SEB SA (SK.PA) Stock Fundamental Analysis
Europe - EPA:SK - FR0000121709 - Common Stock
50.3 EUR
+0.3 (+0.6%)
Overall SK gets a fundamental rating of 4 out of 10. We evaluated SK against 34 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SK had positive earnings in the past year.
SK had a positive operating cash flow in the past year.
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's Return On Assets of 1.46% is in line compared to the rest of the industry. SK outperforms 50.00% of its industry peers.
SK's Return On Equity of 4.53% is in line compared to the rest of the industry. SK outperforms 52.94% of its industry peers.
SK's Return On Invested Capital of 4.76% is in line compared to the rest of the industry. SK outperforms 52.94% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SK is below the industry average of 10.91%.
| 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 in line with its industry peers.
In the last couple of years the Operating Margin of SK has declined.
Looking at the Gross Margin, with a value of 40.54%, SK is in line with its industry, outperforming 55.88% 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 | 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.
The debt/assets ratio for SK has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.89 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 1.89, SK is in line with its industry, outperforming 50.00% of the companies in the same 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's Debt to FCF ratio of 21.56 is in line compared to the rest of the industry. SK outperforms 47.06% 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.
Looking at the Debt to Equity ratio, with a value of 1.01, SK is doing worse than 79.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.89 |
ROIC/WACC0.92
WACC5.2%
2.3 Liquidity
A Current Ratio of 1.22 indicates that SK should not have too much problems paying its short term obligations.
The Current ratio of SK (1.22) is worse than 61.76% of its industry peers.
A Quick Ratio of 0.61 indicates that SK may have some problems paying its short term obligations.
SK has a worse Quick ratio (0.61) than 79.41% 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%.
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.
Looking at the last year, SK shows a small growth in Revenue. The Revenue has grown by 1.71% in the last year.
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.
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-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
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
A Price/Earnings ratio of 20.87 indicates a rather expensive valuation of SK.
SK's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of SK to the average of the S&P500 Index (27.57), we can say SK is valued slightly cheaper.
The Price/Forward Earnings ratio is 6.10, which indicates a rather cheap valuation of SK.
91.18% of the companies in the same industry are more expensive than SK, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 6.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than the industry average as 67.65% of the companies are valued more expensively.
61.76% of the companies in the same industry are more expensive than SK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.89 | ||
| EV/EBITDA | 6.23 |
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 5.83%, which is a nice return.
The stock price of SK dropped by -24.36% 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.
Compared to an average industry Dividend Yield of 5.04, 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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-1.63%
EPS Next 3Y2.89%
EPA:SK (10/22/2025, 7:00:00 PM)
50.3
+0.3 (+0.6%)
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 Cap2.78B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts85.26
Price Target114.75 (128.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.83% |
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)1.07%
PT rev (3m)-10.22%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.94%
EPS NY rev (3m)-22.86%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-2.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.87 | ||
| Fwd PE | 6.1 | ||
| P/S | 0.34 | ||
| P/FCF | 17.89 | ||
| P/OCF | 7.01 | ||
| P/B | 0.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.23 |
EPS(TTM)2.41
EY4.79%
EPS(NY)8.24
Fwd EY16.39%
FCF(TTM)2.81
FCFY5.59%
OCF(TTM)7.17
OCFY14.26%
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 | 1.89 |
F-Score5
WACC5.2%
ROIC/WACC0.92
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%