SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1SEBA • SE0000148884

15.085 EUR
+15.09 (+Infinity%)
Last: May 20, 2025, 07:00 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1SEBA. 1SEBA was compared to 111 industry peers in the Banks industry. 1SEBA may be in some trouble as it scores bad on both profitability and health. 1SEBA is valued expensive and it does not seem to be growing. 1SEBA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • 1SEBA had positive earnings in the past year.
  • In the past year 1SEBA has reported a negative cash flow from operations.
  • 1SEBA had positive earnings in each of the past 5 years.
  • In multiple years 1SEBA reported negative operating cash flow during the last 5 years.
1SEBA.MI Yearly Net Income VS EBIT VS OCF VS FCF1SEBA.MI 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 0 50B -50B 100B 150B

1.2 Ratios

  • The Return On Assets of 1SEBA (0.84%) is comparable to the rest of the industry.
  • The Return On Equity of 1SEBA (14.52%) is better than 78.26% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 14.52%
ROIC N/A
ROA(3y)0.92%
ROA(5y)0.81%
ROE(3y)15.29%
ROE(5y)13.64%
ROIC(3y)N/A
ROIC(5y)N/A
1SEBA.MI Yearly ROA, ROE, ROIC1SEBA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • 1SEBA has a better Profit Margin (36.14%) than 88.04% of its industry peers.
  • 1SEBA's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 1SEBA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.14%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.9%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
1SEBA.MI Yearly Profit, Operating, Gross Margins1SEBA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

  • 1SEBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 1SEBA has less shares outstanding than it did 1 year ago.
  • 1SEBA has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1SEBA has remained at the same level compared to a year ago.
1SEBA.MI Yearly Shares Outstanding1SEBA.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
1SEBA.MI Yearly Total Debt VS Total Assets1SEBA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1T 2T 3T

2.2 Solvency

  • A Debt/Equity ratio of 3.85 is on the high side and indicates that 1SEBA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 3.85, 1SEBA is doing worse than 80.43% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.85
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.7%
1SEBA.MI Yearly LT Debt VS Equity VS FCF1SEBA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200B 400B 600B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SEBA.MI Yearly Current Assets VS Current Liabilites1SEBA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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3

3. Growth

3.1 Past

  • 1SEBA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.84%.
  • Measured over the past years, 1SEBA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.29% on average per year.
  • 1SEBA shows a small growth in Revenue. In the last year, the Revenue has grown by 1.44%.
  • Measured over the past years, 1SEBA shows a quite strong growth in Revenue. The Revenue has been growing by 8.84% on average per year.
EPS 1Y (TTM)-8.84%
EPS 3Y14.07%
EPS 5Y13.29%
EPS Q2Q%-15.79%
Revenue 1Y (TTM)1.44%
Revenue growth 3Y13.17%
Revenue growth 5Y8.84%
Sales Q2Q%-14.57%

3.2 Future

  • 1SEBA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.17% yearly.
  • Based on estimates for the next years, 1SEBA will show a decrease in Revenue. The Revenue will decrease by -0.29% on average per year.
EPS Next Y-9.7%
EPS Next 2Y-1.37%
EPS Next 3Y1.17%
EPS Next 5YN/A
Revenue Next Year-5.93%
Revenue Next 2Y-2.13%
Revenue Next 3Y-0.29%
Revenue Next 5YN/A

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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1SEBA.MI Yearly Revenue VS Estimates1SEBA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B 80B
1SEBA.MI Yearly EPS VS Estimates1SEBA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.86 indicates a reasonable valuation of 1SEBA.
  • 1SEBA's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, 1SEBA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.74 indicates a reasonable valuation of 1SEBA.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SEBA is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 25.51. 1SEBA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.86
Fwd PE 9.74
1SEBA.MI Price Earnings VS Forward Price Earnings1SEBA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1SEBA.MI Per share data1SEBA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y-1.37%
EPS Next 3Y1.17%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.17%, 1SEBA is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.10, 1SEBA pays a better dividend. On top of this 1SEBA pays more dividend than 86.96% of the companies listed in the same industry.
  • 1SEBA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 7.17%

5.2 History

  • The dividend of 1SEBA is nicely growing with an annual growth rate of 15.02%!
Dividend Growth(5Y)15.02%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • The dividend of 1SEBA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-1.37%
EPS Next 3Y1.17%
1SEBA.MI Yearly Income VS Free CF VS Dividend1SEBA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B -50B 100B 150B

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SKANDINAVISKA ENSKILDA BAN-A

BIT:1SEBA (5/20/2025, 7:00:00 PM)

15.085

+15.09 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29
Earnings (Next)07-16
Inst Owners43.82%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap32.28B
Revenue(TTM)94.59B
Net Income(TTM)34.19B
Analysts54.62
Price Target14.52 (-3.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.17%
Yearly Dividend1.07
Dividend Growth(5Y)15.02%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.73%
Min EPS beat(2)-5.62%
Max EPS beat(2)-3.85%
EPS beat(4)2
Avg EPS beat(4)-0.14%
Min EPS beat(4)-5.62%
Max EPS beat(4)5.45%
EPS beat(8)5
Avg EPS beat(8)3%
EPS beat(12)9
Avg EPS beat(12)5.62%
EPS beat(16)13
Avg EPS beat(16)8.09%
Revenue beat(2)1
Avg Revenue beat(2)-0.62%
Min Revenue beat(2)-1.28%
Max Revenue beat(2)0.03%
Revenue beat(4)3
Avg Revenue beat(4)6.43%
Min Revenue beat(4)-1.28%
Max Revenue beat(4)13.69%
Revenue beat(8)7
Avg Revenue beat(8)10.95%
Revenue beat(12)11
Avg Revenue beat(12)13.76%
Revenue beat(16)15
Avg Revenue beat(16)15.23%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 9.86
Fwd PE 9.74
P/S 3.71
P/FCF N/A
P/OCF N/A
P/B 1.49
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)1.53
EY10.14%
EPS(NY)1.55
Fwd EY10.27%
FCF(TTM)-2.32
FCFYN/A
OCF(TTM)-2.32
OCFYN/A
SpS4.07
BVpS10.12
TBVpS10.12
PEG (NY)N/A
PEG (5Y)0.74
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 14.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.14%
GM N/A
FCFM N/A
ROA(3y)0.92%
ROA(5y)0.81%
ROE(3y)15.29%
ROE(5y)13.64%
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 3YN/A
OM growth 5YN/A
PM growth 3Y-0.9%
PM growth 5Y3.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 3.85
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.7%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.31%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.84%
EPS 3Y14.07%
EPS 5Y13.29%
EPS Q2Q%-15.79%
EPS Next Y-9.7%
EPS Next 2Y-1.37%
EPS Next 3Y1.17%
EPS Next 5YN/A
Revenue 1Y (TTM)1.44%
Revenue growth 3Y13.17%
Revenue growth 5Y8.84%
Sales Q2Q%-14.57%
Revenue Next Year-5.93%
Revenue Next 2Y-2.13%
Revenue Next 3Y-0.29%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y78.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.85%
OCF growth 3YN/A
OCF growth 5YN/A

SKANDINAVISKA ENSKILDA BAN-A / 1SEBA.MI FAQ

What is the ChartMill fundamental rating of SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1SEBA.MI.


Can you provide the valuation status for SKANDINAVISKA ENSKILDA BAN-A?

ChartMill assigns a valuation rating of 3 / 10 to SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI). This can be considered as Overvalued.


How profitable is SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) stock?

SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for 1SEBA stock?

The Earnings per Share (EPS) of SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) is expected to decline by -9.7% in the next year.