SEB SA (SK.PA) Stock Fundamental Analysis

EPA:SK • FR0000121709

52 EUR
-0.5 (-0.95%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

SK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 33 industry peers in the Household Durables industry. SK has a medium profitability rating, but doesn't score so well on its financial health evaluation. SK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

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.
  • In the past 5 years SK has always been profitable.
  • In the past 5 years SK always reported a positive cash flow from operatings.
SK.PA Yearly Net Income VS EBIT VS OCF VS FCFSK.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

  • SK has a Return On Assets of 1.46%. This is comparable to the rest of the industry: SK outperforms 51.43% of its industry peers.
  • SK has a Return On Equity (4.53%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of SK (4.76%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for SK is below the industry average of 9.70%.
Industry RankSector 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%
SK.PA Yearly ROA, ROE, ROICSK.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • The Profit Margin of SK (1.61%) 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.
  • The Gross Margin of SK (40.54%) is comparable to the rest of the industry.
  • SK's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
SK.PA Yearly Profit, Operating, Gross MarginsSK.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so SK is still creating some value.
  • SK has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SK has less shares outstanding
  • The debt/assets ratio for SK has been reduced compared to a year ago.
SK.PA Yearly Shares OutstandingSK.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
SK.PA Yearly Total Debt VS Total AssetsSK.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • SK has an Altman-Z score of 1.90. 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's Altman-Z score of 1.90 is in line compared to the rest of the industry. SK outperforms 48.57% of its industry peers.
  • SK has a debt to FCF ratio of 21.62. This is a negative value and a sign of low solvency as SK would need 21.62 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 21.62, SK perfoms like the industry average, outperforming 48.57% of the companies in the same industry.
  • 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 77.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.01
Debt/FCF 21.62
Altman-Z 1.9
ROIC/WACC0.95
WACC5.02%
SK.PA Yearly LT Debt VS Equity VS FCFSK.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 60.00% 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.
  • With a Quick ratio value of 0.61, SK is not doing good in the industry: 74.29% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 0.61
SK.PA Yearly Current Assets VS Current LiabilitesSK.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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%.
  • 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.
  • The Revenue has been growing slightly by 1.71% in the past 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

  • SK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.25% 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 Y-44.3%
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SK.PA Yearly Revenue VS EstimatesSK.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B 8B 10B
SK.PA Yearly EPS VS EstimatesSK.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 21.58, which indicates a rather expensive current valuation of SK.
  • Compared to the rest of the industry, the Price/Earnings ratio of SK is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.68. SK is around the same levels.
  • Based on the Price/Forward Earnings ratio of 8.23, the valuation of SK can be described as reasonable.
  • SK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SK is cheaper than 74.29% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, SK is valued rather cheaply.
Industry RankSector Rank
PE 21.58
Fwd PE 8.23
SK.PA Price Earnings VS Forward Price EarningsSK.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SK is cheaper than 65.71% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
Industry RankSector Rank
P/FCF 18.54
EV/EBITDA 6.38
SK.PA Per share dataSK.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

4.3 Compensation for Growth

  • A cheap valuation may be justified as SK's earnings are expected to decrease with -4.15% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • SK has a Yearly Dividend Yield of 5.33%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.76, SK pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.84, SK pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.33%

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
SK.PA Yearly Dividends per shareSK.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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-13.87%
EPS Next 3Y-4.15%
SK.PA Yearly Income VS Free CF VS DividendSK.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
SK.PA Dividend Payout.SK.PA Dividend Payout, showing the Payout Ratio.SK.PA Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SEB SA

EPA:SK (2/13/2026, 7:00:00 PM)

52

-0.5 (-0.95%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)10-23
Earnings (Next)02-25
Inst Owners33.95%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.88B
Revenue(TTM)8.27B
Net Income(TTM)132.80M
Analysts84
Price Target88.37 (69.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.33%
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)-3.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.55%
EPS NY rev (3m)-1.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 21.58
Fwd PE 8.23
P/S 0.35
P/FCF 18.54
P/OCF 7.24
P/B 0.98
P/tB N/A
EV/EBITDA 6.38
EPS(TTM)2.41
EY4.63%
EPS(NY)6.32
Fwd EY12.15%
FCF(TTM)2.8
FCFY5.39%
OCF(TTM)7.18
OCFY13.8%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number53.59
Profitability
Industry RankSector 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 RankSector 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 1.9
F-Score5
WACC5.02%
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-44.3%
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%
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 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 21.58 and the Price/Book (PB) ratio is 0.98.


What is the earnings growth outlook for SEB SA?

The Earnings per Share (EPS) of SEB SA (SK.PA) is expected to decline by -44.3% in the next year.