SEB SA (SK.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SK - FR0000121709 - Common Stock
49.32 EUR
+0.02 (+0.04%)
Taking everything into account, SK scores 4 out of 10 in our fundamental rating. SK was compared to 32 industry peers in the Household Durables industry. While SK is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
SK had a positive operating cash flow in the past year.
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's Return On Assets of 1.46% is in line compared to the rest of the industry. SK outperforms 56.25% of its industry peers.
SK has a Return On Equity of 4.53%. This is comparable to the rest of the industry: SK outperforms 59.38% of its industry peers.
SK's Return On Invested Capital of 4.76% is fine compared to the rest of the industry. SK outperforms 62.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SK is in line with the industry average of 8.34%.
| 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
The Profit Margin of SK (1.60%) is comparable to the rest of the industry.
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.
In the last couple of years the Operating Margin of SK has declined.
SK's Gross Margin of 40.54% is in line compared to the rest of the industry. SK outperforms 53.13% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SK is creating some value.
The number of shares outstanding for SK has been reduced compared to 1 year ago.
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 1.88 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
SK has a Altman-Z score (1.88) which is in line with its industry peers.
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.
The Debt to FCF ratio of SK (21.56) is comparable to the rest of the industry.
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 amonst the worse of the industry: SK underperforms 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.88 |
ROIC/WACC0.94
WACC5.09%
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.
SK has a Current ratio of 1.22. This is comparable to the rest of the industry: SK outperforms 43.75% of its industry peers.
A Quick Ratio of 0.61 indicates that SK may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.61, SK is doing worse than 81.25% of the companies in the same industry.
| 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%.
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 1.71%.
Measured over the past years, SK shows a small growth in Revenue. The Revenue has been growing by 2.37% on average per year.
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.
Based on estimates for the next years, SK will show a small growth in Revenue. The Revenue will grow by 3.71% on average per year.
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
SK is valuated rather expensively with a Price/Earnings ratio of 20.46.
Based on the Price/Earnings ratio, SK is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.60, SK is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 7.80, the valuation of SK can be described as very cheap.
SK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SK is cheaper than 75.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.23. SK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.46 | ||
| Fwd PE | 7.8 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than 65.63% of the companies in the same industry.
SK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.54 | ||
| EV/EBITDA | 6.17 |
4.3 Compensation for Growth
SK's earnings are expected to decrease with -4.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.74%, SK is a good candidate for dividend investing.
The stock price of SK dropped by -25.33% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
SK's Dividend Yield is rather good when compared to the industry average which is at 2.58. SK pays more dividend than 81.25% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, SK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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
155.61% of the earnings are spent on dividend by SK. 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 (1/2/2026, 7:00:00 PM)
49.32
+0.02 (+0.04%)
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 Cap2.73B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price Target88.37 (79.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
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)-30.53%
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 | 20.46 | ||
| Fwd PE | 7.8 | ||
| P/S | 0.33 | ||
| P/FCF | 17.54 | ||
| P/OCF | 6.87 | ||
| P/B | 0.93 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.17 |
EPS(TTM)2.41
EY4.89%
EPS(NY)6.32
Fwd EY12.82%
FCF(TTM)2.81
FCFY5.7%
OCF(TTM)7.17
OCFY14.55%
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
WACC5.09%
ROIC/WACC0.94
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 Year10.64%
EBIT Next 3Y11.69%
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.
Can you provide the valuation status for SEB SA?
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 20.46 and the Price/Book (PB) ratio is 0.93.
What is the earnings growth outlook for SEB SA?
The Earnings per Share (EPS) of SEB SA (SK.PA) is expected to decline by -43.42% in the next year.