Skandinaviska Enskilda Banken is a Swedish universal bank with a strong focus on the corporate lending sector. The bank operates in the Nordics, the Baltics, Germany, and the United Kingdom but derives the majority of its operating profits from Sweden. SEB specializes in corporate lending, particularly to large corporations. Additionally, it serves large midcorporate and multinational companies, financial institutions, and about small and medium-size enterprises. It also serves about 4 million private customers in Sweden and the Baltics. The bank offers asset management, life insurance, and to a lesser extent private banking services to its clients.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.45
Equity-to-Asset	0.06
Debt-to-Equity	4.08
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.13	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	18.4
	3-Year EPS without NRI Growth Rate	33
	3-Year Book Growth Rate	10.4
	Future 3-5Y EPS without NRI Growth Rate	-5.1
	Future 3-5Y Total Revenue Growth Rate	-1.58

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	1.4
	Shareholder Yield %	-37.46

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	47.47
	FCF Margin %	-47.81
	ROE %	17.88
	ROA %	0.99
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.04
	Forward PE Ratio	9.85
	PE Ratio without NRI	8.02
	Shiller PE Ratio	12.51
	Price-to-Owner-Earnings	7.76
	PEG Ratio	0.84
	PS Ratio	3.82
	PB Ratio	1.36
	Price-to-Tangible-Book	1.4
	EV-to-Revenue	10.03
	EV-to-FCF	-20.74
	Price-to-Projected-FCF	6.14
	Price-to-Median-PS-Value	0.9
	Price-to-Peter-Lynch-Fair-Value	0.75
	Price-to-Graham-Number	0.71
	FCF Yield %	-12.38
	Forward Rate of Return (Yacktman) %	16.06

GF Value: kr132

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