Swedbank AB (FRA:FRY) OCF Margin %: -22.67% (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:FRY Swedbank AB FRA:FRY
70 GF Score
Price €33.00
GF Value €20.47
! 10 Warning Signs
View Full Analysis

What is Swedbank AB OCF Margin %?

Swedbank AB FRA:FRY 70 OCF Margin % is -22.67% as of Jun. 2026. GuruFocus rates FRA:FRY with a GF Score™ of 70/100 and a GF Value™ of €20.47. The stock has 10 warning signs investors should review. Among 1,503 Banks companies, Swedbank AB ranks worse than 85.83% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Swedbank AB's Cash Flow from Operations for the three months ended in Jun. 2026 was €-371 Mil. Swedbank AB's Revenue for the three months ended in Jun. 2026 was €1,639 Mil. Therefore, Swedbank AB's OCF Margin % for the quarter that ended in Jun. 2026 was -22.67%.

As of today, Swedbank AB's current OCF Yield % is -7.90%.

The historical rank and industry rank for Swedbank AB's OCF Margin % or its related term are showing as below:

FRA:FRY' s OCF Margin % Range Over the Past 10 Years
Min: -200.89   Med: 74.04   Max: 242.26
Current: -45.16

During the past 13 years, the highest OCF Margin % of Swedbank AB was 242.26%. The lowest was -200.89%. And the median was 74.04%.

FRA:FRY's OCF Margin % is ranked worse than
85.83% of 1503 companies
in the Banks industry
Industry Median: 29.55 vs FRA:FRY: -45.16

Swedbank AB OCF Margin % Related Terms

Swedbank AB OCF Margin % Historical Data

* Premium members only.

The historical data trend for Swedbank AB's OCF Margin % 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.

Swedbank AB OCF Margin % Chart

Swedbank AB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 105.79 -36.30 -200.89 110.21 -68.25

Swedbank AB Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -104.04 -34.63 -325.23 215.32 -22.67

FRA:FRY vs PNC, USB: OCF Margin % Comparison

For the Banks - Regional subindustry, Swedbank AB's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Swedbank AB's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Swedbank AB's OCF Margin % falls into.


FRA:FRY
70GF Score
Swedbank AB FRA:FRY
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Swedbank AB OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Swedbank AB's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-4258.468/6239.387
=-68.25 %

Swedbank AB's OCF Margin for the quarter that ended in Jun. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=-371.446/1638.669
=-22.67 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -22.67% mean?
Swedbank AB (FRA:FRY) has a OCF Margin % of -22.67% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Swedbank AB and its competitors. According to the industry distribution chart, Swedbank AB ranks #1290 out of 1503 companies in the Banks industry, placing it in the top 85.8%.
Is Swedbank AB's OCF Margin % too high?
Swedbank AB's current OCF Margin % is -22.67%. Based on the distribution chart, Swedbank AB ranks #1290 out of 1503 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Swedbank AB has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Swedbank AB's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Swedbank AB ranks #1290 out of 1503 companies for OCF Margin %. This places Swedbank AB in the lower half of its industry. The industry median OCF Margin % is 29.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.55, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Swedbank AB and its competitors. For the Banks industry, the median OCF Margin % is 29.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swedbank AB's current OCF Margin % is -22.67%. 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?
Swedbank AB (FRA:FRY) has a current OCF Margin % of -22.67%. The stock's GF Value™ is €20.47, compared to a current price of €33.00 — trading 61.2% above its estimated fair value. The current OCF Margin % is -22.67%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Swedbank AB (FRA:FRY), the current OCF Margin % is -22.67% 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 (FRA:FRY) Overvalued in 2026?

Based on GuruFocus' analysis, Swedbank AB stock appears to be overvalued. The current stock price of €33.00 is trading 61.2% above its estimated GF Value™ of €20.47.

Key valuation signals for FRA:FRY:

  • OCF Margin %: -22.67%
  • GF Value™: €20.47 vs. price of €33.00 (61.2% 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

Get the complete analysis for FRA:FRY

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€33.00
Price
€20.47
GF Value