SKANDINAVISKA ENSKILDA BAN-A (1SEBA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1SEBA - SE0000148884 - Common Stock
15.085 EUR
+15.09 (+Infinity%)
1SEBA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. Both the profitability and financial health of 1SEBA have multiple concerns. 1SEBA has a expensive valuation and it also scores bad on growth. 1SEBA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year 1SEBA was profitable.
1SEBA had a negative operating cash flow in the past year.
Each year in the past 5 years 1SEBA has been profitable.
In multiple years 1SEBA reported negative operating cash flow during the last 5 years.
1.2 Ratios
1SEBA has a Return On Assets (0.84%) which is in line with its industry peers.
With a decent Return On Equity value of 14.52%, 1SEBA is doing good in the industry, outperforming 78.26% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
1SEBA has a Profit Margin of 36.14%. This is amongst the best in the industry. 1SEBA outperforms 88.04% of its industry peers.
1SEBA's Profit Margin has improved in the last couple of years.
1SEBA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
1SEBA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1SEBA has been reduced compared to 1 year ago.
Compared to 5 years ago, 1SEBA has less shares outstanding
Compared to 1 year ago, 1SEBA has about the same debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.85 is on the high side and indicates that 1SEBA has dependencies on debt financing.
The Debt to Equity ratio of 1SEBA (3.85) is worse than 80.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.85 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.7%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for 1SEBA have decreased by -8.84% in the last year.
The Earnings Per Share has been growing by 13.29% on average over the past years. This is quite good.
1SEBA shows a small growth in Revenue. In the last year, the Revenue has grown by 1.44%.
1SEBA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.84% yearly.
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
The Earnings Per Share is expected to grow by 1.17% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.86, the valuation of 1SEBA can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as 1SEBA.
1SEBA is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.74, the valuation of 1SEBA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SEBA is on the same level as its industry peers.
1SEBA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 9.74 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.74
EPS Next 2Y-1.37%
EPS Next 3Y1.17%
5. Dividend
5.1 Amount
1SEBA has a Yearly Dividend Yield of 7.17%, which is a nice return.
Compared to an average industry Dividend Yield of 4.31, 1SEBA pays a better dividend. On top of this 1SEBA pays more dividend than 86.96% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, 1SEBA pays a better dividend.
| Industry Rank | Sector 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
1SEBA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DPN/A
EPS Next 2Y-1.37%
EPS Next 3Y1.17%
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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.