SEB SA (SK.PA) Stock Fundamental Analysis
Europe - EPA:SK - FR0000121709 - Common Stock
49.06 EUR
-0.58 (-1.17%)
SK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 34 industry peers in the Household Durables industry. There are concerns on the financial health of SK while its profitability can be described as average. 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.
SK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.46%, SK perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
SK's Return On Equity of 4.53% is in line compared to the rest of the industry. SK outperforms 52.94% of its industry peers.
SK's Return On Invested Capital of 4.76% is in line compared to the rest of the industry. SK outperforms 55.88% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SK is below the industry average of 10.47%.
| 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
SK has a Profit Margin (1.60%) which is comparable to the rest of the industry.
SK's Profit Margin has declined in the last couple of years.
SK has a Operating Margin (5.48%) which is in line with its industry peers.
SK's Operating Margin has declined in the last couple of years.
SK's Gross Margin of 40.54% is in line compared to the rest of the industry. SK outperforms 55.88% of its industry peers.
SK's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), SK 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
An Altman-Z score of 1.89 indicates that SK is not a great score, but indicates only limited risk for bankruptcy at the moment.
SK's Altman-Z score of 1.89 is in line compared to the rest of the industry. SK outperforms 50.00% of 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 47.06% of its industry peers.
SK has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SK (1.01) is worse than 79.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 21.56 | ||
| Altman-Z | 1.89 |
ROIC/WACC0.93
WACC5.1%
2.3 Liquidity
A Current Ratio of 1.22 indicates that SK should not have too much problems paying its short term obligations.
SK has a Current ratio of 1.22. This is comparable to the rest of the industry: SK outperforms 41.18% of its industry peers.
A Quick Ratio of 0.61 indicates that SK may have some problems paying its short term obligations.
SK's Quick ratio of 0.61 is on the low side compared to the rest of the industry. SK is outperformed by 85.29% 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%.
Measured over the past years, SK shows a decrease in Earnings Per Share. The EPS has been decreasing by -9.30% on average per year.
SK shows a small growth in Revenue. In the last year, the Revenue has grown by 1.71%.
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)-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
The Earnings Per Share is expected to grow by 3.25% on average over the next years.
The Revenue is expected to grow by 3.71% on average over the next years.
EPS Next Y-43.4%
EPS Next 2Y-13.81%
EPS Next 3Y-4.17%
EPS Next 5Y3.25%
Revenue Next Year-1.41%
Revenue Next 2Y1.06%
Revenue Next 3Y2.16%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 20.36 indicates a rather expensive valuation of SK.
Compared to the rest of the industry, the Price/Earnings ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 61.76% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.34. SK is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 7.75, the valuation of SK can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 73.53% of the companies listed in the same industry.
SK is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.36 | ||
| Fwd PE | 7.75 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SK is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SK indicates a somewhat cheap valuation: SK is cheaper than 64.71% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.45 | ||
| EV/EBITDA | 6.2 |
4.3 Compensation for Growth
SK's earnings are expected to decrease with -4.17% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.81%
EPS Next 3Y-4.17%
5. Dividend
5.1 Amount
SK has a Yearly Dividend Yield of 5.87%, which is a nice return.
The stock price of SK dropped by -25.02% 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.
Compared to an average industry Dividend Yield of 4.94, SK pays a better dividend. On top of this SK pays more dividend than 82.35% of the companies listed in the same industry.
SK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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 155.61% of its income as dividend. This is not a sustainable payout ratio.
SK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP155.61%
EPS Next 2Y-13.81%
EPS Next 3Y-4.17%
EPA:SK (11/13/2025, 5:29:55 PM)
49.06
-0.58 (-1.17%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners31.67%
Inst Owner ChangeN/A
Ins Owners1.38%
Ins Owner ChangeN/A
Market Cap2.71B
Revenue(TTM)8.27B
Net Income(TTM)132.70M
Analysts83.16
Price Target91.99 (87.51%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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)-19.84%
PT rev (3m)-20.03%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-30.51%
EPS NY rev (3m)-46.4%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.8%
Revenue NY rev (3m)-3.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.36 | ||
| Fwd PE | 7.75 | ||
| P/S | 0.33 | ||
| P/FCF | 17.45 | ||
| P/OCF | 6.84 | ||
| P/B | 0.93 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.2 |
EPS(TTM)2.41
EY4.91%
EPS(NY)6.33
Fwd EY12.9%
FCF(TTM)2.81
FCFY5.73%
OCF(TTM)7.17
OCFY14.62%
SpS149.5
BVpS52.95
TBVpS-7.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number53.59
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%
ROICexgc growth 3Y-12.16%
ROICexgc 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 | 1.89 |
F-Score5
WACC5.1%
ROIC/WACC0.93
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-43.4%
EPS Next 2Y-13.81%
EPS Next 3Y-4.17%
EPS Next 5Y3.25%
Revenue 1Y (TTM)1.71%
Revenue growth 3Y0.85%
Revenue growth 5Y2.37%
Sales Q2Q%0.2%
Revenue Next Year-1.41%
Revenue Next 2Y1.06%
Revenue Next 3Y2.16%
Revenue Next 5Y3.71%
EBIT growth 1Y-40.6%
EBIT growth 3Y-8.58%
EBIT growth 5Y-2.78%
EBIT Next Year30.51%
EBIT Next 3Y15.79%
EBIT Next 5Y15.62%
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%
SEB SA / SK.PA FAQ
What is the fundamental rating for SK stock?
ChartMill assigns a fundamental rating of 4 / 10 to SK.PA.
What is the valuation status for SK stock?
ChartMill assigns a valuation rating of 5 / 10 to SEB SA (SK.PA). This can be considered as Fairly Valued.
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 20.36 and the Price/Book (PB) ratio is 0.93.
What is the financial health of SEB SA (SK.PA) stock?
The financial health rating of SEB SA (SK.PA) is 3 / 10.