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Skandinaviska Enskilda Banken AB (publ) (SEB-C) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Skandinaviska Enskilda Banken AB (publ) SEK 181, price SEK 235, upside -23.1%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Financial Services · SE · ISIN SE0000120784

SE Broad data Sep 30, 2026

Skandinaviska Enskilda Banken AB (publ)

SEB-C · ST

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value kr 180.62 · Overvalued (−23.1%)

✓Quality 60/100

!Mixed Growth (revenue 5y +9.1 %/yr)

✓Highly profitable · 41.8% net margin (TTM)

!High debt · generates free cash flow

✓3.6% dividend yield · Well covered

!Trails peers (5/15)

✓Wide moat 70/100

!Weak on valuation: 3 out of 100

!Weak on future: 12 out of 100

26 models, one by oneBear kr 135.46 to bull kr 225.77 Growth analysisrevenue history, year by year Quality 60/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 30, 2026.

How to read this chart

60‑month range kr 76.00 – kr 238.00 · fair‑value band kr 135.46 – kr 225.77 · the kr 235.00 price screens above the kr 180.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 30, 2026.

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Company profile

Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Corporate & Investment Banking, Business & Retail Banking, Wealth & Asset Management, and Baltic segments. The company offers core banking products comprising loans, leasing, cards, and payment-related products; life insurance and pension solutions; capital market products consisting of trading and issues on financial markets; fund management; treasury services; structured financing solutions for commercial real estate, infrastructure projects, and shipping; investment banking services, including advisory, execution, and financing solutions for mergers and acquisitions, equities, leveraged finance, and debt capital markets; execution, advisory, and research for fixed income, currencies, and commodities; trade finance and asset solutions; and post-trade services, including sub-custody and global custody services. It also provides cash management products, including liquidity and integration services; venture capital; investor services; markets and trading services, such as equities, fixed income, commodities, foreign exchange, trading, sustainable financial products, prime brokerage, and derivatives clearing; trade and supply chain financing, including trade and export finance, and receivables and supply chain finance; private wealth management services; as well as invests in funds, equities, fixed income, commodities, and private equity. The company serves large corporates, financial institutions, private individuals, and small and medium-sized companies. It operates in Sweden, Denmark, Finland, Norway, Estonia, Latvia, Lithuania, Germany, the United Kingdom, Austria, the Netherlands, Switzerland, China, Hong Kong, Ireland, Luxembourg, Poland, Singapore, the United States, Ukraine, Russia, and internationally. Skandinaviska Enskilda Banken AB (publ) was founded in 1856 and is headquartered in Stockholm, Sweden.

Stock analysis

Skandinaviska Enskilda Banken AB (publ) (SEB-C) currently trades at kr 235.00, while our model-based Fair Value estimate is kr 180.62, 23.1% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of kr 162.81 per share, and 0 of the 4 models we run sit above the kr 235.00 price.

Bear case: the Asset-Based group reads lowest at kr 77.92, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: kr 135.46 (bear) to kr 225.77 (bull), the price of kr 235.00 sits above 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 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Skandinaviska Enskilda Banken AB (publ) reported revenue of 76.9B SEK in FY2025 versus 54.6B SEK in FY2021, a compound +8.9%/yr. Reported net income was 31.1B SEK in FY2025, compounding +5.1%/yr from FY2021.

Key figures

Market cap 465B SEK (≈ $46.3B) · P/E ratio 13.9 · P/S ratio 5.60 · EPS (TTM) kr 15.67 · Dividend yield 3.6% · Net margin 40.4% · Return on equity 14.1% · Return on assets (EBIT) 1.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).

What moves the price

The share trades about 1% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −23%, SEB-C screens cheaper than that median.

Fair Value models

Bear kr 135.46 Fair Value kr 180.62 Bull kr 225.77

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (kr 5.42 per share) are deliberately not added. 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. Evidence ⓘEvidence = 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.

Highest evidence

Residual Income kr 112.30 kr 134.54 kr 179.77 76

P/E Multiple kr 152.96 kr 203.95 kr 254.94 63

P/B Multiple kr 122.11 kr 162.81 kr 203.52 55

All 4 models by family

Multiples

P/E Multiple kr 152.96 kr 203.95 kr 254.94 63

P/B Multiple kr 122.11 kr 162.81 kr 203.52 55

Asset-Based

NCAV (Graham) kr 58.15 kr 77.92 kr 116.29 54

Economic Profit

Residual Income kr 112.30 kr 134.54 kr 179.77 76

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Quality Score breakdown

Overall quality 60/100

Of which business quality 58 · Market factors (momentum, volatility) 82

Profitability 36

Margins and returns on capital today

Quality Growth 30

Are margins and returns improving?

Cashflow 85

Earnings quality: real cash, not paper profit

Fin. Strength 27

Balance sheet, leverage, solvency risk

Investment 91

Disciplined investing over empire-building

Low Volatility 95

Calm price path (market factor)

Momentum 71

Price trend over the last 3–12 months (market factor)

52W Momentum 84

Distance to the 52-week high (market factor)

Net Issuance 99

Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

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. 75/100

Revenue is growing, but margins or cash flow do not fully confirm the trend.

Revenue growth 1 year

−5.7%

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.

+6.0%

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.

+9.1%

Start year 2020 (pandemic)

Revenue growth 23 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.

+4.6%

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’21

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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.

+14.3%

Earnings growth per share plus dividend.

Earnings per share, growth per year+10.7%

Dividend (yield on the price)3.6%

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.10.7% vs 7.4%, picking up

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.40% → 51%

Start year 2020 (pandemic)

Growth Forecast

A lot of optimism in the price

The price assumes about as much growth as 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).

+7.3%

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.

+3.6%

Yearly sales growth analysts expect, extended to five years.

After inflation (Sweden: IMF forecast 2.0% a year to 2030, 2.9% from 2016 to 2025) that is about +5.2% a year for the price and +1.6% for the forecasts.

Forecast 2026 (sales)+2.3%

Forecast 2027 (sales)+4.4%

Projected 2028 (sales)+4.1%

Projected 2029 (sales)+3.8%

Projected 2030 (sales)+3.5%

SEB-C screens overvalued: fair value 23% below the price. Compare with DBS Group →

Compare Skandinaviska Enskilda Banken AB (publ) with another stock

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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.Banks - Regional · 1053 stocks

Beats the industry median on 5/15 measures

Overall it trails its industry peers.

Valuation

Quality Score 64 · Top 25%

Fair Value upside −23.1% · Below median

Profitability

Return on equity (TTM) 14.1% · Top 25%

Return on assets 0.7% · Below median

Net margin (TTM) 41.8% · Top 25%

Operating margin (TTM) 54.7% · Top 25%

Growth and dividend

Revenue growth 2.3% · Below median

Dividend yield (TTM) 3.6% · Above median

Balance sheet

Debt / equity 2.05× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 13.9× · Pricier than median

P/B 2.02× · Priciest 25%

P/S (TTM) 6.24× · Priciest 25%

P/FCF 14.6× · Pricier than median

EV/EBITDA 15.4× · Priciest 25%

PEG 2.25× · Pricier than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)3 · sector 12

FUTURE (revenue growth)12 · sector 47

PAST (return on equity)56 · sector 41

HEALTH (low debt)0 · sector 84

DIVIDEND (yield)72 · sector 52

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value
DBS Group D05	78.00 SGD	40.39 SGD	−48%
China Merchants Bank Co 600036	¥40.69	¥52.73	+30%
UniCredit S.p.A UCG	€79.53	€77.12	−3%
Mizuho Financial Group MFG	$11.05	$6.82	−38%
Intesa Sanpaolo S.p.A ISP	€6.38	€4.06	−36%
BNP Paribas SA BNP	€91.54	€105.99	+16%
HDFC Bank Limited HDFCBANK	₹721.20	₹406.44	−44%
Oversea-Chinese Banking Corporation O39	32.01 SGD	19.78 SGD	−38%
Al Rajhi Banking and Investment Corporation 1120	63.15 SAR	36.95 SAR	−41%
CaixaBank, S.A CABK	€12.03	€8.46	−30%

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Skandinaviska Enskilda Banken AB (publ) · Fair Value
kr 180.62 −23%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/SEB-C" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Skandinaviska Enskilda Banken AB (publ) · Fair Value</span><br><b style="font-size:20px">kr 180.62</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−23%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Skandinaviska Enskilda Banken AB (publ) Fair Value". https://www.fairvalue-calculator.com/stock/SEB-C

Frequently asked questions

Is Skandinaviska Enskilda Banken AB (publ) (SEB-C) overvalued or undervalued?

As of Sep 30, 2026, our model estimates a fair value of kr 180.62 versus a price of kr 235.00, about −23% upside (overvalued).

What is the fair value of SEB-C?

Our model-based fair value for Skandinaviska Enskilda Banken AB (publ) is kr 180.62 (as of Sep 30, 2026), built from audited fundamentals. The current price: kr 235.00.

What is the quality score of SEB-C?

Skandinaviska Enskilda Banken AB (publ) has a Quality Score of 60/100. 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Our model-based price target is the fair value of kr 180.62 (as of Sep 30, 2026) from 4 valuation models. Cautious scenario kr 135.46, optimistic scenario kr 225.77. It is a calculation from audited fundamentals, not an analyst target.

What is the Skandinaviska Enskilda Banken AB (publ) stock forecast for 2026?

Our models put fair value at kr 180.62, about −23% upside versus a price of kr 235.00 (overvalued). Cautious scenario kr 135.46, optimistic scenario kr 225.77. The calculation is refreshed regularly with new filings.

What is the revenue of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Skandinaviska Enskilda Banken AB (publ) reported trailing-twelve-month revenue of about 74.5B SEK (latest available figure, as of Sep 30, 2026).

Does Skandinaviska Enskilda Banken AB (publ) pay a dividend?

Skandinaviska Enskilda Banken AB (publ) currently shows a dividend yield of about 3.62% relative to its recent price (as of Sep 30, 2026).

What growth is priced into Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

For today's price to be fair in a discounted-cash-flow model, Skandinaviska Enskilda Banken AB (publ) would have to grow free cash flow by +7.3 % per year for five years (discount rate 7.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.1 % per year. As of Sep 30, 2026.

What discount rate (WACC) does the fair value of SEB-C use?

Our models discount Skandinaviska Enskilda Banken AB (publ) at 7.9 %: a base by market capitalisation (large), damped by beta 0.42, country premium for Sweden. 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 Skandinaviska Enskilda Banken AB (publ) that is +7.3 % per year a year over ten years, using the same discount rate (7.9 %) and the same formula as our fair value.

How much growth has Skandinaviska Enskilda Banken AB (publ) (SEB-C) delivered so far?

Over the past 5 years revenue at Skandinaviska Enskilda Banken AB (publ) grew +9.1 % a year. The price currently implies +7.3 % per year free-cash-flow growth a 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C) growing?

The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Skandinaviska Enskilda Banken AB (publ) (+7.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.

What is the free cash flow yield of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The free-cash-flow yield on the price is 6.85 %: that much free cash flow Skandinaviska Enskilda Banken AB (publ) produces per unit of market value. When it exceeds the discount rate of our models (7.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Skandinaviska Enskilda Banken AB (publ) it is kr 180.62 per share (as of Sep 30, 2026), against a price of kr 235.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).

Is Skandinaviska Enskilda Banken AB (publ) stock overvalued or undervalued in 2026?

As of Sep 30, 2026, SEB-C trades above its calculated fair value: price kr 235.00, fair value kr 180.62, a gap of about −23% (overvalued). 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 SEB-C?

No. The price is what the market pays today (kr 235.00); the fair value is what the company's own numbers justify (kr 180.62). For Skandinaviska Enskilda Banken AB (publ) the two are kr 54.38 per share apart. That gap is exactly why we show both numbers side by side.

How much is Skandinaviska Enskilda Banken AB (publ) worth?

The market values Skandinaviska Enskilda Banken AB (publ) at about 465B SEK (market capitalisation, as of Sep 30, 2026). Per share that is kr 235.00; our models calculate a fair value of kr 180.62 per share.

What do the bullish and bearish scenarios say about SEB-C?

Our models span a range for Skandinaviska Enskilda Banken AB (publ): cautious scenario kr 135.46, base kr 180.62, optimistic kr 225.77 per share (as of Sep 30, 2026, price kr 235.00). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of SEB-C?

Skandinaviska Enskilda Banken AB (publ) trades at a price-to-earnings ratio of 13.9 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of kr 180.62 is built from several models across several years. Other multiples: PEG 2.3, P/B 2.0, P/S 6.2, EV/EBITDA 15.4.

What is the PEG ratio of SEB-C?

The PEG ratio of Skandinaviska Enskilda Banken AB (publ) is 2.25 (P/E divided by earnings growth, as of Sep 30, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Balance-sheet figures for Skandinaviska Enskilda Banken AB (publ) (as of Sep 30, 2026): return on equity 14.1%, debt of 2.05 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.

How far is SEB-C from its 52-week high?

Skandinaviska Enskilda Banken AB (publ) trades at kr 235.00, about 1% below its 52-week high of kr 238.00 and 41% above the low of kr 166.77 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of kr 180.62 is for.

Which stocks are comparable to Skandinaviska Enskilda Banken AB (publ)?

From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 Skandinaviska Enskilda Banken AB (publ) stock attractive at the current price?

The data as of Sep 30, 2026: price kr 235.00, calculated fair value kr 180.62 (−23%), Quality Score 60/100, from 4 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 SEB-C calculated?

We run Skandinaviska Enskilda Banken AB (publ) through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 180.62, 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 14.5 % above its aggregate fair value. Skandinaviska Enskilda Banken AB (publ) itself currently trades above fair value. 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The closing price on Oct 2, 2026 was kr 235.00. Our model-based fair value is kr 180.62, about −23% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Skandinaviska Enskilda Banken AB (publ) right now?

The price sits above even our optimistic bull case (kr 225.77). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Skandinaviska Enskilda Banken AB (publ)

How large is the market capitalisation of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The market capitalisation of Skandinaviska Enskilda Banken AB (publ) is 465B SEK (≈ $46.3B). 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The price-to-sales ratio of Skandinaviska Enskilda Banken AB (publ) is 5.60 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Earnings per share at Skandinaviska Enskilda Banken AB (publ) are kr 15.67 (price ÷ EPS = P/E 13.9). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The dividend yield of Skandinaviska Enskilda Banken AB (publ) is 3.6% (payout 54.2%). 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The net margin of Skandinaviska Enskilda Banken AB (publ) is 40.4% (fiscal year 2025). 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The return on equity (ROE) of Skandinaviska Enskilda Banken AB (publ) is 14.1% (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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

On an EBIT basis the return on assets of Skandinaviska Enskilda Banken AB (publ) is 1.1% (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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

The operating margin of Skandinaviska Enskilda Banken AB (publ) is 54.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Revenue at Skandinaviska Enskilda Banken AB (publ) is growing +2.3% versus a year earlier (3y avg +6.0%). 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 Skandinaviska Enskilda Banken AB (publ) (SEB-C)?

Earnings per share at Skandinaviska Enskilda Banken AB (publ) are growing +7.6% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does Skandinaviska Enskilda Banken AB (publ) (SEB-C) carry?

The net debt of Skandinaviska Enskilda Banken AB (publ) is 544B SEK (fiscal year 2025, ≈ 17.1 yrs of FCF). 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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