SEB SA (SK.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SK - FR0000121709 - Common Stock
51.1 EUR
+0.4 (+0.79%)
We assign a fundamental rating of 4 out of 10 to SK. SK was compared to 32 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 is not valued too expensively and it also shows a decent growth rate.
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.
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
The Return On Assets of SK (1.46%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 4.53%, SK is in line with its industry, outperforming 56.25% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.76%, SK is in line with its industry, outperforming 59.38% of the companies in the same industry.
SK had an Average Return On Invested Capital over the past 3 years of 6.79%. This is below the industry average of 9.55%.
| 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 50.00% of the companies in the same industry.
SK's Profit Margin has declined in the last couple of years.
SK's Operating Margin of 5.48% is in line compared to the rest of the industry. SK outperforms 53.13% of its industry peers.
SK's Operating Margin has declined in the last couple of years.
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.
In the last couple of years the Gross Margin of SK has remained more or less at the same level.
| 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.
Compared to 5 years ago, SK has less shares outstanding
SK has a better debt/assets ratio than last year.
2.2 Solvency
SK has an Altman-Z score of 1.89. This is not the best score and indicates that SK is in the grey zone with still only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 1.89, SK perfoms like the industry average, outperforming 50.00% 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.
SK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.01, SK is not doing good in the industry: 81.25% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.89 |
ROIC/WACC0.97
WACC4.91%
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 (1.22) which is comparable to the rest of the industry.
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.
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
The earnings per share for SK have decreased strongly by -67.48% in the last year.
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
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.
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 21.20.
Based on the Price/Earnings ratio, SK is valued a bit cheaper than 65.63% of the companies in the same industry.
SK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.00.
A Price/Forward Earnings ratio of 8.08 indicates a reasonable valuation of SK.
Based on the Price/Forward Earnings ratio, SK is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of SK to the average of the S&P500 Index (23.70), we can say SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.2 | ||
| Fwd PE | 8.08 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as SK.
The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.17 | ||
| EV/EBITDA | 6.28 |
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
With a Yearly Dividend Yield of 5.68%, SK is a good candidate for dividend investing.
SK's Dividend Yield is a higher than the industry average which is at 2.69.
SK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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
155.61% of the earnings are spent on dividend by SK. 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-13.86%
EPS Next 3Y-4.18%
EPA:SK (1/9/2026, 2:24:03 PM)
51.1
+0.4 (+0.79%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners33.95%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.83B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price Target88.37 (72.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)-22.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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)-2.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.2 | ||
| Fwd PE | 8.08 | ||
| P/S | 0.34 | ||
| P/FCF | 18.17 | ||
| P/OCF | 7.12 | ||
| P/B | 0.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.28 |
EPS(TTM)2.41
EY4.72%
EPS(NY)6.32
Fwd EY12.37%
FCF(TTM)2.81
FCFY5.5%
OCF(TTM)7.17
OCFY14.04%
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
WACC4.91%
ROIC/WACC0.97
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 21.2 and the Price/Book (PB) ratio is 0.96.
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.