Swedbank AB (FRA:FRY) Margin of Safety % (DCF Earnings Based): 21.84% (As of Jun. 24, 2026)


FRA:FRY Swedbank AB FRA:FRY
70 GF Score
Price €32.20
GF Value €19.63
Valuation Significantly Overvalued
! 10 Warning Signs
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What is Swedbank AB Margin of Safety % (DCF Earnings Based)?

Swedbank AB FRA:FRY +0.63% 70 Margin of Safety % (DCF Earnings Based) is 21.84% as of Jun. 24, 2026. GuruFocus rates FRA:FRY with a GF Score™ of 70/100 and a GF Value™ of €19.63 (Significantly Overvalued). The stock has 10 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Swedbank AB's Predictability Rank is 3.5-Stars. Swedbank AB's intrinsic value calculated from the Discounted Earnings model is €41.20 and current share price is €32.20. Consequently,

Swedbank AB's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 21.84%.

FRA:FRY vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Swedbank AB's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Swedbank AB's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Swedbank AB's Margin of Safety % (DCF Earnings Based) falls into.


FRA:FRY
70GF Score
Swedbank AB FRA:FRY
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Swedbank AB Margin of Safety % (DCF Earnings Based) Calculation

Swedbank AB's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(41.20-32.20)/41.20
=21.84 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 21.84% mean?
Swedbank AB (FRA:FRY) has a Margin of Safety % (DCF Earnings Based) of 21.84% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Swedbank AB.
Is Swedbank AB's Margin of Safety % (DCF Earnings Based) too high?
Swedbank AB's current Margin of Safety % (DCF Earnings Based) is 21.84%. Overall, Swedbank AB has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swedbank AB's Margin of Safety % (DCF Earnings Based) compare to PNC?
Swedbank AB's Margin of Safety % (DCF Earnings Based) of 21.84% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Swedbank AB. Swedbank AB's current Margin of Safety % (DCF Earnings Based) is 21.84%. 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 (FRA:FRY) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.63, compared to a current price of €32.20 — trading 64% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 21.84%. Swedbank AB's overall GF Score™ is 70/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Swedbank AB (FRA:FRY), the current Margin of Safety % (DCF Earnings Based) is 21.84% as of Jun. 24, 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 (FRA:FRY) Overvalued in 2026?

Based on GuruFocus' analysis, Swedbank AB stock appears to be overvalued. The current stock price of €32.20 is trading 64% above its estimated GF Value™ of €19.63. GuruFocus considers Swedbank AB to be Significantly Overvalued.

Key valuation signals for FRA:FRY:

  • Margin of Safety % (DCF Earnings Based): 21.84%
  • GF Value™: €19.63 vs. price of €32.20 (64% above fair value)
  • GF Score™: 70/100 with 10 warning signs

No single metric tells the full story. See the FRA:FRY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Swedbank AB Business Description

Address Landsvagen 40, Sundbyberg, Stockholm, SWE, 17263
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.
70GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.20
Price
€19.63
GF Value