SEB SA (SK.PA) Stock Fundamental Analysis
EPA:SK - FR0000121709 - Common Stock
60.8 EUR
-0.35 (-0.57%)
Overall SK gets a fundamental rating of 4 out of 10. We evaluated SK against 33 industry peers in the Household Durables industry. SK has a bad profitability rating. Also its financial health evaluation is rather negative. SK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SK was profitable.
SK had a positive operating cash flow in the past year.
In the past 5 years SK has always 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 (1.46%) is worse than 63.64% of its industry peers.
SK has a Return On Equity of 4.53%. This is in the lower half of the industry: SK underperforms 63.64% of its industry peers.
SK has a Return On Invested Capital of 4.76%. This is comparable to the rest of the industry: SK outperforms 42.42% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SK is below the industry average of 10.58%.
| Industry Rank | Sector 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%
1.3 Margins
With a Profit Margin value of 1.60%, SK is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
SK's Profit Margin has declined in the last couple of years.
SK's Operating Margin of 5.48% is on the low side compared to the rest of the industry. SK is outperformed by 60.61% of its industry peers.
SK's Operating Margin has declined in the last couple of years.
The Gross Margin of SK (40.54%) is comparable to the rest of the industry.
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 | 5.48% | ||
| PM (TTM) | 1.6% | ||
| 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%
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.
SK has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, SK has less shares outstanding
Compared to 1 year ago, SK has an improved debt to assets ratio.
2.2 Solvency
SK has an Altman-Z score of 1.95. 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 (1.95) which is in line with its industry peers.
SK has a debt to FCF ratio of 21.56. This is a negative value and a sign of low solvency as SK would need 21.56 years to pay back of all of its debts.
SK's Debt to FCF ratio of 21.56 is in line compared to the rest of the industry. SK outperforms 45.45% of its industry peers.
A Debt/Equity ratio of 1.01 is on the high side and indicates that SK has dependencies on debt financing.
SK's Debt to Equity ratio of 1.01 is on the low side compared to the rest of the industry. SK is outperformed by 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.95 |
ROIC/WACC0.96
WACC4.94%
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.
With a Current ratio value of 1.22, SK is not doing good in the industry: 69.70% of the companies in the same industry are doing better.
A Quick Ratio of 0.61 indicates that SK may have some problems paying its short term obligations.
SK has a worse Quick ratio (0.61) than 78.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.22 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
SK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -67.48%.
The Earnings Per Share has been decreasing by -9.30% on average over the past years.
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)-67.48%
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
SK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.75% yearly.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y-19.31%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPS Next 5Y6.75%
Revenue Next Year1.48%
Revenue Next 2Y2.88%
Revenue Next 3Y3.5%
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 25.23, the valuation of SK can be described as expensive.
SK's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.02, SK is valued at the same level.
A Price/Forward Earnings ratio of 7.36 indicates a rather cheap valuation of SK.
SK's Price/Forward Earnings ratio is rather cheap when compared to the industry. SK is cheaper than 90.91% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.66, SK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.23 | ||
| Fwd PE | 7.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SK is on the same level as its industry peers.
SK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.62 | ||
| EV/EBITDA | 7.06 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 4.66%, which is a nice return.
The stock price of SK dropped by -27.31% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
SK's Dividend Yield is rather good when compared to the industry average which is at 4.71. SK pays more dividend than 81.82% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, SK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.66% |
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 155.61% of its income as dividend. 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.
DP155.61%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPA:SK (9/8/2025, 7:00:00 PM)
60.8
-0.35 (-0.57%)
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 Cap3.36B
Analysts85
Price Target113.53 (86.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.66% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP155.61%
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)-11.17%
PT rev (3m)-12.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-23.58%
EPS NY rev (3m)-23.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)-2.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.23 | ||
| Fwd PE | 7.36 | ||
| P/S | 0.41 | ||
| P/FCF | 21.62 | ||
| P/OCF | 8.48 | ||
| P/B | 1.15 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.06 |
EPS(TTM)2.41
EY3.96%
EPS(NY)8.27
Fwd EY13.59%
FCF(TTM)2.81
FCFY4.62%
OCF(TTM)7.17
OCFY11.8%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 4.53% | ||
| ROCE | 7.6% | ||
| ROIC | 4.76% | ||
| ROICexc | 5.31% | ||
| ROICexgc | 11.76% | ||
| OM | 5.48% | ||
| PM (TTM) | 1.6% | ||
| 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%
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-Score5
Asset Turnover0.91
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Debt/EBITDA | 4.03 | ||
| Cap/Depr | 84.76% | ||
| Cap/Sales | 2.92% | ||
| Interest Coverage | 4.98 | ||
| Cash Conversion | 53.77% | ||
| Profit Quality | 117.26% | ||
| Current Ratio | 1.22 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.95 |
F-Score5
WACC4.94%
ROIC/WACC0.96
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)-67.48%
EPS 3Y-20.32%
EPS 5Y-9.3%
EPS Q2Q%-99.45%
EPS Next Y-19.31%
EPS Next 2Y-1.5%
EPS Next 3Y2.89%
EPS Next 5Y6.75%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
Revenue Next Year1.48%
Revenue Next 2Y2.88%
Revenue Next 3Y3.5%
Revenue Next 5Y3.71%
EBIT growth 1Y-40.6%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year46.05%
EBIT Next 3Y18.89%
EBIT Next 5Y15.74%
FCF growth 1Y-80.63%
FCF growth 3Y-4.3%
FCF growth 5Y-5.35%
OCF growth 1Y-60.35%
OCF growth 3Y-2.43%
OCF growth 5Y-4.83%