SEB SA (SK.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SK - FR0000121709 - Common Stock
48.76 EUR
-0.24 (-0.49%)
Taking everything into account, SK scores 4 out of 10 in our fundamental rating. SK was compared to 36 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year SK was profitable.
SK had a positive operating cash flow in the past year.
In the past 5 years SK has always been profitable.
SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.46%, SK perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
The Return On Equity of SK (4.53%) 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.
SK had an Average Return On Invested Capital over the past 3 years of 6.79%. This is below the industry average of 9.66%.
| 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 of 1.60%. This is comparable to the rest of the industry: SK outperforms 47.22% of its industry peers.
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.
SK's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 40.54%, SK is in line with its industry, outperforming 52.78% 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) | 1.6% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SK is creating some value.
The number of shares outstanding for SK has been reduced compared to 1 year ago.
SK has less shares outstanding than it did 5 years ago.
SK has a better debt/assets ratio than last year.
2.2 Solvency
SK has an Altman-Z score of 1.88. 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.
The Altman-Z score of SK (1.88) is comparable to the rest of the 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.
Looking at the Debt to FCF ratio, with a value of 21.56, SK is in line with its industry, outperforming 47.22% of the companies in the same industry.
SK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
SK has a Debt to Equity ratio of 1.01. This is in the lower half of the industry: SK underperforms 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.88 |
ROIC/WACC0.98
WACC4.88%
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 61.11% of its industry peers.
A Quick Ratio of 0.61 indicates that SK may have some problems paying its short term obligations.
SK has a worse Quick ratio (0.61) than 80.56% of its industry peers.
| 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 -67.48%.
SK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.30% yearly.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 1.71%.
The Revenue has been growing slightly by 2.37% on average over the past years.
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
The Earnings Per Share is expected to grow by 3.25% on average over the next years.
Based on estimates for the next years, SK will show a small growth in Revenue. The Revenue will grow by 3.71% on average per year.
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
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 20.23, the valuation of SK can be described as rather expensive.
Based on the Price/Earnings ratio, SK is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
SK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 7.71 indicates a rather cheap valuation of SK.
72.22% 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 (24.04), we can say SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.23 | ||
| Fwd PE | 7.71 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 66.67% of the companies listed in the same industry.
SK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.34 | ||
| EV/EBITDA | 6.13 |
4.3 Compensation for Growth
SK's earnings are expected to decrease with -4.18% in the coming years. This may justify a cheaper valuation.
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 5.67%, which is a nice return.
In the last 3 months the price of SK has falen by -23.63%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 2.65, SK pays a better dividend. On top of this SK pays more dividend than 80.56% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.88, SK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.67% |
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
SK pays out 155.61% of its income as dividend. This is not a sustainable payout ratio.
SK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP155.61%
EPS Next 2Y-13.86%
EPS Next 3Y-4.18%
EPA:SK (12/24/2025, 7:00:00 PM)
48.76
-0.24 (-0.49%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners34.88%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.70B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.67% |
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)-22.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-29.88%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.23 | ||
| Fwd PE | 7.71 | ||
| P/S | 0.33 | ||
| P/FCF | 17.34 | ||
| P/OCF | 6.8 | ||
| P/B | 0.92 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.13 |
EPS(TTM)2.41
EY4.94%
EPS(NY)6.32
Fwd EY12.96%
FCF(TTM)2.81
FCFY5.77%
OCF(TTM)7.17
OCFY14.71%
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 | 1.88 |
F-Score5
WACC4.88%
ROIC/WACC0.98
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 Year10.94%
EBIT Next 3Y11.75%
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.
What is the valuation status for SK stock?
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 20.23 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 3 / 10.