SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - Euronext Paris - Matif - FR0000121709 - Common Stock - Currency: EUR
SK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 32 industry peers in the Household Durables industry. SK may be in some trouble as it scores bad on both profitability and health. SK is quite expensive at the moment. It does show 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.
Each year in the past 5 years SK has been profitable.
Each year in the past 5 years SK had a positive operating cash flow.
1.2 Ratios
SK has a Return On Assets of 2.49%. This is in the lower half of the industry: SK underperforms 65.71% of its industry peers.
The Return On Equity of SK (7.08%) is worse than 60.00% of its industry peers.
SK's Return On Invested Capital of 6.82% is in line compared to the rest of the industry. SK outperforms 42.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROIC | 6.82% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 2.81%, SK is doing worse than 65.71% of the companies in the same industry.
In the last couple of years the Profit Margin of SK has declined.
The Operating Margin of SK (6.77%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of SK has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.77% | ||
| PM (TTM) | 2.81% | ||
| GM | N/A |
OM growth 3Y-11.49%
OM growth 5Y-6.38%
PM growth 3Y-20.71%
PM growth 5Y-11.48%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SK is destroying value.
There is no outstanding debt for SK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 2.17 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
SK has a Altman-Z score (2.17) which is comparable to the rest of the industry.
The Debt to FCF ratio of SK is 9.66, which is on the high side as it means it would take SK, 9.66 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.66, SK perfoms like the industry average, outperforming 48.57% of the companies in the same industry.
SK has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
SK has a Debt to Equity ratio of 0.49. This is comparable to the rest of the industry: SK outperforms 51.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.17 |
ROIC/WACC0.99
WACC6.86%
2.3 Liquidity
SK has a Current Ratio of 1.21. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
With a Current ratio value of 1.21, SK is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
SK has a Quick Ratio of 1.21. This is a bad value and indicates that SK is not financially healthy enough and could expect problems in meeting its short term obligations.
SK has a worse Quick ratio (0.74) than 74.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 |
3. Growth
3.1 Past
The earnings per share for SK have decreased strongly by -39.17% in the last year.
SK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.30% yearly.
Looking at the last year, SK shows a small growth in Revenue. The Revenue has grown by 3.25% 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)-39.17%
EPS 3Y-20.31%
EPS 5Y-9.3%
EPS Q2Q%-56.95%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
3.2 Future
SK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.18% yearly.
SK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.71% yearly.
EPS Next Y11.53%
EPS Next 2Y11.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y5.03%
Revenue Next 3Y4.94%
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.
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
Based on the Price/Earnings ratio of 21.16, the valuation of SK can be described as rather expensive.
62.86% of the companies in the same industry are cheaper than SK, based on the Price/Earnings ratio.
SK is valuated rather cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.41, which indicates a very decent valuation of SK.
SK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SK is cheaper than 62.86% of the companies in the same industry.
SK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.16 | ||
| Fwd PE | 9.41 |
4.2 Price Multiples
62.86% of the companies in the same industry are cheaper than SK, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.68 | ||
| EV/EBITDA | 7.88 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.84
PEG (5Y)N/A
EPS Next 2Y11.18%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.09%, SK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.11, SK has a dividend in line with its industry peers.
SK's Dividend Yield is a higher than the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
5.2 History
On average, the dividend of SK grows each year by 8.88%, which is quite nice.
Dividend Growth(5Y)8.88%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
83.58% of the earnings are spent on dividend by SK. This is not a sustainable payout ratio.
SK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP83.58%
EPS Next 2Y11.18%
EPS Next 3YN/A
EPA:SK (3/7/2025, 7:00:00 PM)
89.5
-1.15 (-1.27%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners27.9%
Inst Owner ChangeN/A
Ins Owners1.43%
Ins Owner ChangeN/A
Market Cap4.95B
Analysts86
Price Target139.06 (55.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
Yearly Dividend3.55
Dividend Growth(5Y)8.88%
DP83.58%
Div Incr Years1
Div Non Decr Years3
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)-1.62%
PT rev (3m)-1.98%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.21%
EPS NY rev (3m)0.2%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.22%
Revenue NY rev (3m)0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.16 | ||
| Fwd PE | 9.41 | ||
| P/S | 0.6 | ||
| P/FCF | 15.68 | ||
| P/OCF | 9.3 | ||
| P/B | 1.51 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.88 |
EPS(TTM)4.23
EY4.73%
EPS(NY)9.51
Fwd EY10.62%
FCF(TTM)5.71
FCFY6.38%
OCF(TTM)9.62
OCFY10.75%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)1.84
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROCE | 9.6% | ||
| ROIC | 6.82% | ||
| ROICexc | 8.49% | ||
| ROICexgc | 30.2% | ||
| OM | 6.77% | ||
| PM (TTM) | 2.81% | ||
| GM | N/A | ||
| FCFM | 3.82% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-11.49%
OM growth 5Y-6.38%
PM growth 3Y-20.71%
PM growth 5Y-11.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.89
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 9.66 | ||
| Debt/EBITDA | 1.89 | ||
| Cap/Depr | 73.45% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | 6.85 | ||
| Cash Conversion | 62.32% | ||
| Profit Quality | 136.16% | ||
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 | ||
| Altman-Z | 2.17 |
F-Score5
WACC6.86%
ROIC/WACC0.99
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)-39.17%
EPS 3Y-20.31%
EPS 5Y-9.3%
EPS Q2Q%-56.95%
EPS Next Y11.53%
EPS Next 2Y11.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
Revenue Next Year5.25%
Revenue Next 2Y5.03%
Revenue Next 3Y4.94%
Revenue Next 5Y3.71%
EBIT growth 1Y-19.66%
EBIT growth 3Y-10.74%
EBIT growth 5Y-4.16%
EBIT Next Year52.71%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.63%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-47.85%
OCF growth 3Y-2.43%
OCF growth 5Y-4.83%