SEB SA (SK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of SEB SA stock €60.86, price €57.45, upside +5.9%, quality 48 out of 100. Rating: fairly valued. Calculated from audited financials with 22 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range €39.36 – €119.95 · fair‑value band €30.31 – €101.05 · the €57.45 price screens below the €60.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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SEB SA designs, manufactures, and markets small domestic equipment in Western Europe, rest of Europe, the Middle East, Africa, North and South America, China, and rest of Asia. It operates through Consumer Business and Professional Business segments.
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The company provides flagship products, such as cookeo, rice cooker IH spherical, optiGrill, garment steamer, thermal-spot titanium pro fumeless wok, and crep maker billig products.
It also offers electrical cooking, food preparation, and beverage preparation products, such as deep fryers, rice and pressure cookers, informal meal appliances, waffle makers, grills, toasters, multicookers, filter and pod coffee makers, espresso machines, kettles, home beer-taps, soymilk makers, blenders, cooking food processors, kitchen and juice machines, mixers, beaters, countertop ovens, and induction hobs.
In addition, the company provides linen, home and personal care products that include irons and steam generators, garment steamers, canister vacuum cleaners with or without dust bag, steam and upright vacuum cleaners, vacuum weepers, fans, heaters, air treatment and hair care appliances, depilators, and bathroom scales.
Further, it offers frying pans, saucepans pots, bakeware, food storage containers, carafes, flasks, thermo mugs, cutlery, and kitchen utensils. Additionally, the company designs, produces, and markets crepe and waffle makers, planchas, and grills for professionals and consumers.
It sells its products under the Arno, Asia Vina, Calor, Clock, DASH, EMSA, imusa, Kaiser, Krupus, Maharaj Whiteline, MIRRO, Moulinex, OBH NORDICA, PANEX, PEBBLY, Rochedo, Rowenta, Samurai, Seb, SUPOR, Tefal T-fal, umco, WearEver, 32 DUMAS, All-Clad, de Buyer, Krampouz, LACANCHE, Lagostina, Open'Cook, SABATIER, Silit, WMF, and Forge Adour, Air'T, Ambassade de Bourgogne, Charvet, HEPP, La San Marco, Pacojet, Scaritech, Schaerer, Wilbur Curtis, and Zummo brands.
SEB SA was founded in 1857 and is headquartered in Ecully, France.
Stock analysis
SEB SA (SK) currently trades at €57.45, while our model-based Fair Value estimate is €60.86, so the stock looks roughly fairly valued today (gap 5.6%).
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Valuation
Bull case: the Multiples group reads highest at a median of €98.06 per share, and 13 of the 22 models we run sit above the €57.45 price.
Bear case: the Growth DCF group reads lowest at €7.11, and 9 of the 22 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €30.31 (bear) to €101.05 (bull), the price of €57.45 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 48/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
SEB SA reported revenue of €8.2B in FY2025 versus €8.1B in FY2021, a compound +0.3%/yr. Reported net income was €245M in FY2025, compounding −14.3%/yr from FY2021.
Key figures
Market cap €3.2B Mid · P/E ratio 26.4 · P/S ratio 0.39 · EPS (TTM) €2.18 · Dividend yield 4.9% · Net margin 1.5% · Return on equity 4.9% · Return on assets (EBIT) 6.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 31 out of 100 (low confidence).
What moves the price
The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.
The share trades about 6% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −24% fair-value upside, at 6%, SK screens cheaper than that median.
Fair Value models
Bear€30.31Fair Value €60.86Bull€101.05
Price €57.45 · Upside +5.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.39/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.3%
Start year 2020 (pandemic). Over 10 years: +5.5% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−3.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.4%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8.4% vs 1.7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 7%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+63.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +60.3% a year for the price and +0.8% for the forecasts.
AI conclusion: Limited signals indicate weak to moderate advantage, with the incoming CEO's long Mars experience as main strength and low cash conversion plus margins as main weak point.
Main risk: Persistent raw-material energy and labor inflation together with soft consumer demand could pressure margins and constrain sales volumes in the furnishings sector.
Groupe SEB brings in a new chief executive with more than thirty years at Mars, most recently leading its global petcare business. The Rebound plan remains the unchanged roadmap after the first-half operating recovery. Will the incoming leadership extend those internal gains into broader and lasting improvement, or will external market conditions cap the progress?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Furnishings, Fixtures & Appliances · 297 stocks
P/B0.98× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "SEB SA Fair Value". https://www.fairvalue-calculator.com/stock/SK
Frequently asked questions
Is SEB SA (SK) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of €60.86 versus a price of €57.45, about +6% upside (fairly valued).
What is the fair value of SK?
Our model-based fair value for SEB SA is €60.86 (as of Nov 8, 2026), built from audited fundamentals. The current price: €57.45.
What is the quality score of SK?
SEB SA has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for SEB SA (SK)?
Our model-based price target is the fair value of €60.86 (as of Nov 8, 2026) from 22 valuation models. Cautious scenario €30.31, optimistic scenario €101.05. It is a calculation from audited fundamentals, not an analyst target.
What is the SEB SA stock forecast for 2026?
Our models put fair value at €60.86, about +6% upside versus a price of €57.45 (fairly valued). Cautious scenario €30.31, optimistic scenario €101.05. The calculation is refreshed regularly with new filings.
What is the revenue of SEB SA (SK)?
SEB SA reported trailing-twelve-month revenue of about €8.2B (latest available figure, as of Nov 8, 2026).
Does SEB SA pay a dividend?
SEB SA currently shows a dividend yield of 4.87% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of SEB SA (SK) and when is the ex-dividend date?
SEB SA pays a dividend of €2.80 per share a year, a dividend yield of 4.9%. The last ex-dividend date was May 20, 2026. A dividend has been paid every year since at least 1990. The payout ratio is 128% of earnings. Free cash flow covers the dividend 0.15 times. Our assessment: Pays more than it earns. The company pays out more in dividends than it earns, and free cash flow clearly does not cover the dividend either. It may need to be cut unless profits recover.
What growth is priced into SEB SA (SK)?
For today's price to be fair in a discounted-cash-flow model, SEB SA would have to grow free cash flow by +63.8 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +3.3 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of SK use?
Our models discount SEB SA at 10.9 %: a base by market capitalisation (mid), damped by beta 1.23, country premium for France. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For SEB SA that is +63.8 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has SEB SA (SK) delivered so far?
Over the past 5 years revenue at SEB SA grew +3.3 % a year. The price currently implies free-cash-flow growth of +63.8 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of SEB SA (SK) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into SEB SA (+63.8 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of SEB SA (SK)?
The free-cash-flow yield on the price is 0.71 %: that much free cash flow SEB SA produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of SEB SA (SK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SEB SA it is €60.86 per share (as of Nov 8, 2026), against a price of €57.45. It is the blended result of 22 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings).
Is SEB SA stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SK trades below its calculated fair value: price €57.45, fair value €60.86, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SK?
No. The price is what the market pays today (€57.45); the fair value is what the company's own numbers justify (€60.86). For SEB SA the two are €3.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is SEB SA worth?
The market values SEB SA at about €3.2B (market capitalisation, as of Nov 8, 2026). Per share that is €57.45; our models calculate a fair value of €60.86 per share.
What do the bullish and bearish scenarios say about SK?
Our models span a range for SEB SA: cautious scenario €30.31, base €60.86, optimistic €101.05 per share (as of Nov 8, 2026, price €57.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SK?
SEB SA trades at a price-to-earnings ratio of 26.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €60.86 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings, FY2025 ex one-offs: 16.2. Other multiples: PEG 2.1, P/B 1.0, P/S 0.4, EV/EBITDA 5.4.
What is the PEG ratio of SK?
The PEG ratio of SEB SA is 2.12 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of SEB SA (SK)?
Balance-sheet figures for SEB SA (as of Nov 8, 2026): return on equity 4.9%, debt of 0.57 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is SK from its 52-week high?
SEB SA trades at €57.45, about 6% below its 52-week high of €60.95 and 46% above the low of €39.36 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €60.86 is for.
Which stocks are comparable to SEB SA?
From the same area (Consumer Cyclical) we also value Midea Group, Gree Electric Appliances, Inc, SharkNinja, Inc, Haier Smart Home Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is SEB SA stock attractive at the current price?
The data as of Nov 8, 2026: price €57.45, calculated fair value €60.86 (+6%), Quality Score 48/100, from 22 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SK calculated?
We run SEB SA through 22 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €60.86 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. SEB SA currently trades 6% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of SEB SA (SK)?
The closing price on Nov 6, 2026 was €57.45. Our model-based fair value is €60.86, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SEB SA right now?
The model range is unusually wide (€30.31 to €101.05). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Where does the earnings growth of SEB SA (SK) come from?
Earnings per share at SEB SA grew +3.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin −1.6 %, tax rate −0.5 %, residual (interest, one-offs) −0.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SEB SA
How large is the market capitalisation of SEB SA (SK)?
The market capitalisation of SEB SA is €3.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of SEB SA (SK)?
The price-to-sales ratio of SEB SA is 0.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of SEB SA (SK)?
Earnings per share at SEB SA are €2.18 (price ÷ EPS = P/E 26.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SEB SA (SK)?
The dividend yield of SEB SA is 4.9% (payout 128%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of SEB SA (SK)?
The net margin of SEB SA is 1.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of SEB SA (SK)?
The return on equity (ROE) of SEB SA is 4.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of SEB SA (SK)?
On an EBIT basis the return on assets of SEB SA is 6.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of SEB SA (SK)?
The operating margin of SEB SA is 4.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SEB SA (SK)?
Revenue at SEB SA is growing −0.1% versus a year earlier (3y avg +0.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at SEB SA (SK)?
Earnings per share at SEB SA are growing +239% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does SEB SA (SK) carry?
The net debt of SEB SA is €2.5B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026