Valuation Result

Final Brand Value

Landshypotek — Banks

Valuation date: 10/29/2026

Total Brand Value

SEK 312.1M

This result turns the selected legal, brand, benchmark and discount-rate assumptions into one reviewable brand value estimate.

Brand Strength

64/100

Royalty Rate

2.2%

Discount Rate

9.0%

Benchmark recommendation not unlocked for this result

Sensitivity snapshot

Quick decision check for discount rate, royalty rate and long-term growth.

Variable

Lower input

Current

Higher input

WACC (Discount Rate)

9.0%

-1.0%

SEK 358.7M

9.0%

SEK 312.1M

+1.0%

SEK 276.5M

Royalty Rate

2.2%

-0.5%

SEK 242.5M

2.2%

SEK 312.1M

+0.5%

SEK 381.8M

Terminal Growth

1.5%

-0.5%

SEK 297.4M

1.5%

SEK 312.1M

+0.5%

SEK 329.0M

Brand Strength changes can also be explored to show their potential effect on brand value. Contact info@brandvaluator.se if you want to explore this for strategy, planning and budgeting.

Revenue Base

SEK 1.2B

Legal Protection

78/100

Long-term Growth

1.5%

Recommendation basis

Brand-strength range • Pro

This reference case derives its royalty rate by applying the brand-strength score to a documented industry royalty ceiling.

This valuation uses benchmark support informed by external market references and curated internal calibration.

Use this section to confirm whether the result reflects unlocked benchmark guidance or a non-benchmark method.

Forecast profile

5 years explicit forecast

High growth: 3.0%

Base growth: 2.0%

Long-term growth: 1.5%

Value build

Value for planning period: SEK 92.5M

Terminal value: SEK 219.7M

How the valuation is built

Valuation Build

Royalty Relief DCF

Year	Revenue	Royalty	After Tax	PV
Y1	SEK 1,218,490,000	SEK 27,294,176	SEK 21,671,576	SEK 20,757,607
Y2	SEK 1,255,044,700	SEK 28,113,001	SEK 22,321,723	SEK 19,614,990
Y3	SEK 1,292,696,041	SEK 28,956,391	SEK 22,991,375	SEK 18,535,269
Y4	SEK 1,318,549,962	SEK 29,535,519	SEK 23,451,202	SEK 17,344,934
Y5	SEK 1,344,920,961	SEK 30,126,230	SEK 23,920,226	SEK 16,231,042
Explicit PV (Y1–Y5)				SEK 92,483,841
Terminal Value (undiscounted)				SEK 323,721,258
Terminal PV (discounted)				SEK 219,660,687
Total Brand Value				SEK 312,144,529

Supporting context

This section explains the evidence and judgment used to support the recommendation and the legal, brand and financial assumptions used in the valuation.

Reference case

Landshypotek

Prepared reference case

Swedish mortgage, savings and rural-enterprise banking case anchored to Landshypotek Bank 2025 total operating income. It values the customer-facing Landshypotek Bank franchise, not the loan portfolio, covered bonds, customer deposits, member capital or the wider value of the Landshypotek Economic Association.

Informed by numerous sources including company reporting, investor materials, analyst research, market data and selected benchmark references where relevant.

Key inputs

Reported = directly sourced • Estimated = selected judgment • Inferred = derived from broader evidence • Assumed = inclusion choice

Revenue base

SEK 1.183bnreported

Planning growth

3.00% for 3 years, then 2.00%estimated

Long-term growth

1.50%estimated

Royalty rate selected

2.24%estimated

Discount rate

9.00%estimated

Brand Strength

64/100 (C+)estimated

Legal analysis

78/100estimated

Company disclosures

These links lead to company-issued materials. BrandValuator cross-checks indicative estimates against multiple sources; the final assumptions and judgments are our own. Each input is labeled by evidence status above.

Landshypotek Bank annual report 2025 Landshypotek Bank 2025 annual report announcement

Legal Protection

trademark Status82

scope Of Rights78

risk Profile72

litigation76

contractual Rights78

goodwill Evidence82

regulatory Compliance78

Brand Strength

marketing Investment65

quality76

availability69

distinctive Brand Codes72

mental Availability58

consideration64

trust77

choice Share61

penetration56

price Elasticity64

revenue Premium62

margin Premium60

stability73