SEB SA (SK.PA) Stock Fundamental Analysis

EPA:SK • FR0000121709

51.625 EUR
-0.33 (-0.63%)
Last: Feb 18, 2026, 01:31 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall SK gets a fundamental rating of 4 out of 10. We evaluated SK against 33 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year SK was profitable.
  • SK had a positive operating cash flow in the past year.
  • Each year in the past 5 years SK has been profitable.
  • SK had a positive operating cash flow in each of the past 5 years.
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 200M 400M 600M 800M 1B

1.2 Ratios

  • SK's Return On Assets of 1.46% is in line compared to the rest of the industry. SK outperforms 51.52% of its industry peers.
  • SK's Return On Equity of 4.53% is in line compared to the rest of the industry. SK outperforms 54.55% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.76%, SK is in line with its industry, outperforming 57.58% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SK is below the industry average of 9.70%.
Industry RankSector 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%
SK.PA Yearly ROA, ROE, ROICSK.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • SK has a Profit Margin (1.61%) which is in line with its industry peers.
  • SK's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 5.48%, SK perfoms like the industry average, outperforming 51.52% of the companies in the same industry.
  • In the last couple of years the Operating Margin of SK has declined.
  • SK's Gross Margin of 40.54% is in line compared to the rest of the industry. SK outperforms 51.52% of its industry peers.
  • SK's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 5.48%
PM (TTM) 1.61%
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%
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 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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
  • SK has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for SK has been reduced compared to a year ago.
SK.PA Yearly Shares OutstandingSK.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 1.90 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • SK's Altman-Z score of 1.90 is in line compared to the rest of the industry. SK outperforms 48.48% of its industry peers.
  • SK has a debt to FCF ratio of 21.62. This is a negative value and a sign of low solvency as SK would need 21.62 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 21.62, SK is in line with its industry, outperforming 48.48% of the companies in the same industry.
  • A Debt/Equity ratio of 1.01 is on the high side and indicates that SK has dependencies on debt financing.
  • The Debt to Equity ratio of SK (1.01) is worse than 75.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.01
Debt/FCF 21.62
Altman-Z 1.9
ROIC/WACC0.97
WACC4.89%
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 1B 2B 3B

2.3 Liquidity

  • SK has a Current Ratio of 1.22. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.22, SK is doing worse than 60.61% of the companies in the same industry.
  • SK has a Quick Ratio of 1.22. This is a bad value and indicates that SK is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.61, SK is doing worse than 72.73% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 0.61
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 1B 2B 3B 4B 5B

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

4

3. Growth

3.1 Past

  • The earnings per share for SK have decreased strongly by -67.44% in the last year.
  • SK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -9.30% yearly.
  • The Revenue has been growing slightly by 1.71% in the past year.
  • SK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.37% yearly.
EPS 1Y (TTM)-67.44%
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

  • Based on estimates for the next years, SK will show a small growth in Earnings Per Share. The EPS will grow by 3.25% on average per year.
  • 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-44.3%
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%
EPS Next 5Y3.25%
Revenue Next Year-1.41%
Revenue Next 2Y1.06%
Revenue Next 3Y2.15%
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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 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 2 4 6 8

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4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 21.42 indicates a rather expensive valuation of SK.
  • Based on the Price/Earnings ratio, SK is valued a bit cheaper than the industry average as 60.61% of the companies are valued more expensively.
  • SK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.16.
  • A Price/Forward Earnings ratio of 8.17 indicates a reasonable valuation of SK.
  • Based on the Price/Forward Earnings ratio, SK is valued a bit cheaper than 75.76% of the companies in the same industry.
  • SK is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.42
Fwd PE 8.17
SK.PA Price Earnings VS Forward Price EarningsSK.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than 63.64% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as SK.
Industry RankSector Rank
P/FCF 18.41
EV/EBITDA 6.37
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 earnings are expected to decrease with -4.15% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.33%, SK is a good candidate for dividend investing.
  • SK's Dividend Yield is a higher than the industry average which is at 2.76.
  • SK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.33%

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

5.3 Sustainability

  • 155.72% of the earnings are spent on dividend by SK. This is not a sustainable payout ratio.
  • The dividend of SK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP155.72%
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%
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 200M 400M 600M 800M
SK.PA Dividend Payout.SK.PA Dividend Payout, showing the Payout Ratio.SK.PA Dividend Payout.PayoutRetained Earnings

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SEB SA

EPA:SK (2/18/2026, 1:31:01 PM)

51.625

-0.33 (-0.63%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)10-23
Earnings (Next)02-25
Inst Owners33.95%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.86B
Revenue(TTM)8.27B
Net Income(TTM)132.80M
Analysts84
Price Target88.37 (71.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.33%
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP155.72%
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)-3.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.55%
EPS NY rev (3m)-1.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 21.42
Fwd PE 8.17
P/S 0.35
P/FCF 18.41
P/OCF 7.19
P/B 0.97
P/tB N/A
EV/EBITDA 6.37
EPS(TTM)2.41
EY4.67%
EPS(NY)6.32
Fwd EY12.24%
FCF(TTM)2.8
FCFY5.43%
OCF(TTM)7.18
OCFY13.9%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number53.59
Profitability
Industry RankSector Rank
ROA 1.46%
ROE 4.53%
ROCE 7.59%
ROIC 4.76%
ROICexc 5.3%
ROICexgc 11.75%
OM 5.48%
PM (TTM) 1.61%
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 RankSector Rank
Debt/Equity 1.01
Debt/FCF 21.62
Debt/EBITDA 4.03
Cap/Depr 84.85%
Cap/Sales 2.93%
Interest Coverage 4.96
Cash Conversion 53.8%
Profit Quality 116.87%
Current Ratio 1.22
Quick Ratio 0.61
Altman-Z 1.9
F-Score5
WACC4.89%
ROIC/WACC0.97
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)-67.44%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-99.45%
EPS Next Y-44.3%
EPS Next 2Y-13.87%
EPS Next 3Y-4.15%
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-40.65%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year10.64%
EBIT Next 3Y11.69%
EBIT Next 5Y15.62%
FCF growth 1Y-80.68%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-60.33%
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.


Can you provide the valuation status for SEB SA?

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 21.42 and the Price/Book (PB) ratio is 0.97.


What is the earnings growth outlook for SEB SA?

The Earnings per Share (EPS) of SEB SA (SK.PA) is expected to decline by -44.3% in the next year.