287 out of 1491 companies for Cash-to-Debt. This places Swedbank AB in the lower half of its industry. The industry median Cash-to-Debt is 1.47. Swedbank AB's value of 0.26 is 82.3% below this benchmark. Historically, Swedbank AB's own Cash-to-Debt has ranged from 0.14 to 0.66 over the past decade. While the company's 10-year median is 0.35 vs. the industry median of 1.47, Swedbank AB has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.47, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Swedbank AB's current Cash-to-Debt of 0.26 is 82.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swedbank AB's current Cash-to-Debt is 0.26, which is 26% below median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swedbank AB stock overvalued right now?
Based on GuruFocus' analysis, Swedbank AB (SWDBF) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.16, compared to a current price of $36.70 — trading 65.6% above its estimated fair value. The current Cash-to-Debt is 0.26, which is 26% below median its 10-year median of 0.35 and 82.3% below the Banks industry median of 1.47. Swedbank AB's overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Swedbank AB (SWDBF), the current Cash-to-Debt is 0.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Swedbank AB (SWDBF) Overvalued in 2026?
Based on GuruFocus' analysis, Swedbank AB stock appears to be overvalued.
The current stock price of $36.70 is trading 65.6% above its estimated GF Value™ of $22.16.
GuruFocus considers Swedbank AB to be Significantly Overvalued.
Key valuation signals for SWDBF:
Cash-to-Debt: 0.26 (26% below median its 10-year median of 0.35)
GF Value™: $22.16 vs. price of $36.70 (65.6% above fair value)
Industry Position: 82.3% below the Banks median (#1287 of 1491)
No single metric tells the full story. See the SWDBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swedbank is one of the largest retail banks in Sweden, where it derives the lion's share of its income. The bank is the result of merging savings and union banks in Sweden in the aftermath of the financial crisis in the early 1990s in Sweden. The remaining independent savings banks in Sweden remain in close collaboration with Swedbank, acting as an additional product distribution channel to Swedbank and sharing Swedbank's IT systems and part of its development costs. In addition, the bank operates in the three Baltic states: Estonia, Latvia, and Lithuania.
69GF Score
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