Skandinaviska Enskilda Banken AB (publ) Logo

Skandinaviska Enskilda Banken AB (publ)

SEB-A.ST

(3.0)
Stock Price

151,85 SEK

0.91% ROA

17.49% ROE

8.2x PER

Market Cap.

312.505.082.921,00 SEK

538.04% DER

1.98% Yield

27.18% NPM

Skandinaviska Enskilda Banken AB (publ) Stock Analysis

Skandinaviska Enskilda Banken AB (publ) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Skandinaviska Enskilda Banken AB (publ) Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.61%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROA

The stock's ROA (0.9%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.21x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Buffet Intrinsic Value

The company's stock seems undervalued (340) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (449%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Skandinaviska Enskilda Banken AB (publ) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Skandinaviska Enskilda Banken AB (publ) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Skandinaviska Enskilda Banken AB (publ) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Skandinaviska Enskilda Banken AB (publ) Revenue
Year Revenue Growth
2002 27.378.000.000
2003 27.071.000.000 -1.13%
2004 28.225.000.000 4.09%
2005 34.227.000.000 17.54%
2006 44.754.000.000 23.52%
2007 45.855.000.000 2.4%
2008 43.436.000.000 -5.57%
2009 54.021.000.000 19.59%
2010 51.085.000.000 -5.75%
2011 47.692.000.000 -7.11%
2012 52.560.000.000 9.26%
2013 49.700.000.000 -5.75%
2014 61.096.000.000 18.65%
2015 52.535.000.000 -16.3%
2016 43.072.000.000 -21.97%
2017 45.648.000.000 5.64%
2018 45.683.000.000 0.08%
2019 49.753.000.000 8.18%
2020 49.654.000.000 -0.2%
2021 54.586.000.000 9.04%
2022 64.577.000.000 15.47%
2023 83.916.000.000 23.05%
2023 80.196.000.000 -4.64%
2024 197.556.000.000 59.41%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Skandinaviska Enskilda Banken AB (publ) Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Skandinaviska Enskilda Banken AB (publ) General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 7.642.000.000 100%
2009 5.504.000.000 -38.84%
2010 7.303.000.000 24.63%
2011 0 0%
2012 840.000.000 100%
2013 840.000.000 0%
2014 905.000.000 7.18%
2015 765.000.000 -18.3%
2016 697.000.000 -9.76%
2017 842.000.000 17.22%
2018 731.000.000 -15.18%
2019 797.000.000 8.28%
2020 687.000.000 -16.01%
2021 688.000.000 0.15%
2022 899.000.000 23.47%
2023 0 0%
2023 1.036.000.000 100%
2024 740.000.000 -40%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Skandinaviska Enskilda Banken AB (publ) EBITDA
Year EBITDA Growth
2002 8.852.000.000
2003 9.396.000.000 5.79%
2004 10.009.000.000 6.12%
2005 46.741.000.000 78.59%
2006 68.280.000.000 31.55%
2007 88.376.000.000 22.74%
2008 92.544.000.000 4.5%
2009 48.644.000.000 -90.25%
2010 40.888.000.000 -18.97%
2011 55.326.000.000 26.1%
2012 51.744.000.000 -6.92%
2013 50.838.000.000 -1.78%
2014 53.909.000.000 5.7%
2015 41.603.000.000 -29.58%
2016 32.091.000.000 -29.64%
2017 38.215.000.000 16.03%
2018 46.293.000.000 17.45%
2019 26.595.000.000 -74.07%
2020 21.661.000.000 -22.78%
2021 32.767.000.000 33.89%
2022 58.635.000.000 44.12%
2023 53.892.000.000 -8.8%
2023 49.963.000.000 -7.86%
2024 2.012.000.000 -2383.25%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Skandinaviska Enskilda Banken AB (publ) Gross Profit
Year Gross Profit Growth
2002 27.378.000.000
2003 27.071.000.000 -1.13%
2004 28.225.000.000 4.09%
2005 34.227.000.000 17.54%
2006 44.754.000.000 23.52%
2007 45.855.000.000 2.4%
2008 43.436.000.000 -5.57%
2009 54.021.000.000 19.59%
2010 51.085.000.000 -5.75%
2011 47.692.000.000 -7.11%
2012 52.560.000.000 9.26%
2013 49.700.000.000 -5.75%
2014 61.096.000.000 18.65%
2015 52.535.000.000 -16.3%
2016 43.072.000.000 -21.97%
2017 45.648.000.000 5.64%
2018 45.683.000.000 0.08%
2019 49.753.000.000 8.18%
2020 49.654.000.000 -0.2%
2021 54.586.000.000 9.04%
2022 64.577.000.000 15.47%
2023 83.916.000.000 23.05%
2023 80.196.000.000 -4.64%
2024 197.556.000.000 59.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Skandinaviska Enskilda Banken AB (publ) Net Profit
Year Net Profit Growth
2002 5.318.000.000
2003 5.704.000.000 6.77%
2004 6.590.000.000 13.44%
2005 8.421.000.000 21.74%
2006 12.605.000.000 33.19%
2007 13.618.000.000 7.44%
2008 10.041.000.000 -35.62%
2009 1.114.000.000 -801.35%
2010 6.745.000.000 83.48%
2011 11.107.000.000 39.27%
2012 11.632.000.000 4.51%
2013 14.771.000.000 21.25%
2014 19.218.000.000 23.14%
2015 16.581.000.000 -15.9%
2016 10.618.000.000 -56.16%
2017 16.244.000.000 34.63%
2018 23.134.000.000 29.78%
2019 20.177.000.000 -14.66%
2020 15.746.000.000 -28.14%
2021 25.423.000.000 38.06%
2022 26.877.000.000 5.41%
2023 42.324.000.000 36.5%
2023 38.116.000.000 -11.04%
2024 37.664.000.000 -1.2%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Skandinaviska Enskilda Banken AB (publ) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 4
2003 4 25%
2004 6 20%
2005 3 -66.67%
2006 5 25%
2007 5 20%
2008 10 50%
2009 1 0%
2010 3 100%
2011 5 25%
2012 5 20%
2013 7 16.67%
2014 9 25%
2015 8 -14.29%
2016 5 -75%
2017 7 42.86%
2018 11 30%
2019 9 -11.11%
2020 7 -28.57%
2021 12 36.36%
2022 13 8.33%
2023 20 40%
2023 18 -11.11%
2024 18 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Skandinaviska Enskilda Banken AB (publ) Free Cashflow
Year Free Cashflow Growth
2002 2.882.000.000
2003 -8.323.000.000 134.63%
2004 -25.835.000.000 67.78%
2005 -37.123.000.000 30.41%
2006 -17.592.000.000 -111.02%
2007 81.743.000.000 121.52%
2008 -22.281.000.000 466.87%
2009 -75.430.000.000 70.46%
2010 -3.472.000.000 -2072.52%
2011 215.085.000.000 101.61%
2012 -8.743.000.000 2560.08%
2013 -35.561.000.000 75.41%
2014 -149.173.000.000 76.16%
2015 20.311.000.000 834.44%
2016 42.140.000.000 51.8%
2017 47.914.000.000 12.05%
2018 27.243.000.000 -75.88%
2019 -62.592.000.000 143.52%
2020 190.005.000.000 132.94%
2021 129.647.000.000 -46.56%
2022 -71.192.000.000 282.11%
2023 23.730.000.000 400.01%
2023 -39.426.000.000 160.19%
2024 -829.000.000 -4655.85%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Skandinaviska Enskilda Banken AB (publ) Operating Cashflow
Year Operating Cashflow Growth
2002 4.895.000.000
2003 -7.096.000.000 168.98%
2004 -24.904.000.000 71.51%
2005 -34.696.000.000 28.22%
2006 -16.977.000.000 -104.37%
2007 84.773.000.000 120.03%
2008 -16.441.000.000 615.62%
2009 -74.456.000.000 77.92%
2010 -3.472.000.000 -2044.47%
2011 218.830.000.000 101.59%
2012 -6.653.000.000 3389.19%
2013 -33.172.000.000 79.94%
2014 -148.500.000.000 77.66%
2015 21.002.000.000 807.08%
2016 42.591.000.000 50.69%
2017 48.000.000.000 11.27%
2018 28.259.000.000 -69.86%
2019 -61.513.000.000 145.94%
2020 190.316.000.000 132.32%
2021 130.291.000.000 -46.07%
2022 -70.166.000.000 285.69%
2023 23.730.000.000 395.68%
2023 -38.387.000.000 161.82%
2024 -829.000.000 -4530.52%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Skandinaviska Enskilda Banken AB (publ) Capital Expenditure
Year Capital Expenditure Growth
2002 2.013.000.000
2003 1.227.000.000 -64.06%
2004 931.000.000 -31.79%
2005 2.427.000.000 61.64%
2006 615.000.000 -294.63%
2007 3.030.000.000 79.7%
2008 5.840.000.000 48.12%
2009 974.000.000 -499.59%
2010 0 0%
2011 3.745.000.000 100%
2012 2.090.000.000 -79.19%
2013 2.389.000.000 12.52%
2014 673.000.000 -254.98%
2015 691.000.000 2.6%
2016 451.000.000 -53.22%
2017 86.000.000 -424.42%
2018 1.016.000.000 91.54%
2019 1.079.000.000 5.84%
2020 311.000.000 -246.95%
2021 644.000.000 51.71%
2022 1.026.000.000 37.23%
2023 0 0%
2023 1.039.000.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Skandinaviska Enskilda Banken AB (publ) Equity
Year Equity Growth
2002 46.018.000.000
2003 48.537.000.000 5.19%
2004 51.008.000.000 4.84%
2005 56.796.000.000 10.19%
2006 67.267.000.000 15.57%
2007 76.719.000.000 12.32%
2008 83.729.000.000 8.37%
2009 99.669.000.000 15.99%
2010 99.543.000.000 -0.13%
2011 109.161.000.000 8.81%
2012 109.513.000.000 0.32%
2013 122.814.000.000 10.83%
2014 134.576.000.000 8.74%
2015 142.798.000.000 5.76%
2016 140.976.000.000 -1.29%
2017 143.925.000.000 2.05%
2018 148.789.000.000 3.27%
2019 155.700.000.000 4.44%
2020 171.943.000.000 9.45%
2021 193.228.000.000 11.02%
2022 204.523.000.000 5.52%
2023 221.775.000.000 7.78%
2023 217.671.000.000 -1.89%
2024 217.633.000.000 -0.02%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Skandinaviska Enskilda Banken AB (publ) Assets
Year Assets Growth
2002 1.241.112.000.000
2003 1.279.393.000.000 2.99%
2004 1.591.318.000.000 19.6%
2005 1.889.738.000.000 15.79%
2006 1.934.441.000.000 2.31%
2007 2.344.462.000.000 17.49%
2008 2.510.702.000.000 6.62%
2009 2.308.227.000.000 -8.77%
2010 2.179.821.000.000 -5.89%
2011 2.362.653.000.000 7.74%
2012 2.453.456.000.000 3.7%
2013 2.484.834.000.000 1.26%
2014 2.641.246.000.000 5.92%
2015 2.495.964.000.000 -5.82%
2016 2.620.646.000.000 4.76%
2017 2.559.596.000.000 -2.39%
2018 2.567.516.000.000 0.31%
2019 2.856.648.000.000 10.12%
2020 3.040.432.000.000 6.04%
2021 3.304.230.000.000 7.98%
2022 3.532.810.000.000 6.47%
2023 3.608.218.000.000 2.09%
2023 4.133.665.000.000 12.71%
2024 4.152.293.000.000 0.45%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Skandinaviska Enskilda Banken AB (publ) Liabilities
Year Liabilities Growth
2002 464.771.000.000
2003 489.620.000.000 5.08%
2004 654.685.000.000 25.21%
2005 1.832.942.000.000 64.28%
2006 1.867.174.000.000 1.83%
2007 2.267.743.000.000 17.66%
2008 2.426.973.000.000 6.56%
2009 2.208.558.000.000 -9.89%
2010 2.080.278.000.000 -6.17%
2011 2.253.492.000.000 7.69%
2012 2.343.943.000.000 3.86%
2013 2.362.020.000.000 0.77%
2014 2.506.670.000.000 5.77%
2015 2.353.166.000.000 -6.52%
2016 2.479.670.000.000 5.1%
2017 2.415.671.000.000 -2.65%
2018 2.418.727.000.000 0.13%
2019 2.700.948.000.000 10.45%
2020 2.868.489.000.000 5.84%
2021 3.111.002.000.000 7.8%
2022 3.328.287.000.000 6.53%
2023 867.838.000.000 -283.51%
2023 977.493.000.000 11.22%
2024 3.934.660.000.000 75.16%

Skandinaviska Enskilda Banken AB (publ) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
67.81
Net Income per Share
18.43
Price to Earning Ratio
8.2x
Price To Sales Ratio
2.24x
POCF Ratio
-1.56
PFCF Ratio
-1.56
Price to Book Ratio
1.43
EV to Sales
5.63
EV Over EBITDA
29.85
EV to Operating CashFlow
-3.93
EV to FreeCashFlow
-3.91
Earnings Yield
0.12
FreeCashFlow Yield
-0.64
Market Cap
312,51 Bil.
Enterprise Value
784,43 Bil.
Graham Number
209.56
Graham NetNet
-1913.22

Income Statement Metrics

Net Income per Share
18.43
Income Quality
-4.15
ROE
0.17
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.78
EBT Per Ebit
1
Ebit per Revenue
0.35
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.35
Pretax Profit Margin
0.35
Net Profit Margin
0.27

Dividends

Dividend Yield
0.02
Dividend Yield %
1.98
Payout Ratio
1
Dividend Per Share
3

Operating Metrics

Operating Cashflow per Share
-97.02
Free CashFlow per Share
-97.52
Capex to Operating CashFlow
-0.01
Capex to Revenue
0.01
Capex to Depreciation
0.51
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.51

Balance Sheet

Cash per Share
1,46
Book Value per Share
105,90
Tangible Book Value per Share
102.48
Shareholders Equity per Share
105.9
Interest Debt per Share
620.87
Debt to Equity
5.38
Debt to Assets
0.28
Net Debt to EBITDA
17.96
Current Ratio
11.08
Tangible Asset Value
210,60 Bil.
Net Current Asset Value
-3.275,99 Bil.
Invested Capital
613749000000
Working Capital
599,20 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.75

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Skandinaviska Enskilda Banken AB (publ) Dividends
Year Dividends Growth
2000 2
2001 2 50%
2002 2 0%
2003 2 0%
2004 2 0%
2005 2 0%
2006 2 0%
2007 3 33.33%
2008 3 0%
2010 1 -200%
2011 2 0%
2012 2 0%
2013 3 50%
2014 4 50%
2015 5 0%
2016 5 20%
2017 6 0%
2018 6 0%
2019 1 0%
2020 6 100%
2021 8 25%
2022 6 -33.33%
2023 7 0%
2024 3 -100%

Skandinaviska Enskilda Banken AB (publ) Profile

About Skandinaviska Enskilda Banken AB (publ)

Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management divisions. The company offers research and strategy services; analysis, advisory, execution, and trading services in the foreign exchange, fixed income, equities, and commodities markets; transaction services, including cash management, trade and supply chain finance, and business services; and investor services. It also provides investment banking services, such as corporate finance advisory services related to acquisitions, divestments, and mergers; equity capital market services related to initial public offerings, rights issues, and placings; debt transaction services comprising bonds, corporate acquisition financing, and general corporate refinancing services; leveraged and structured finance services, as well as real estate and shipping finance services. In addition, the company offers venture capital for entrepreneurs and innovators; asset management products that include equities, fixed income securities, hedge funds, commodities, and private equity solutions; and pensions, life insurance, health care insurance, and disability insurance. It serves large corporations and financial institutions, private customers, and small and medium-sized corporates. The company offers its services through 156 branch offices. It operates in Sweden, Norway, Denmark, Finland, Estonia, Latvia, Lithuania, Germany, the United Kingdom, the United States, Ireland, Luxembourg, China, Singapore, Russia, Poland, Hong Kong, Ukraine, and internationally. The company was founded in 1856 and is headquartered in Stockholm, Sweden.

CEO
Mr. Mats Emil Torstendahl
Employee
17.810
Address
Kungsträdgårdsgatan 8
Stockholm, 106 40

Skandinaviska Enskilda Banken AB (publ) Executives & BODs

Skandinaviska Enskilda Banken AB (publ) Executives & BODs
# Name Age
1 Cecilia Wolrath Ekenback
Head of Group Compliance
70
2 Mr. Jonas Arthur Ahlstrom
Chief Operating Officer, Deputy President & Chief Executive Officer
70
3 Mr. Johan Torgeby
Director
70
4 Mr. Mats Emil Torstendahl
Deputy President, Deputy Chief Executive Officer and Group FCP Senior Manager
70
5 Mr. Masih Yazdi
Chief Financial Officer
70
6 Mr. Ainar Leppänen
Head of Retail & Banking Technology and Member of Management Board
70
7 Mr. John Abrahamson
Head of Corporate Finance Unit
70
8 Svante Hedin
Chief Information Officer & Deputy Head of Fixed Income, Currency and Commodity Markets
70
9 Mr. Pawel Wyszynski
Head of Investor Relations
70
10 Mr. Hans Ragnhäll
Secretary & Group General Counsel
70

Skandinaviska Enskilda Banken AB (publ) Competitors