SEB SA (SK.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SK - FR0000121709 - Common Stock
45.28 EUR
+0.26 (+0.58%)
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 has a correct valuation and a medium 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.
- SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SK has a Return On Assets of 1.46%. This is comparable 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 53.13% of its industry peers.
- SK has a Return On Invested Capital (4.76%) which is in line with its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SK is below the industry average of 9.71%.
| 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 (1.61%) which is in line with its industry peers.
- SK's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 5.48%, SK is in line with its industry, outperforming 50.00% of the companies in the same industry.
- SK's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 40.54%, SK perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- 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) | 1.61% | ||
| 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.
- 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
- SK has an Altman-Z score of 1.86. 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.
- SK has a Altman-Z score of 1.86. This is comparable to the rest of the industry: SK outperforms 46.88% of its industry peers.
- The Debt to FCF ratio of SK is 21.62, which is on the high side as it means it would take SK, 21.62 years of fcf income to pay off all of its debts.
- SK's Debt to FCF ratio of 21.62 is in line compared to the rest of the industry. SK outperforms 50.00% of its industry peers.
- SK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of SK (1.01) is worse than 78.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.62 | ||
| Altman-Z | 1.86 |
ROIC/WACC0.95
WACC5%
2.3 Liquidity
- A Current Ratio of 1.22 indicates that SK should not have too much problems paying its short term obligations.
- SK's Current ratio of 1.22 is on the low side compared to the rest of the industry. SK is outperformed by 62.50% 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.
- Looking at the Quick ratio, with a value of 0.61, SK is doing worse than 75.00% 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 -67.44%.
- The Earnings Per Share has been decreasing by -9.30% on average over the past years.
- Looking at the last year, SK shows a small growth in Revenue. The Revenue has grown by 1.71% in the last year.
- The Revenue has been growing slightly by 2.37% on average over the past years.
EPS 1Y (TTM)-67.44%
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 3.25% on average over the next years.
- SK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.71% yearly.
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
- The Price/Earnings ratio is 18.79, which indicates a rather expensive current valuation of SK.
- Based on the Price/Earnings ratio, SK is valued a bit cheaper than the industry average as 65.63% of the companies are valued more expensively.
- SK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 7.16, the valuation of SK can be described as very cheap.
- Based on the Price/Forward Earnings ratio, SK is valued cheaper than 81.25% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SK to the average of the S&P500 Index (23.94), we can say SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.79 | ||
| Fwd PE | 7.16 |
4.2 Price Multiples
- SK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SK is cheaper than 75.00% of the companies in the same industry.
- 65.63% 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 | 16.15 | ||
| EV/EBITDA | 5.85 |
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 5.65%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.84, 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
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
- SK pays out 155.72% of its income as dividend. 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.
DP155.72%
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
EPA:SK (1/21/2026, 9:32:55 AM)
45.28
+0.26 (+0.58%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)10-23 2025-10-23
Earnings (Next)02-25 2026-02-25/amc
Inst Owners33.95%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.51B
Revenue(TTM)8.27B
Net Income(TTM)132.80M
Analysts83.16
Price Target88.37 (95.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.65% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP155.72%
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)0%
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 | 18.79 | ||
| Fwd PE | 7.16 | ||
| P/S | 0.3 | ||
| P/FCF | 16.15 | ||
| P/OCF | 6.31 | ||
| P/B | 0.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.85 |
EPS(TTM)2.41
EY5.32%
EPS(NY)6.32
Fwd EY13.96%
FCF(TTM)2.8
FCFY6.19%
OCF(TTM)7.18
OCFY15.85%
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 | 7.59% | ||
| ROIC | 4.76% | ||
| ROICexc | 5.3% | ||
| ROICexgc | 11.75% | ||
| OM | 5.48% | ||
| PM (TTM) | 1.61% | ||
| 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 | 21.62 | ||
| Debt/EBITDA | 4.03 | ||
| Cap/Depr | 84.85% | ||
| Cap/Sales | 2.93% | ||
| Interest Coverage | 4.96 | ||
| Cash Conversion | 53.8% | ||
| Profit Quality | 116.87% | ||
| Current Ratio | 1.22 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.86 |
F-Score5
WACC5%
ROIC/WACC0.95
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)-67.44%
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-40.65%
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-80.68%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-60.33%
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 5 / 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 18.79 and the Price/Book (PB) ratio is 0.86.
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.