SEB SA (SK.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SK - FR0000121709 - Common Stock
49.2 EUR
+0.16 (+0.33%)
We assign a fundamental rating of 4 out of 10 to SK. SK was compared to 36 industry peers in the Household Durables industry. SK has a medium profitability rating, but doesn't score so well on its financial health evaluation. SK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
SK had positive earnings in the past year.
In the past year SK had a positive cash flow from operations.
In the past 5 years SK has always been profitable.
SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SK has a Return On Assets (1.46%) which is comparable to the rest of the industry.
With a Return On Equity value of 4.53%, SK perfoms like the industry average, outperforming 54.29% of the companies in the same industry.
SK has a Return On Invested Capital of 4.76%. This is comparable to the rest of the industry: SK outperforms 54.29% of its industry peers.
SK had an Average Return On Invested Capital over the past 3 years of 6.79%. This is below the industry average of 9.62%.
| 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 has a Profit Margin of 1.60%. This is comparable to the rest of the industry: SK outperforms 48.57% of its industry peers.
In the last couple of years the Profit Margin of SK has declined.
SK's Operating Margin of 5.48% is in line compared to the rest of the industry. SK outperforms 51.43% of its industry peers.
In the last couple of years the Operating Margin of SK has declined.
SK has a Gross Margin of 40.54%. This is comparable to the rest of the industry: SK outperforms 54.29% of its industry peers.
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
SK has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.
Compared to 1 year ago, SK has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 1.88 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of SK (1.88) is comparable to the rest of the 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's Debt to FCF ratio of 21.56 is in line compared to the rest of the industry. SK outperforms 48.57% of its industry peers.
A Debt/Equity ratio of 1.01 is on the high side and indicates that SK has dependencies on debt financing.
With a Debt to Equity ratio value of 1.01, SK is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.88 |
ROIC/WACC0.98
WACC4.85%
2.3 Liquidity
SK has a Current Ratio of 1.22. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of SK (1.22) is worse than 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: 85.71% 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
SK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.25% yearly.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y-43.42%
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
EPS Next 5Y3.25%
Revenue Next Year-1.41%
Revenue Next 2Y1.06%
Revenue Next 3Y2.15%
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
The Price/Earnings ratio is 20.41, which indicates a rather expensive current valuation of SK.
Compared to the rest of the industry, the Price/Earnings ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 62.86% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.49, SK is valued a bit cheaper.
SK is valuated cheaply with a Price/Forward Earnings ratio of 7.78.
77.14% of the companies in the same industry are more expensive than SK, based on the Price/Forward Earnings ratio.
SK is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.41 | ||
| Fwd PE | 7.78 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than the industry average as 65.71% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.5 | ||
| EV/EBITDA | 6.17 |
4.3 Compensation for Growth
A cheap valuation may be justified as SK's earnings are expected to decrease with -4.18% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 5.71%, which is a nice return.
Compared to an average industry Dividend Yield of 4.83, SK pays a bit more dividend than its industry peers.
SK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.71% |
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-13.86%
EPS Next 3Y-4.18%
EPA:SK (12/5/2025, 7:00:00 PM)
49.2
+0.16 (+0.33%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners34.88%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.72B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price Target88.37 (79.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.71% |
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)-3.93%
PT rev (3m)-22.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-29.88%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.41 | ||
| Fwd PE | 7.78 | ||
| P/S | 0.33 | ||
| P/FCF | 17.5 | ||
| P/OCF | 6.86 | ||
| P/B | 0.93 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.17 |
EPS(TTM)2.41
EY4.9%
EPS(NY)6.32
Fwd EY12.85%
FCF(TTM)2.81
FCFY5.71%
OCF(TTM)7.17
OCFY14.58%
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 | 1.88 |
F-Score5
WACC4.85%
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-43.42%
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
EPS Next 5Y3.25%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
Revenue Next Year-1.41%
Revenue Next 2Y1.06%
Revenue Next 3Y2.15%
Revenue Next 5Y3.71%
EBIT growth 1Y-40.6%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year10.94%
EBIT Next 3Y11.75%
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 4 / 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 20.41 and the Price/Book (PB) ratio is 0.93.
What is the financial health of SEB SA (SK.PA) stock?
The financial health rating of SEB SA (SK.PA) is 3 / 10.