SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - Euronext Paris - Matif - FR0000121709 - Common Stock - Currency: EUR
Overall SK gets a fundamental rating of 4 out of 10. We evaluated SK against 32 industry peers in the Household Durables industry. Both the profitability and the financial health of SK get a neutral evaluation. Nothing too spectacular is happening here. SK is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SK had positive earnings in the past year.
SK had a positive operating cash flow in the past year.
Each year in the past 5 years SK has been profitable.
In the past 5 years SK always reported a positive cash flow from operatings.
1.2 Ratios
SK has a Return On Assets (2.49%) which is in line with its industry peers.
SK has a Return On Equity of 7.08%. This is comparable to the rest of the industry: SK outperforms 46.88% of its industry peers.
SK has a Return On Invested Capital of 6.43%. This is comparable to the rest of the industry: SK outperforms 43.75% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SK is significantly below the industry average of 14.79%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROIC | 6.43% |
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
Looking at the Profit Margin, with a value of 2.81%, SK is in line with its industry, outperforming 43.75% of the companies in the same industry.
In the last couple of years the Profit Margin of SK has declined.
The Operating Margin of SK (7.02%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of SK has declined.
SK has a Gross Margin of 40.62%. This is comparable to the rest of the industry: SK outperforms 50.00% of its industry peers.
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 | 7.02% | ||
| PM (TTM) | 2.81% | ||
| GM | 40.62% |
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
SK has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, SK has less shares outstanding
Compared to 5 years ago, SK has less shares outstanding
SK has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.11 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.11, SK is in line with its industry, outperforming 56.25% of the companies in the same industry.
SK has a debt to FCF ratio of 9.66. This is a negative value and a sign of low solvency as SK would need 9.66 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.66, SK is in line with its industry, outperforming 50.00% of the companies in the same industry.
A Debt/Equity ratio of 0.67 indicates that SK is somewhat dependend on debt financing.
SK's Debt to Equity ratio of 0.67 is in line compared to the rest of the industry. SK outperforms 40.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.11 |
ROIC/WACC1.19
WACC5.41%
2.3 Liquidity
A Current Ratio of 1.21 indicates that SK should not have too much problems paying its short term obligations.
SK has a Current ratio of 1.21. This is in the lower half of the industry: SK underperforms 62.50% of its industry peers.
SK has a Quick Ratio of 1.21. This is a bad value and indicates that SK is not financially healthy enough and could expect problems in meeting its short term obligations.
SK's Quick ratio of 0.74 is on the low side compared to the rest of the industry. SK is outperformed by 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 |
3. Growth
3.1 Past
SK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.19%.
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.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.
SK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.37% yearly.
EPS 1Y (TTM)-39.19%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-56.98%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
3.2 Future
SK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.89% yearly.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y5.59%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue Next Year4.26%
Revenue Next 2Y4.4%
Revenue Next 3Y4.53%
Revenue Next 5Y3.71%
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.
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
With a Price/Earnings ratio of 18.95, SK is valued on the expensive side.
Based on the Price/Earnings ratio, SK is valued a bit more expensive than the industry average as 62.50% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.34, SK is valued a bit cheaper.
SK is valuated reasonably with a Price/Forward Earnings ratio of 8.91.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SK is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.95 | ||
| Fwd PE | 8.91 |
4.2 Price Multiples
SK's Enterprise Value to EBITDA is on the same level as the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.05 | ||
| EV/EBITDA | 6.5 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.39
PEG (5Y)N/A
EPS Next 2Y8.53%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 3.33%.
Compared to an average industry Dividend Yield of 4.50, SK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, SK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
5.2 History
The dividend of SK is nicely growing with an annual growth rate of 7.10%!
Dividend Growth(5Y)7.1%
Div Incr Years2
Div Non Decr Years4
5.3 Sustainability
83.58% of the earnings are spent on dividend by SK. This is not a sustainable payout ratio.
SK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP83.58%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPA:SK (6/19/2025, 3:43:37 PM)
80.175
-1.03 (-1.26%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners25.4%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap4.44B
Analysts86
Price Target129.23 (61.18%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.33% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP83.58%
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)-7.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.37%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.95 | ||
| Fwd PE | 8.91 | ||
| P/S | 0.54 | ||
| P/FCF | 14.05 | ||
| P/OCF | 8.33 | ||
| P/B | 1.35 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.5 |
EPS(TTM)4.23
EY5.28%
EPS(NY)9
Fwd EY11.22%
FCF(TTM)5.71
FCFY7.12%
OCF(TTM)9.62
OCFY12%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)3.39
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 7.08% | ||
| ROCE | 9.95% | ||
| ROIC | 6.43% | ||
| ROICexc | 7.82% | ||
| ROICexgc | 21.64% | ||
| OM | 7.02% | ||
| PM (TTM) | 2.81% | ||
| GM | 40.62% | ||
| FCFM | 3.82% |
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%
ROICexcg growth 3Y-12.16%
ROICexcg 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-Score7
Asset Turnover0.89
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Debt/EBITDA | 2.52 | ||
| Cap/Depr | 73.45% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | 7.1 | ||
| Cash Conversion | 60.86% | ||
| Profit Quality | 136.16% | ||
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 | ||
| Altman-Z | 2.11 |
F-Score7
WACC5.41%
ROIC/WACC1.19
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)-39.19%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-56.98%
EPS Next Y5.59%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue 1Y (TTM)3.25%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%3%
Revenue Next Year4.26%
Revenue Next 2Y4.4%
Revenue Next 3Y4.53%
Revenue Next 5Y3.71%
EBIT growth 1Y-16.73%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year46.05%
EBIT Next 3Y18.89%
EBIT Next 5YN/A
FCF growth 1Y-62.63%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-47.85%
OCF growth 3Y-2.43%
OCF growth 5Y-4.83%