SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - Euronext Paris - Matif - FR0000121709 - Common Stock - Currency: EUR
Taking everything into account, SK scores 3 out of 10 in our fundamental rating. SK was compared to 33 industry peers in the Household Durables industry. SK has a bad profitability rating. Also its financial health evaluation is rather negative. SK is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SK had positive earnings in the past year.
In the past year SK had a positive cash flow from operations.
Each year in the past 5 years SK has been profitable.
Each year in the past 5 years SK had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SK (2.49%) is comparable to the rest of the industry.
SK's Return On Equity of 7.08% is in line compared to the rest of the industry. SK outperforms 41.94% of its industry peers.
SK has a worse Return On Invested Capital (6.43%) than 61.29% of its industry peers.
SK had an Average Return On Invested Capital over the past 3 years of 6.79%. This is significantly below the industry average of 17.06%.
| 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
SK's Profit Margin of 2.81% is on the low side compared to the rest of the industry. SK is outperformed by 61.29% of its industry peers.
In the last couple of years the Profit Margin of SK has declined.
SK's Operating Margin of 7.02% is in line compared to the rest of the industry. SK outperforms 51.61% of its industry peers.
In the last couple of years the Operating Margin of SK has declined.
With a Gross Margin value of 40.62%, SK perfoms like the industry average, outperforming 51.61% of the companies in the same industry.
SK's Gross Margin has been stable in the last couple of years.
| 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.
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.
The debt/assets ratio for SK has been reduced compared to a year ago.
2.2 Solvency
SK has an Altman-Z score of 2.13. 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.
SK has a Altman-Z score (2.13) which is comparable to the rest of the 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.
SK has a Debt to FCF ratio (9.66) which is in line with its industry peers.
SK has a Debt/Equity ratio of 0.67. This is a neutral value indicating SK is somewhat dependend on debt financing.
SK has a worse Debt to Equity ratio (0.67) than 61.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.13 |
ROIC/WACC1.16
WACC5.54%
2.3 Liquidity
SK has a Current Ratio of 1.21. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
SK has a worse Current ratio (1.21) than 67.74% 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 has a Quick ratio of 0.74. This is in the lower half of the industry: SK underperforms 67.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 0.74 |
3. Growth
3.1 Past
The earnings per share for SK have decreased strongly by -39.19% 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.
Looking at the last year, SK shows a small growth in Revenue. The Revenue has grown by 3.25% in the last year.
Measured over the past years, SK shows a small growth in Revenue. The Revenue has been growing by 2.37% on average per year.
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
Based on estimates for the next years, SK will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.89% on average per year.
SK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.71% yearly.
EPS Next Y5.59%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPS Next 5YN/A
Revenue Next Year5.05%
Revenue Next 2Y4.81%
Revenue Next 3Y4.69%
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
SK is valuated rather expensively with a Price/Earnings ratio of 19.86.
Compared to the rest of the industry, the Price/Earnings ratio of SK indicates a slightly more expensive valuation: SK is more expensive than 64.52% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of SK to the average of the S&P500 Index (28.18), we can say SK is valued slightly cheaper.
SK is valuated reasonably with a Price/Forward Earnings ratio of 9.34.
64.52% 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 (20.81), we can say SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.86 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
SK's Enterprise Value to EBITDA ratio is in line with the industry average.
SK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.72 | ||
| EV/EBITDA | 6.68 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.55
PEG (5Y)N/A
EPS Next 2Y8.53%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.39%, SK has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.93, SK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, SK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
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 Years1
Div Non Decr Years3
5.3 Sustainability
SK pays out 83.58% of its income as dividend. 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 (5/2/2025, 7:00:00 PM)
84
+1.3 (+1.57%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners27.9%
Inst Owner ChangeN/A
Ins Owners1.43%
Ins Owner ChangeN/A
Market Cap4.65B
Analysts86.67
Price Target133.15 (58.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.39% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP83.58%
Div Incr Years1
Div Non Decr Years3
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)-3.54%
PT rev (3m)-5.81%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.18%
EPS NY rev (3m)-5.57%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.86 | ||
| Fwd PE | 9.34 | ||
| P/S | 0.56 | ||
| P/FCF | 14.72 | ||
| P/OCF | 8.73 | ||
| P/B | 1.42 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.68 |
EPS(TTM)4.23
EY5.04%
EPS(NY)9
Fwd EY10.71%
FCF(TTM)5.71
FCFY6.8%
OCF(TTM)9.62
OCFY11.46%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)3.55
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 | 2.13 |
F-Score7
WACC5.54%
ROIC/WACC1.16
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 Year5.05%
Revenue Next 2Y4.81%
Revenue Next 3Y4.69%
Revenue Next 5Y3.71%
EBIT growth 1Y-16.73%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year50.06%
EBIT Next 3Y20.04%
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%