Valuation Result
Final Brand Value
Skandiabanken — Banks
Valuation date: 10/29/2026
Total Brand Value
SEK 395.8M
This result turns the selected legal, brand, benchmark and discount-rate assumptions into one reviewable brand value estimate.
Brand Strength
75/100
Royalty Rate
3.0%
Discount Rate
10.0%
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)
10.0%
-1.0%
SEK 443.1M
10.0%
SEK 395.8M
+1.0%
SEK 357.9M
Royalty Rate
3.0%
-0.5%
SEK 329.8M
3.0%
SEK 395.8M
+0.5%
SEK 461.8M
Terminal Growth
1.0%
-0.5%
SEK 381.0M
1.0%
SEK 395.8M
+0.5%
SEK 412.3M
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 1.5B
Legal Protection
78/100
Long-term Growth
1.0%
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: 0.0%
Base growth: 1.0%
Long-term growth: 1.0%
Value build
Value for planning period: SEK 138.1M
Terminal value: SEK 257.7M
How the valuation is built
Valuation Build
| Year | Revenue | Royalty | After Tax | PV |
|---|---|---|---|---|
| Y1 | SEK 1,451,000,000 | SEK 43,530,000 | SEK 34,562,820 | SEK 32,954,359 |
| Y2 | SEK 1,451,000,000 | SEK 43,530,000 | SEK 34,562,820 | SEK 29,958,513 |
| Y3 | SEK 1,451,000,000 | SEK 43,530,000 | SEK 34,562,820 | SEK 27,235,017 |
| Y4 | SEK 1,465,510,000 | SEK 43,965,300 | SEK 34,908,448 | SEK 25,006,702 |
| Y5 | SEK 1,480,165,100 | SEK 44,404,953 | SEK 35,257,533 | SEK 22,960,703 |
| Explicit PV (Y1–Y5) | SEK 138,115,295 | |||
| Terminal Value (undiscounted) | SEK 395,668,746 | |||
| Terminal PV (discounted) | SEK 257,670,689 | |||
| Total Brand Value | SEK 395,785,984 |
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
Skandiabanken
Prepared reference case
Indicative value of the Skandia name in Swedish banking only. The group pension and insurance brands, bank permissions, loan portfolio, deposits and equity value are excluded.
This is a hypothetical banking-only use of the Skandia name, not a saleable standalone bank trademark or a valuation of the mutual insurance group. The 4.00% ceiling and 3.00% selected royalty are analyst assumptions, not an observed licence. Opening rent is about SEK 43.5m, 8.2% of FY2025 bank operating profit. The right-holder and intragroup licence terms have not been verified. Legal and behavioral scores are outside-in estimates, not a legal opinion or customer survey.
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 1.451bn FY2025 Skandiabanken operating incomereported
Planning growth
0.00% for 3 years, then 1.00%estimated
Long-term growth
1.00%estimated
Royalty rate selected
3.00%estimated
Discount rate
10.00%estimated
Brand Strength
75/100 (B+)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.
Legal Protection
trademark Status85
scope Of Rights80
risk Profile72
litigation74
contractual Rights79
goodwill Evidence82
regulatory Compliance76
Brand Strength
marketing Investment72
quality78
availability76
distinctive Brand Codes75
mental Availability79
consideration78
trust82
choice Share75
penetration74
price Elasticity66
revenue Premium68
margin Premium72
stability76