SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - Euronext Paris - Matif - FR0000121709 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to SK. SK was compared to 35 industry peers in the Household Durables industry. SK has a medium profitability rating, but doesn't score so well on its financial health evaluation. SK is not valued too expensively and it also shows a decent growth rate. SK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SK was profitable.
In the past year SK had a positive cash flow from operations.
In the past 5 years SK has always been profitable.
SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SK has a Return On Assets of 2.49%. This is comparable to the rest of the industry: SK outperforms 48.57% of its industry peers.
With a Return On Equity value of 7.08%, SK perfoms like the industry average, outperforming 51.43% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.43%, SK is in line with its industry, outperforming 48.57% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SK is significantly below the industry average of 16.45%.
| 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
The Profit Margin of SK (2.81%) is comparable to the rest of the industry.
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 54.29% of its industry peers.
In the last couple of years the Operating Margin of SK has declined.
SK's Gross Margin of 40.62% is in line compared to the rest of the industry. SK outperforms 54.29% of its industry peers.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so SK is still creating some value.
SK has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SK has less shares outstanding
The debt/assets ratio for SK has been reduced compared to a year ago.
2.2 Solvency
SK has an Altman-Z score of 2.01. 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 of 2.01. This is comparable to the rest of the industry: SK outperforms 48.57% of its industry peers.
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 54.29% of the companies in the same industry.
A Debt/Equity ratio of 0.67 indicates that SK is somewhat dependend on debt financing.
SK has a worse Debt to Equity ratio (0.67) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.01 |
ROIC/WACC1.29
WACC4.99%
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.
With a Current ratio value of 1.21, SK is not doing good in the industry: 65.71% of the companies in the same industry are doing better.
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 65.71% 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%.
The Earnings Per Share has been decreasing by -9.30% on average over the past years.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.
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
The Earnings Per Share is expected to grow by 8.89% on average over the next years. This is quite good.
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 Year1.8%
Revenue Next 2Y3.02%
Revenue Next 3Y3.61%
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
Based on the Price/Earnings ratio of 14.93, the valuation of SK can be described as correct.
SK's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.82, SK is valued a bit cheaper.
A Price/Forward Earnings ratio of 7.02 indicates a rather cheap valuation of SK.
Based on the Price/Forward Earnings ratio, SK is valued a bit cheaper than the industry average as 77.14% of the companies are valued more expensively.
SK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.93 | ||
| Fwd PE | 7.02 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 68.57% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, SK is valued a bit cheaper than 68.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.07 | ||
| EV/EBITDA | 5.32 |
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)2.67
PEG (5Y)N/A
EPS Next 2Y8.53%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 4.35%, which is a nice return.
In the last 3 months the price of SK has falen by -25.60%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
SK's Dividend Yield is a higher than the industry average which is at 4.80.
SK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
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
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 (8/4/2025, 4:07:19 PM)
63.175
+0.67 (+1.08%)
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 Cap3.50B
Analysts86
Price Target127.81 (102.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.35% |
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)-4.01%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.36%
Revenue NY rev (3m)-3.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.93 | ||
| Fwd PE | 7.02 | ||
| P/S | 0.42 | ||
| P/FCF | 11.07 | ||
| P/OCF | 6.57 | ||
| P/B | 1.07 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.32 |
EPS(TTM)4.23
EY6.7%
EPS(NY)9
Fwd EY14.24%
FCF(TTM)5.71
FCFY9.04%
OCF(TTM)9.62
OCFY15.23%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)2.67
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 | 2.01 |
F-Score7
WACC4.99%
ROIC/WACC1.29
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 Year1.8%
Revenue Next 2Y3.02%
Revenue Next 3Y3.61%
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%