SEB SA (SK.PA) Fundamental Analysis & Valuation

EPA:SK • FR0000121709

Current stock price

53.65 EUR
+3.45 (+6.87%)
Last:

This SK.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SK.PA Profitability Analysis

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.
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 2025 0 200M 400M 600M 800M 1B

1.2 Ratios

  • With a decent Return On Assets value of 2.57%, SK is doing good in the industry, outperforming 62.86% of the companies in the same industry.
  • The Return On Equity of SK (7.56%) is better than 68.57% of its industry peers.
  • SK has a Return On Invested Capital of 6.06%. This is in the better half of the industry: SK outperforms 65.71% of its industry peers.
Industry RankSector Rank
ROA 2.57%
ROE 7.56%
ROIC 6.06%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SK.PA Yearly ROA, ROE, ROICSK.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • SK has a Profit Margin of 2.99%. This is in the better half of the industry: SK outperforms 65.71% of its industry peers.
  • In the last couple of years the Profit Margin of SK has declined.
  • SK has a better Operating Margin (6.36%) than 62.86% of its industry peers.
  • SK's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 6.36%
PM (TTM) 2.99%
GM N/A
OM growth 3Y-5.48%
OM growth 5Y-5.21%
PM growth 3Y-8.99%
PM growth 5Y-7.11%
GM growth 3YN/A
GM growth 5YN/A
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 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SK.PA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SK is destroying value.
  • SK has more shares outstanding than it did 1 year ago.
  • SK has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SK has a worse debt to assets ratio.
SK.PA Yearly Shares OutstandingSK.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B 10B

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.
  • SK's Altman-Z score of 1.89 is in line compared to the rest of the industry. SK outperforms 48.57% of its industry peers.
  • SK has a Debt/Equity ratio of 0.64. This is a neutral value indicating SK is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.64, SK perfoms like the industry average, outperforming 45.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Altman-Z 1.89
ROIC/WACC0.9
WACC6.76%
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 2025 0 1B 2B 3B

2.3 Liquidity

  • SK has a Current Ratio of 1.27. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
  • SK has a Current ratio of 1.27. This is in the lower half of the industry: SK underperforms 60.00% of its industry peers.
  • A Quick Ratio of 0.78 indicates that SK may have some problems paying its short term obligations.
  • The Quick ratio of SK (0.78) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.27
Quick Ratio 0.78
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 2025 1B 2B 3B 4B 5B

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

5

3. SK.PA Growth Analysis

3.1 Past

  • SK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.94%, which is quite impressive.
  • The Earnings Per Share has been decreasing by -3.87% on average over the past years.
  • The Revenue has decreased by -1.17% in the past year.
  • SK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.32% yearly.
EPS 1Y (TTM)92.94%
EPS 3Y-7.97%
EPS 5Y-3.87%
EPS Q2Q%239.86%
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y0.87%
Revenue growth 5Y3.32%
Sales Q2Q%-2.3%

3.2 Future

  • The Earnings Per Share is expected to grow by 23.59% on average over the next years. This is a very strong growth
  • SK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.72% yearly.
EPS Next Y17.04%
EPS Next 2Y27.9%
EPS Next 3Y23.59%
EPS Next 5YN/A
Revenue Next Year1.7%
Revenue Next 2Y2.82%
Revenue Next 3Y3.32%
Revenue Next 5Y4.72%

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.
SK.PA Yearly Revenue VS EstimatesSK.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 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 2029 2 4 6 8

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6

4. SK.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • SK is valuated cheaply with a Price/Earnings ratio of 6.58.
  • Based on the Price/Earnings ratio, SK is valued cheaper than 97.14% of the companies in the same industry.
  • SK is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • SK is valuated reasonably with a Price/Forward Earnings ratio of 9.53.
  • 62.86% of the companies in the same industry are more expensive than SK, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SK to the average of the S&P500 Index (22.24), we can say SK is valued rather cheaply.
Industry RankSector Rank
PE 6.58
Fwd PE 9.53
SK.PA Price Earnings VS Forward Price EarningsSK.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than the industry average as 62.86% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.23
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

  • SK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as SK's earnings are expected to grow with 23.59% in the coming years.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y27.9%
EPS Next 3Y23.59%

More info and screens

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

7

5. SK.PA Dividend Analysis

5.1 Amount

  • SK has a Yearly Dividend Yield of 5.58%, which is a nice return.
  • SK's Dividend Yield is a higher than the industry average which is at 2.90.
  • SK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.58%

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 Years5
SK.PA Yearly Dividends per shareSK.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • 84.46% of the earnings are spent on dividend by SK. This is not a sustainable payout ratio.
  • The dividend of SK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP84.46%
EPS Next 2Y27.9%
EPS Next 3Y23.59%
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 2025 0 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

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SK.PA Fundamentals: All Metrics, Ratios and Statistics

SEB SA

EPA:SK (4/24/2026, 7:00:00 PM)

53.65

+3.45 (+6.87%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners32%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.97B
Revenue(TTM)8.17B
Net Income(TTM)244.60M
Analysts83.81
Price Target86.02 (60.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.58%
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP84.46%
Div Incr Years2
Div Non Decr Years5
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)-2.66%
PT rev (3m)-2.66%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-10.73%
EPS NY rev (3m)-10.95%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.81%
Revenue NY rev (3m)-1.8%
Valuation
Industry RankSector Rank
PE 6.58
Fwd PE 9.53
P/S 0.36
P/FCF N/A
P/OCF 14.53
P/B 0.92
P/tB N/A
EV/EBITDA 6.23
EPS(TTM)8.15
EY15.19%
EPS(NY)5.63
Fwd EY10.49%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)3.69
OCFY6.88%
SpS147.62
BVpS58.47
TBVpS-2.27
PEG (NY)0.39
PEG (5Y)N/A
Graham Number103.543 (93%)
Profitability
Industry RankSector Rank
ROA 2.57%
ROE 7.56%
ROCE 8.43%
ROIC 6.06%
ROICexc 7.41%
ROICexgc 22.25%
OM 6.36%
PM (TTM) 2.99%
GM N/A
FCFM N/A
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-5.48%
OM growth 5Y-5.21%
PM growth 3Y-8.99%
PM growth 5Y-7.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF N/A
Debt/EBITDA 2.59
Cap/Depr 78.5%
Cap/Sales 2.71%
Interest Coverage 5.71
Cash Conversion 25.5%
Profit Quality N/A
Current Ratio 1.27
Quick Ratio 0.78
Altman-Z 1.89
F-Score5
WACC6.76%
ROIC/WACC0.9
Cap/Depr(3y)70.57%
Cap/Depr(5y)74.97%
Cap/Sales(3y)2.51%
Cap/Sales(5y)2.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)92.94%
EPS 3Y-7.97%
EPS 5Y-3.87%
EPS Q2Q%239.86%
EPS Next Y17.04%
EPS Next 2Y27.9%
EPS Next 3Y23.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y0.87%
Revenue growth 5Y3.32%
Sales Q2Q%-2.3%
Revenue Next Year1.7%
Revenue Next 2Y2.82%
Revenue Next 3Y3.32%
Revenue Next 5Y4.72%
EBIT growth 1Y-10.47%
EBIT growth 3Y-4.66%
EBIT growth 5Y-2.07%
EBIT Next Year70.81%
EBIT Next 3Y33.2%
EBIT Next 5YN/A
FCF growth 1Y-105.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.61%
OCF growth 3Y-9.53%
OCF growth 5Y-26.65%

SEB SA / SK.PA Fundamental Analysis FAQ

What is the fundamental rating for SK stock?

ChartMill assigns a fundamental rating of 4 / 10 to SK.PA.


What is the valuation status of SEB SA (SK.PA) stock?

ChartMill assigns a valuation rating of 6 / 10 to SEB SA (SK.PA). This can be considered as Fairly Valued.


What is the profitability of SK stock?

SEB SA (SK.PA) has a profitability rating of 5 / 10.


Can you provide the PE and PB ratios for SK stock?

The Price/Earnings (PE) ratio for SEB SA (SK.PA) is 6.58 and the Price/Book (PB) ratio is 0.92.


What is the financial health of SEB SA (SK.PA) stock?

The financial health rating of SEB SA (SK.PA) is 2 / 10.