SEB SA (SK.PA) Stock Fundamental Analysis
Europe - EPA:SK - FR0000121709 - Common Stock
60.15 EUR
+0.1 (+0.17%)
SK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 32 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 not valued too expensively and it also shows 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.
SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.46%, SK perfoms like the industry average, outperforming 43.75% of the companies in the same industry.
SK's Return On Equity of 4.53% is in line compared to the rest of the industry. SK outperforms 46.88% of its industry peers.
With a Return On Invested Capital value of 4.76%, SK perfoms like the industry average, outperforming 46.88% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SK is below the industry average of 9.97%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 4.53% | ||
| ROIC | 4.76% |
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's Profit Margin of 1.60% is in line compared to the rest of the industry. SK outperforms 43.75% of its industry peers.
In the last couple of years the Profit Margin of SK has declined.
SK has a Operating Margin (5.48%) which is comparable to the rest of the industry.
SK's Operating Margin has declined in the last couple of years.
SK has a Gross Margin (40.54%) which is comparable to the rest of the industry.
SK's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.48% | ||
| PM (TTM) | 1.6% | ||
| GM | 40.54% |
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.
SK has less shares outstanding than it did 1 year ago.
SK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SK has been reduced compared to a year ago.
2.2 Solvency
SK has an Altman-Z score of 1.94. 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.
SK has a Altman-Z score (1.94) which is comparable to the rest of the industry.
The Debt to FCF ratio of SK is 21.56, which is on the high side as it means it would take SK, 21.56 years of fcf income to pay off all of its debts.
SK has a Debt to FCF ratio of 21.56. This is comparable to the rest of the industry: SK outperforms 43.75% of its industry peers.
SK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SK (1.01) is worse than 84.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.94 |
ROIC/WACC0.97
WACC4.93%
2.3 Liquidity
A Current Ratio of 1.22 indicates that SK should not have too much problems paying its short term obligations.
SK has a worse Current ratio (1.22) than 68.75% of its industry peers.
SK has a Quick Ratio of 1.22. This is a bad value and indicates that SK is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of SK (0.61) is worse than 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.22 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
SK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -67.48%.
The Earnings Per Share has been decreasing by -9.30% on average over the past years.
The Revenue has been growing slightly by 1.71% in the past year.
The Revenue has been growing slightly by 2.37% on average over the past years.
EPS 1Y (TTM)-67.48%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-99.45%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
3.2 Future
SK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.75% yearly.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y-19.31%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPS Next 5Y6.75%
Revenue Next Year1.48%
Revenue Next 2Y2.88%
Revenue Next 3Y3.5%
Revenue Next 5Y3.71%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
SK is valuated rather expensively with a Price/Earnings ratio of 24.96.
The rest of the industry has a similar Price/Earnings ratio as SK.
Compared to an average S&P500 Price/Earnings ratio of 27.27, SK is valued at the same level.
A Price/Forward Earnings ratio of 7.28 indicates a rather cheap valuation of SK.
SK's Price/Forward Earnings ratio is rather cheap when compared to the industry. SK is cheaper than 90.63% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.77. SK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.96 | ||
| Fwd PE | 7.28 |
4.2 Price Multiples
SK's Enterprise Value to EBITDA is on the same level as the industry average.
SK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.39 | ||
| EV/EBITDA | 6.98 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.64%, SK is a good candidate for dividend investing.
In the last 3 months the price of SK has falen by -24.65%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 4.90, SK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, SK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
5.2 History
On average, the dividend of SK grows each year by 7.10%, which is quite nice.
Dividend Growth(5Y)7.1%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
SK pays out 155.61% of its income as dividend. This is not a sustainable payout ratio.
SK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP155.61%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPA:SK (9/16/2025, 1:00:56 PM)
60.15
+0.1 (+0.17%)
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 Cap3.33B
Analysts85
Price Target113.53 (88.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP155.61%
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)-1.3%
PT rev (3m)-12.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-23.58%
EPS NY rev (3m)-23.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)-2.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.96 | ||
| Fwd PE | 7.28 | ||
| P/S | 0.4 | ||
| P/FCF | 21.39 | ||
| P/OCF | 8.38 | ||
| P/B | 1.14 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.98 |
EPS(TTM)2.41
EY4.01%
EPS(NY)8.27
Fwd EY13.74%
FCF(TTM)2.81
FCFY4.67%
OCF(TTM)7.17
OCFY11.93%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 4.53% | ||
| ROCE | 7.6% | ||
| ROIC | 4.76% | ||
| ROICexc | 5.31% | ||
| ROICexgc | 11.76% | ||
| OM | 5.48% | ||
| PM (TTM) | 1.6% | ||
| GM | 40.54% | ||
| FCFM | 1.88% |
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-Score5
Asset Turnover0.91
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Debt/EBITDA | 4.03 | ||
| Cap/Depr | 84.76% | ||
| Cap/Sales | 2.92% | ||
| Interest Coverage | 4.98 | ||
| Cash Conversion | 53.77% | ||
| Profit Quality | 117.26% | ||
| Current Ratio | 1.22 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.94 |
F-Score5
WACC4.93%
ROIC/WACC0.97
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)-67.48%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-99.45%
EPS Next Y-19.31%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPS Next 5Y6.75%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
Revenue Next Year1.48%
Revenue Next 2Y2.88%
Revenue Next 3Y3.5%
Revenue Next 5Y3.71%
EBIT growth 1Y-40.6%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year46.05%
EBIT Next 3Y18.89%
EBIT Next 5Y15.74%
FCF growth 1Y-80.63%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-60.35%
OCF growth 3Y-2.43%
OCF growth 5Y-4.83%