Which Is a Better Investment, Discover Financial Services or Swedbank AB (ADR) Stock?

By Eunice Kim
August 01, 2026
Large versus logo comparing two stocks in the same industry
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Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Swedbank AB (publ) or Swedbank AB (publ) because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Swedbank AB (publ) and Swedbank AB (publ) compare based on key financial metrics to determine which better meets your investment needs.

About Swedbank AB (publ) and Swedbank AB (publ)

Swedbank AB (publ) provides banking products and services to private and corporate customers in Sweden, Estonia, Latvia, Lithuania, Norway, the United States, Finland, Denmark, Luxembourg, and China. It operates through Swedish Banking; Baltic Banking; Corporates and Institutions; and Premium and Private Banking segments. The company offers saving and investment solutions, such as savings accounts, mutual funds and insurance savings, pension savings, institutional asset management, and other savings and investment products; financing solutions, including private residential lending, consumer financing, corporate lending, leasing, and other financing products, as well as trade finance and factoring services; and payment and card services, which include current accounts, cash management, cash handling, debit and credit cards, and card acquiring, as well as domestic, international, mobile, document, and other payment products. It also provides trading and capital market products, such as equity trading, structured products, corporate finance, custody services, fixed income and currency trading, and other capital market products; other services, including administrative services, treasury operations, real estate brokerage and management services, legal services, and safe deposit boxes; and private banking services. In addition, the company offers pension insurance and plans, endowment insurance, and personal insurance products; mortgage lending; mortgage lending; advisory services and investment banking; and transaction banking services comprising cash management, securities, account, and clearing and settlement services, as well as Internet and mobile banking services. The company was formerly known as ForeningsSparbanken AB and changed its name to Swedbank AB (publ) in September 2006. Swedbank AB (publ) was founded in 1820 and is headquartered in Sundbyberg, Sweden.

Swedbank AB (publ) provides banking products and services to private and corporate customers in Sweden, Estonia, Latvia, Lithuania, Norway, the United States, Finland, Denmark, Luxembourg, and China. It operates through Swedish Banking; Baltic Banking; Corporates and Institutions; and Premium and Private Banking segments. The company offers saving and investment solutions, such as savings accounts, mutual funds and insurance savings, pension savings, institutional asset management, and other savings and investment products; financing solutions, including private residential lending, consumer financing, corporate lending, leasing, and other financing products, as well as trade finance and factoring services; and payment and card services, which include current accounts, cash management, cash handling, debit and credit cards, and card acquiring, as well as domestic, international, mobile, document, and other payment products. It also provides trading and capital market products, such as equity trading, structured products, corporate finance, custody services, fixed income and currency trading, and other capital market products; other services, including administrative services, treasury operations, real estate brokerage and management services, legal services, and safe deposit boxes; and private banking services. In addition, the company offers pension insurance and plans, endowment insurance, and personal insurance products; mortgage lending; mortgage lending; advisory services and investment banking; and transaction banking services comprising cash management, securities, account, and clearing and settlement services, as well as Internet and mobile banking services. The company was formerly known as ForeningsSparbanken AB and changed its name to Swedbank AB (publ) in September 2006. Swedbank AB (publ) was founded in 1820 and is headquartered in Sundbyberg, Sweden.

Latest Banks and Swedbank AB (publ), Swedbank AB (publ) Stock News

As of July 31, 2026, Swedbank AB (publ) had a $44.9 billion market capitalization, compared to the Banks median of $716.9 million. Swedbank AB (publ)’s stock is up 15.5% in 2026, up 4.9% in the previous five trading days and up 49.57% in the past year.

Currently, Swedbank AB (publ) does not have a price-earnings ratio. Swedbank AB (publ)’s trailing 12-month revenue is $7.1 billion with a 45.1% net profit margin. As of July 31, 2026, Swedbank AB (publ) has not reported significant year-over-year quarterly sales. There are no analysts providing consensus earnings estimates for the current fiscal year. Swedbank AB (publ) does not currently pay a dividend.

As of July 31, 2026, Swedbank AB (publ) had a $44.9 billion market cap, putting it in the 93rd percentile of all stocks. Swedbank AB (publ)’s stock is up 15.5% in 2026, up 4.9% in the previous five trading days and up 49.57% in the past year.

Currently, Swedbank AB (publ) does not have a price-earnings ratio. Swedbank AB (publ)’s trailing 12-month revenue is $7.1 billion with a 45.1% net profit margin. As of July 31, 2026, Swedbank AB (publ) has not reported significant year-over-year quarterly sales. There are no analysts providing consensus earnings estimates for the current fiscal year. Swedbank AB (publ) does not currently pay a dividend.

How We Compare Swedbank AB (publ) and Swedbank AB (publ) Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Swedbank AB (publ) and Swedbank AB (publ)’s stock grades to see how they measure up against one another.

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Swedbank AB (publ) and Swedbank AB (publ) Stock Value Grades

Company Ticker Value
Swedbank AB (publ) SWDBY na
Swedbank AB (publ) SWDBY na

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Swedbank AB (publ) does not have a meaningful Value Score. Swedbank AB (publ) does not have a meaningful Value Score.

The Value Stock Winner: No Clear Winner

Neither Swedbank AB (publ) or Swedbank AB (publ) has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Swedbank AB (publ) or Swedbank AB (publ) is the better investment when it comes to value.

Swedbank AB (publ) and Swedbank AB (publ) Growth Grades

Company Ticker Growth
Swedbank AB (publ) SWDBY D
Swedbank AB (publ) SWDBY D

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Swedbank AB (publ) has a Growth Score of 38, which is Weak. Swedbank AB (publ) has a Growth Score of 38, which is Weak.

The Growth Stock Winner: No Clear Winner

Neither Swedbank AB (publ) or Swedbank AB (publ) has a high enough Growth Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Swedbank AB (publ) or Swedbank AB (publ) is the better investment when it comes to sustainable growth.

Swedbank AB (publ) and Swedbank AB (publ)’s Quality Grades

Company Ticker Quality
Swedbank AB (publ) SWDBY F
Swedbank AB (publ) SWDBY F

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Swedbank AB (publ) has a Quality Score of 11, which is Very Weak. Swedbank AB (publ) has a Quality Score of 11, which is Very Weak.

The Quality Stock Winner: No Clear Winner

Neither Swedbank AB (publ) or Swedbank AB (publ) has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Swedbank AB (publ) or Swedbank AB (publ) is the better investment when it comes to quality.

Don’t Forget Your Free Special Report on How A+ Grades Can Help You Make Investment Decisions

Other Swedbank AB (publ) and Swedbank AB (publ) Grades

In addition to Quality, Growth and Value, A+ Investor also provides grades for Momentum and Estimate Revisions.

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Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Swedbank AB (publ) and Swedbank AB (publ) pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Swedbank AB (publ) or Swedbank AB (publ) Stock?

Overall, Swedbank AB (publ) stock has a Value Score of , Growth Score of 38 and Quality Score of 11.

Swedbank AB (publ) stock has a Value Score of , Growth Score of 38 and Quality Score of 11.

Comparing Swedbank AB (publ) and Swedbank AB (publ)’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

Learn More About A+ Investor

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.



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