SEB SA (SK.PA) Fundamental Analysis & Valuation
EPA:SK • FR0000121709
45.88 EUR
-0.64 (-1.38%)
Last: Mar 12, 2026, 05:29 PM
This SK.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
We assign a fundamental rating of 4 out of 10 to SK. SK was compared to 32 industry peers in the Household Durables industry. While SK is still in line with the averages on profitability rating, there are concerns on its financial health. SK scores decently on growth, while it is valued quite cheap. This could make an interesting combination. SK also has an excellent dividend rating.
1. SK.PA Profitability Analysis
1.1 Basic Checks
- SK had positive earnings in the past year.
- 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.
1.2 Ratios
- SK's Return On Assets of 2.57% is fine compared to the rest of the industry. SK outperforms 62.50% of its industry peers.
- With a decent Return On Equity value of 7.56%, SK is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- With a decent Return On Invested Capital value of 6.06%, SK is doing good in the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.57% | ||
| ROE | 7.56% | ||
| ROIC | 6.06% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SK's Profit Margin of 2.99% is fine compared to the rest of the industry. SK outperforms 62.50% of its industry peers.
- In the last couple of years the Profit Margin of SK has declined.
- With a Operating Margin value of 6.36%, SK perfoms like the industry average, outperforming 59.38% of the companies in the same industry.
- In the last couple of years the Operating Margin of SK has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.36% | ||
| PM (TTM) | 2.99% | ||
| GM | N/A |
OM growth 3Y-5.48%
OM growth 5Y-5.21%
PM growth 3Y-8.99%
PM growth 5Y-7.11%
GM growth 3YN/A
GM growth 5YN/A
2. SK.PA Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SK is destroying value.
- SK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- SK has an Altman-Z score of 1.87. 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 1.87. This is comparable to the rest of the industry: SK outperforms 43.75% of its industry peers.
- SK has a Debt/Equity ratio of 0.64. This is a neutral value indicating SK is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.64, SK is in line with its industry, outperforming 40.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.87 |
ROIC/WACC0.9
WACC6.72%
2.3 Liquidity
- SK has a Current Ratio of 1.27. This is a normal value and indicates that SK is financially healthy and should not expect problems in meeting its short term obligations.
- SK's Current ratio of 1.27 is on the low side compared to the rest of the industry. SK is outperformed by 65.63% of its industry peers.
- SK has a Quick Ratio of 1.27. 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 (0.78) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.27 | ||
| Quick Ratio | 0.78 |
3. SK.PA Growth Analysis
3.1 Past
- SK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.94%, which is quite impressive.
- Measured over the past years, SK shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.87% on average per year.
- SK shows a decrease in Revenue. In the last year, the revenue decreased by -1.17%.
- Measured over the past years, SK shows a small growth in Revenue. The Revenue has been growing by 3.32% on average per year.
EPS 1Y (TTM)92.94%
EPS 3Y-7.97%
EPS 5Y-3.87%
EPS Q2Q%239.86%
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y0.87%
Revenue growth 5Y3.32%
Sales Q2Q%-2.3%
3.2 Future
- The Earnings Per Share is expected to grow by 27.70% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 4.72% on average over the next years.
EPS Next Y31.11%
EPS Next 2Y26.92%
EPS Next 3Y27.7%
EPS Next 5YN/A
Revenue Next Year2.53%
Revenue Next 2Y3.25%
Revenue Next 3Y3.25%
Revenue Next 5Y4.72%
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. SK.PA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 5.63, the valuation of SK can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of SK indicates a rather cheap valuation: SK is cheaper than 100.00% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of SK to the average of the S&P500 Index (26.15), we can say SK is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.28, which indicates a rather cheap valuation of SK.
- Based on the Price/Forward Earnings ratio, SK is valued a bit cheaper than 68.75% 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 24.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.63 | ||
| Fwd PE | 7.28 |
4.2 Price Multiples
- SK's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SK is cheaper than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.97 |
4.3 Compensation for Growth
- SK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as SK's earnings are expected to grow with 27.70% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y26.92%
EPS Next 3Y27.7%
5. SK.PA Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 6.00%, SK is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.81, SK pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, SK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
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 Years2
Div Non Decr Years4
5.3 Sustainability
- SK pays out 84.46% 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.
DP84.46%
EPS Next 2Y26.92%
EPS Next 3Y27.7%
SK.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:SK (3/12/2026, 5:29:57 PM)
45.88
-0.64 (-1.38%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-23 2026-04-23
Inst Owners32.61%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.54B
Revenue(TTM)8.17B
Net Income(TTM)244.60M
Analysts84
Price Target88.37 (92.61%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6% |
Yearly Dividend3.53
Dividend Growth(5Y)7.1%
DP84.46%
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.22%
EPS NY rev (3m)-0.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.63 | ||
| Fwd PE | 7.28 | ||
| P/S | 0.31 | ||
| P/FCF | N/A | ||
| P/OCF | 12.42 | ||
| P/B | 0.78 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.97 |
EPS(TTM)8.15
EY17.76%
EPS(NY)6.31
Fwd EY13.75%
FCF(TTM)-0.31
FCFYN/A
OCF(TTM)3.69
OCFY8.05%
SpS147.62
BVpS58.47
TBVpS-2.27
PEG (NY)0.18
PEG (5Y)N/A
Graham Number103.54
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.57% | ||
| ROE | 7.56% | ||
| ROCE | 8.43% | ||
| ROIC | 6.06% | ||
| ROICexc | 7.41% | ||
| ROICexgc | 22.25% | ||
| OM | 6.36% | ||
| PM (TTM) | 2.99% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-5.48%
OM growth 5Y-5.21%
PM growth 3Y-8.99%
PM growth 5Y-7.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.86
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 2.59 | ||
| Cap/Depr | 78.5% | ||
| Cap/Sales | 2.71% | ||
| Interest Coverage | 5.71 | ||
| Cash Conversion | 25.5% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.27 | ||
| Quick Ratio | 0.78 | ||
| Altman-Z | 1.87 |
F-Score5
WACC6.72%
ROIC/WACC0.9
Cap/Depr(3y)70.57%
Cap/Depr(5y)74.97%
Cap/Sales(3y)2.51%
Cap/Sales(5y)2.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)92.94%
EPS 3Y-7.97%
EPS 5Y-3.87%
EPS Q2Q%239.86%
EPS Next Y31.11%
EPS Next 2Y26.92%
EPS Next 3Y27.7%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y0.87%
Revenue growth 5Y3.32%
Sales Q2Q%-2.3%
Revenue Next Year2.53%
Revenue Next 2Y3.25%
Revenue Next 3Y3.25%
Revenue Next 5Y4.72%
EBIT growth 1Y-10.47%
EBIT growth 3Y-4.66%
EBIT growth 5Y-2.07%
EBIT Next Year73.45%
EBIT Next 3Y33.38%
EBIT Next 5YN/A
FCF growth 1Y-105.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-61.61%
OCF growth 3Y-9.53%
OCF growth 5Y-26.65%
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 7 / 10 to SEB SA (SK.PA). This can be considered as Undervalued.
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 5.63 and the Price/Book (PB) ratio is 0.78.
What is the earnings growth outlook for SEB SA?
The Earnings per Share (EPS) of SEB SA (SK.PA) is expected to grow by 31.11% in the next year.