SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - Euronext Paris - Matif - FR0000121709 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to SK. SK was compared to 30 industry peers in the Household Durables industry. There are concerns on the financial health of SK while its profitability can be described as average. SK is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SK was profitable.
In the past year SK had a positive cash flow from operations.
SK had positive earnings in each of the past 5 years.
In the past 5 years SK always reported a positive cash flow from operatings.
1.2 Ratios
SK has a Return On Assets of 2.49%. This is comparable to the rest of the industry: SK outperforms 43.33% of its industry peers.
Looking at the Return On Equity, with a value of 7.08%, SK is in line with its industry, outperforming 50.00% of the companies in the same industry.
The Return On Invested Capital of SK (6.43%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for SK is significantly below the industry average of 15.82%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROIC | 6.43% |
ROA(3y)3.38%
ROA(5y)3.57%
ROE(3y)9.71%
ROE(5y)11.3%
ROIC(3y)6.79%
ROIC(5y)6.79%
1.3 Margins
SK has a Profit Margin of 2.81%. This is comparable to the rest of the industry: SK outperforms 43.33% of its industry peers.
SK's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 7.02%, SK is in line with its industry, outperforming 56.67% of the companies in the same industry.
SK's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 40.62%, SK is in line with its industry, outperforming 53.33% of the companies in the same industry.
SK's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.02% | ||
| PM (TTM) | 2.81% | ||
| GM | 40.62% |
OM growth 3Y-9.35%
OM growth 5Y-5.03%
PM growth 3Y-20.71%
PM growth 5Y-11.48%
GM growth 3Y1.77%
GM growth 5Y1.07%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SK is creating some value.
Compared to 1 year ago, SK has less shares outstanding
SK has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SK has an improved debt to assets ratio.
2.2 Solvency
SK has an Altman-Z score of 2.11. This is not the best score and indicates that SK is in the grey zone with still only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.11, SK perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
SK has a debt to FCF ratio of 9.66. This is a negative value and a sign of low solvency as SK would need 9.66 years to pay back of all of its debts.
SK has a Debt to FCF ratio (9.66) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.67 indicates that SK is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.67, SK is doing worse than 63.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.11 |
ROIC/WACC1.19
WACC5.4%
2.3 Liquidity
SK has a Current Ratio of 1.21. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
SK has a worse Current ratio (1.21) than 70.00% of its industry peers.
SK has a Quick Ratio of 1.21. This is a bad value and indicates that SK is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.74, SK is not doing good in the industry: 70.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 |
3. Growth
3.1 Past
SK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.19%.
SK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.30% yearly.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.
SK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.37% yearly.
EPS 1Y (TTM)-39.19%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-56.98%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
3.2 Future
Based on estimates for the next years, SK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.89% on average per year.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y5.59%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue Next Year4.26%
Revenue Next 2Y4.4%
Revenue Next 3Y4.53%
Revenue Next 5Y3.71%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 19.30, SK is valued on the expensive side.
SK's Price/Earnings ratio is a bit more expensive when compared to the industry. SK is more expensive than 60.00% of the companies in the same industry.
SK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.45.
With a Price/Forward Earnings ratio of 9.08, the valuation of SK can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SK is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.90. SK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.3 | ||
| Fwd PE | 9.08 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SK is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.3 | ||
| EV/EBITDA | 6.53 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.45
PEG (5Y)N/A
EPS Next 2Y8.53%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 3.38%.
Compared to an average industry Dividend Yield of 4.66, SK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, SK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
5.2 History
The dividend of SK is nicely growing with an annual growth rate of 7.10%!
Dividend Growth(5Y)7.1%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
SK pays out 83.58% of its income as dividend. This is not a sustainable payout ratio.
SK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP83.58%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPA:SK (7/4/2025, 7:00:00 PM)
81.65
-1.2 (-1.45%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners25.4%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap4.52B
Analysts86
Price Target127.81 (56.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP83.58%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.09%
PT rev (3m)-7.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.18%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.3 | ||
| Fwd PE | 9.08 | ||
| P/S | 0.55 | ||
| P/FCF | 14.3 | ||
| P/OCF | 8.49 | ||
| P/B | 1.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.53 |
EPS(TTM)4.23
EY5.18%
EPS(NY)9
Fwd EY11.02%
FCF(TTM)5.71
FCFY6.99%
OCF(TTM)9.62
OCFY11.78%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)3.45
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROCE | 9.95% | ||
| ROIC | 6.43% | ||
| ROICexc | 7.82% | ||
| ROICexgc | 21.64% | ||
| OM | 7.02% | ||
| PM (TTM) | 2.81% | ||
| GM | 40.62% | ||
| FCFM | 3.82% |
ROA(3y)3.38%
ROA(5y)3.57%
ROE(3y)9.71%
ROE(5y)11.3%
ROIC(3y)6.79%
ROIC(5y)6.79%
ROICexc(3y)8.58%
ROICexc(5y)9.3%
ROICexgc(3y)23.46%
ROICexgc(5y)26.18%
ROCE(3y)10.58%
ROCE(5y)10.81%
ROICexcg growth 3Y-12.16%
ROICexcg growth 5Y0.44%
ROICexc growth 3Y-12.09%
ROICexc growth 5Y-3.37%
OM growth 3Y-9.35%
OM growth 5Y-5.03%
PM growth 3Y-20.71%
PM growth 5Y-11.48%
GM growth 3Y1.77%
GM growth 5Y1.07%
F-Score7
Asset Turnover0.89
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Debt/EBITDA | 2.52 | ||
| Cap/Depr | 73.45% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | 7.1 | ||
| Cash Conversion | 60.86% | ||
| Profit Quality | 136.16% | ||
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 | ||
| Altman-Z | 2.11 |
F-Score7
WACC5.4%
ROIC/WACC1.19
Cap/Depr(3y)72.69%
Cap/Depr(5y)72.6%
Cap/Sales(3y)2.58%
Cap/Sales(5y)2.6%
Profit Quality(3y)122.9%
Profit Quality(5y)141.54%
High Growth Momentum
Growth
EPS 1Y (TTM)-39.19%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-56.98%
EPS Next Y5.59%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
Revenue Next Year4.26%
Revenue Next 2Y4.4%
Revenue Next 3Y4.53%
Revenue Next 5Y3.71%
EBIT growth 1Y-16.73%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year46.05%
EBIT Next 3Y18.89%
EBIT Next 5YN/A
FCF growth 1Y-62.63%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-47.85%
OCF growth 3Y-2.43%
OCF growth 5Y-4.83%