(SEB-A) Skandinaviska Enskilda - Ratings and Ratios
Banking, Investment, Wealth, Asset, Management
SEB-A EPS (Earnings per Share)
SEB-A Revenue
Description: SEB-A Skandinaviska Enskilda
Skandinaviska Enskilda Banken AB (publ), commonly referred to as SEB, is a leading Nordic financial services group that provides a comprehensive range of banking services, including corporate and retail banking, investment banking, and private banking. The bank operates through multiple business segments, catering to diverse client needs, from large corporates and financial institutions to private individuals and small and medium-sized enterprises.
SEBs business model is diversified across various geographies, with operations in Sweden, Norway, Denmark, Finland, Estonia, Latvia, Lithuania, Germany, the United Kingdom, and other international markets. This diversification helps mitigate regional economic risks and provides opportunities for growth in multiple markets. The banks extensive service portfolio includes cash management, markets and trading services, financing and investment banking, shipping and real estate finance, venture capital, asset management, and private equity services.
To evaluate SEBs performance, key performance indicators (KPIs) such as Return on Equity (RoE) of 15.05% indicate a relatively strong profitability. The banks Price-to-Earnings (P/E) ratio of 10.01 and forward P/E of 10.46 suggest that the stock may be undervalued compared to its earnings potential. With a market capitalization of 328.58 billion SEK, SEB is one of the larger banks in the Nordic region. Its ability to generate revenue across different business segments and geographies positions it well for long-term sustainability.
From an operational perspective, SEBs focus on digitalization and innovation is likely to be a key driver of future growth, enhancing customer experience and operational efficiency. The banks commitment to serving a wide range of clients, from large corporates to private individuals, underscores its role as a comprehensive financial services provider in the region.
SEB-A Stock Overview
| Market Cap in USD | 38,100m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
SEB-A Stock Ratings
| Growth Rating | 90.1% |
| Fundamental | 55.8% |
| Dividend Rating | 77.0% |
| Return 12m vs S&P 500 | 2.13% |
| Analyst Rating | - |
SEB-A Dividends
| Dividend Yield 12m | 5.03% |
| Yield on Cost 5y | 13.49% |
| Annual Growth 5y | 6.34% |
| Payout Consistency | 79.8% |
| Payout Ratio | 52.7% |
SEB-A Growth Ratios
| Growth Correlation 3m | 89.3% |
| Growth Correlation 12m | 81.6% |
| Growth Correlation 5y | 95.3% |
| CAGR 5y | 24.37% |
| CAGR/Max DD 3y | 1.05 |
| CAGR/Mean DD 3y | 8.68 |
| Sharpe Ratio 12m | 1.32 |
| Alpha | 0.08 |
| Beta | 0.773 |
| Volatility | 17.81% |
| Current Volume | 1882.6k |
| Average Volume 20d | 1955k |
| Stop Loss | 174.9 (-3%) |
| Signal | -0.78 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (33.02b TTM) > 0 and > 6% of Revenue (6% = 7.22b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 1.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1337 % (prev 430.0%; Δ -1767 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.11 (>3.0%) and CFO -447.63b <= Net Income 33.02b (YES >=105%, WARN >=100%) |
| Net Debt (417.71b) to EBITDA (45.40b) ratio: 9.20 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (2.02b) change vs 12m ago -2.65% (target <= -2.0% for YES) |
| Gross Margin 24.65% (prev 85.22%; Δ -60.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 2.91% (prev 3.36%; Δ -0.44pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.47 (EBITDA TTM 45.40b / Interest Expense TTM 90.68b) >= 6 (WARN >= 3) |
Altman Z'' -2.31
| (A) -0.39 = (Total Current Assets 526.71b - Total Current Liabilities 2135.62b) / Total Assets 4110.48b |
| (B) 0.04 = Retained Earnings (Balance) 170.08b / Total Assets 4110.48b |
| (C) 0.01 = EBIT TTM 43.03b / Avg Total Assets 4131.38b |
| (D) 0.05 = Book Value of Equity 192.02b / Total Liabilities 3893.90b |
| Total Rating: -2.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.84
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 0.77% = 0.38 |
| 3. FCF Margin 18.50% = 4.63 |
| 4. Debt/Equity 14.22 = -2.50 |
| 5. Debt/Ebitda 67.85 = -2.50 |
| 6. ROIC - WACC (= 1.55)% = 1.93 |
| 7. RoE 14.55% = 1.21 |
| 8. Rev. Trend 61.84% = 4.64 |
| 9. EPS Trend 1.00% = 0.05 |
What is the price of SEB-A shares?
Over the past week, the price has changed by +1.69%, over one month by +1.41%, over three months by +9.73% and over the past year by +21.26%.
Is Skandinaviska Enskilda a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SEB-A is around 218.35 SEK . This means that SEB-A is currently undervalued and has a potential upside of +21.04% (Margin of Safety).
Is SEB-A a buy, sell or hold?
What are the forecasts/targets for the SEB-A price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 173.9 | -3.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 230.4 | 27.7% |
SEB-A Fundamental Data Overview
Market Cap SEK = 355.41b (355.41b SEK * 1.0 SEK.SEK)
CCE Cash And Equivalents = 526.71b SEK (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.0823
P/E Forward = 11.1235
P/S = 4.5224
P/B = 1.6466
P/EG = 6.5451
Beta = 0.492
Revenue TTM = 120.35b SEK
EBIT TTM = 43.03b SEK
EBITDA TTM = 45.40b SEK
Long Term Debt = 944.42b SEK (from longTermDebt, last quarter)
Short Term Debt = 2135.62b SEK (from totalCurrentLiabilities, last quarter)
Debt = 3080.04b SEK (Calculated: Short Term 2135.62b + Long Term 944.42b)
Net Debt = 417.71b SEK (from netDebt column, last quarter)
Enterprise Value = 2908.74b SEK (355.41b + Debt 3080.04b - CCE 526.71b)
Interest Coverage Ratio = 0.47 (Ebit TTM 43.03b / Interest Expense TTM 90.68b)
FCF Yield = 0.77% (FCF TTM 22.27b / Enterprise Value 2908.74b)
FCF Margin = 18.50% (FCF TTM 22.27b / Revenue TTM 120.35b)
Net Margin = 27.44% (Net Income TTM 33.02b / Revenue TTM 120.35b)
Gross Margin = 24.65% ((Revenue TTM 120.35b - Cost of Revenue TTM 90.68b) / Revenue TTM)
Tobins Q-Ratio = 15.15 (Enterprise Value 2908.74b / Book Value Of Equity 192.02b)
Interest Expense / Debt = 0.63% (Interest Expense 19.52b / Debt 3080.04b)
Taxrate = 22.11% (10.18b / 46.04b)
NOPAT = 33.52b (EBIT 43.03b * (1 - 22.11%))
Current Ratio = 0.25 (Total Current Assets 526.71b / Total Current Liabilities 2135.62b)
Debt / Equity = 14.22 (Debt 3080.04b / last Quarter total Stockholder Equity 216.57b)
Debt / EBITDA = 67.85 (Net Debt 417.71b / EBITDA 45.40b)
Debt / FCF = 138.3 (Debt 3080.04b / FCF TTM 22.27b)
Total Stockholder Equity = 226.93b (last 4 quarters mean)
RoA = 0.80% (Net Income 33.02b, Total Assets 4110.48b )
RoE = 14.55% (Net Income TTM 33.02b / Total Stockholder Equity 226.93b)
RoCE = 3.67% (Ebit 43.03b / (Equity 226.93b + L.T.Debt 944.42b))
RoIC = 2.91% (NOPAT 33.52b / Invested Capital 1153.72b)
WACC = 1.36% (E(355.41b)/V(3435.45b) * Re(8.86%)) + (D(3080.04b)/V(3435.45b) * Rd(0.63%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -100.00 | Cagr: -0.56%
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.88% ; FCFE base≈22.27b ; Y1≈15.26b ; Y5≈7.60b
Fair Price DCF = 65.54 (DCF Value 128.81b / Shares Outstanding 1.97b; 5y FCF grow -36.83% → 3.0% )
EPS Correlation: 1.00 | EPS CAGR: 6.85% | SUE: 0.78 | # QB: 0
Revenue Correlation: 61.84 | Revenue CAGR: 36.66% | SUE: N/A | # QB: None