SEB SA (SK.PA) Stock Fundamental Analysis
Europe - EPA:SK - FR0000121709 - Common Stock
47 EUR
-0.7 (-1.47%)
Taking everything into account, SK scores 4 out of 10 in our fundamental rating. SK was compared to 35 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SK was profitable.
SK had a positive operating cash flow in the past year.
Each year in the past 5 years SK has been profitable.
In the past 5 years SK always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.46%, SK is in line with its industry, outperforming 51.43% of the companies in the same industry.
SK has a Return On Equity (4.53%) which is in line with its industry peers.
The Return On Invested Capital of SK (4.76%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for SK is below the industry average of 9.51%.
| 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
Looking at the Profit Margin, with a value of 1.60%, SK is in line with its industry, outperforming 48.57% of the companies in the same industry.
In the last couple of years the Profit Margin of SK has declined.
With a Operating Margin value of 5.48%, SK perfoms like the industry average, outperforming 54.29% of the companies in the same industry.
SK's Operating Margin has declined in the last couple of years.
The Gross Margin of SK (40.54%) 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.
Compared to 1 year ago, SK has less shares outstanding
The number of shares outstanding for SK has been reduced compared to 5 years ago.
Compared to 1 year ago, SK has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 1.87 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.87, SK is in line with its industry, outperforming 51.43% of the companies in the same industry.
SK has a debt to FCF ratio of 21.56. This is a negative value and a sign of low solvency as SK would need 21.56 years to pay back of all of its debts.
SK has a Debt to FCF ratio (21.56) which is in line with its industry peers.
A Debt/Equity ratio of 1.01 is on the high side and indicates that SK has dependencies on debt financing.
SK has a Debt to Equity ratio of 1.01. This is in the lower half of the industry: SK underperforms 77.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.87 |
ROIC/WACC0.98
WACC4.88%
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 Current ratio of 1.22. This is in the lower half of the industry: SK underperforms 60.00% 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.
With a Quick ratio value of 0.61, SK is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| 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%.
Measured over the past years, SK shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.30% on average per year.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 1.71%.
SK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.37% yearly.
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
The Earnings Per Share is expected to grow by 6.63% on average over the next years.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y-18.55%
EPS Next 2Y-1.63%
EPS Next 3Y2.89%
EPS Next 5Y6.63%
Revenue Next Year1.43%
Revenue Next 2Y2.82%
Revenue Next 3Y3.43%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 19.50, SK is valued on the expensive side.
SK's Price/Earnings is on the same level as the industry average.
SK is valuated rather cheaply when we compare the Price/Earnings ratio to 25.83, which is the current average of the S&P500 Index.
SK is valuated cheaply with a Price/Forward Earnings ratio of 5.70.
Based on the Price/Forward Earnings ratio, SK is valued cheaper than 85.71% of the companies in the same industry.
SK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.5 | ||
| Fwd PE | 5.7 |
4.2 Price Multiples
SK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SK is cheaper than 65.71% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, SK is valued a bit cheaper than 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.72 | ||
| EV/EBITDA | 6.05 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.63%
EPS Next 3Y2.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 5.87%, which is a nice return.
In the last 3 months the price of SK has falen by -28.35%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
SK's Dividend Yield is a higher than the industry average which is at 4.83.
SK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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 155.61% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP155.61%
EPS Next 2Y-1.63%
EPS Next 3Y2.89%
EPA:SK (11/7/2025, 7:00:00 PM)
47
-0.7 (-1.47%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners31.67%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.60B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price Target91.99 (95.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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)-18.98%
PT rev (3m)-28.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-22.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.5 | ||
| Fwd PE | 5.7 | ||
| P/S | 0.31 | ||
| P/FCF | 16.72 | ||
| P/OCF | 6.55 | ||
| P/B | 0.89 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.05 |
EPS(TTM)2.41
EY5.13%
EPS(NY)8.24
Fwd EY17.54%
FCF(TTM)2.81
FCFY5.98%
OCF(TTM)7.17
OCFY15.26%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number53.59
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%
ROICexgc growth 3Y-12.16%
ROICexgc 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 | 1.87 |
F-Score5
WACC4.88%
ROIC/WACC0.98
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-18.55%
EPS Next 2Y-1.63%
EPS Next 3Y2.89%
EPS Next 5Y6.63%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
Revenue Next Year1.43%
Revenue Next 2Y2.82%
Revenue Next 3Y3.43%
Revenue Next 5Y3.71%
EBIT growth 1Y-40.6%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year30.51%
EBIT Next 3Y15.79%
EBIT Next 5Y15.62%
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%
SEB SA / SK.PA FAQ
What is the fundamental rating for SK stock?
ChartMill assigns a fundamental rating of 4 / 10 to SK.PA.
What is the valuation status for SK stock?
ChartMill assigns a valuation rating of 5 / 10 to SEB SA (SK.PA). This can be considered as Fairly Valued.
Can you provide the profitability details for SEB SA?
SEB SA (SK.PA) has a profitability rating of 4 / 10.
What is the valuation of SEB SA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SEB SA (SK.PA) is 19.5 and the Price/Book (PB) ratio is 0.89.
What is the financial health of SEB SA (SK.PA) stock?
The financial health rating of SEB SA (SK.PA) is 3 / 10.