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 has a decent growth rate and is not valued too expensively.
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.
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
Looking at the Return On Assets, with a value of 2.49%, SK is in line with its industry, outperforming 45.71% of the companies in the same industry.
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.
SK has a Return On Invested Capital (6.43%) which is in line with 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 15.60%.
| 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 has a Profit Margin of 2.81%. This is comparable to the rest of the industry: SK outperforms 45.71% of its industry peers.
In the last couple of years the Profit Margin of SK has declined.
Looking at the Operating Margin, with a value of 7.02%, SK is in line with its industry, outperforming 54.29% of the companies in the same 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 48.57% 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.
The number of shares outstanding for SK has been reduced compared to 1 year ago.
The number of shares outstanding for SK has been reduced compared to 5 years ago.
SK has a better debt/assets ratio than last year.
2.2 Solvency
SK has an Altman-Z score of 2.12. 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.
The Altman-Z score of SK (2.12) is comparable to the rest of the industry.
The Debt to FCF ratio of SK is 9.66, which is on the high side as it means it would take SK, 9.66 years of fcf income to pay off all of its debts.
SK has a Debt to FCF ratio of 9.66. This is comparable to the rest of the industry: SK outperforms 51.43% of its industry peers.
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 62.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 9.66 | ||
| Altman-Z | 2.12 |
ROIC/WACC1.18
WACC5.43%
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 65.71% 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.
With a Quick ratio value of 0.74, SK is not doing good in the industry: 65.71% of the companies in the same industry are doing better.
| 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.
The Earnings Per Share has been decreasing by -9.30% on average over the past years.
The Revenue has been growing slightly by 3.25% in the past 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
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
Based on the Price/Earnings ratio of 19.54, the valuation of SK can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as SK.
SK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.
SK is valuated reasonably with a Price/Forward Earnings ratio of 9.19.
Based on the Price/Forward Earnings ratio, SK is valued a bit cheaper than 65.71% of the companies in the same industry.
SK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.54 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as SK.
SK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.48 | ||
| EV/EBITDA | 6.64 |
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)3.49
PEG (5Y)N/A
EPS Next 2Y8.53%
EPS Next 3Y8.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 3.31%.
SK's Dividend Yield is a higher than the industry average which is at 4.39.
SK's Dividend Yield is a higher than the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
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.
The dividend of SK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP83.58%
EPS Next 2Y8.53%
EPS Next 3Y8.89%
EPA:SK (7/14/2025, 11:59:52 AM)
82.65
-0.75 (-0.9%)
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 Cap4.57B
Analysts86
Price Target127.81 (54.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
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)-1.09%
PT rev (3m)-7.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.18%
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 | 19.54 | ||
| Fwd PE | 9.19 | ||
| P/S | 0.55 | ||
| P/FCF | 14.48 | ||
| P/OCF | 8.59 | ||
| P/B | 1.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.64 |
EPS(TTM)4.23
EY5.12%
EPS(NY)9
Fwd EY10.88%
FCF(TTM)5.71
FCFY6.91%
OCF(TTM)9.62
OCFY11.64%
SpS149.37
BVpS59.2
TBVpS-1.64
PEG (NY)3.49
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 | 2.12 |
F-Score7
WACC5.43%
ROIC/WACC1.18
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%