Skandinaviska Enskilda Banken AB (MIL:1SEBA) Moat Score: 6/10 (As of Jul. 05, 2026)


MIL:1SEBA Skandinaviska Enskilda Banken AB MIL:1SEBA
69 GF Score
Price €17.60
GF Value €13.57
! 8 Warning Signs
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What is Skandinaviska Enskilda Banken AB Moat Score?

Skandinaviska Enskilda Banken AB MIL:1SEBA 69 Moat Score is 6 as of Jul. 05, 2026. GuruFocus rates MIL:1SEBA with a GF Score™ of 69/100 and a GF Value™ of €13.57. The stock has 8 warning signs investors should review. Among 1,612 Banks companies, Skandinaviska Enskilda Banken AB ranks better than 97.83% on this metric.

Skandinaviska Enskilda Banken AB has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Skandinaviska Enskilda Banken AB has Narrow Moat: Skandinaviska Enskilda Banken AB benefits from strong brand recognition and customer loyalty in the Nordic region. It has durable cost advantages through economies of scale and regulatory barriers in banking, but lacks global dominance to warrant a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Skandinaviska Enskilda Banken AB might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Skandinaviska Enskilda Banken AB  (MIL:1SEBA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Skandinaviska Enskilda Banken AB Moat Score Related Terms

MIL:1SEBA vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Skandinaviska Enskilda Banken AB's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Skandinaviska Enskilda Banken AB Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Skandinaviska Enskilda Banken AB's Moat Score distribution charts can be found below:

* The bar in red indicates where Skandinaviska Enskilda Banken AB's Moat Score falls into.


MIL:1SEBA
69GF Score
Skandinaviska Enskilda Banken AB MIL:1SEBA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Skandinaviska Enskilda Banken AB (MIL:1SEBA) has a Moat Score of 6 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Skandinaviska Enskilda Banken AB ranks #35 out of 1612 companies in the Banks industry, placing it in the top 2.2%.
Is Skandinaviska Enskilda Banken AB's Moat Score too high?
Skandinaviska Enskilda Banken AB's current Moat Score is 6. Based on the distribution chart, Skandinaviska Enskilda Banken AB ranks #35 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Skandinaviska Enskilda Banken AB has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Skandinaviska Enskilda Banken AB's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Skandinaviska Enskilda Banken AB ranks #35 out of 1612 companies for Moat Score. This places Skandinaviska Enskilda Banken AB in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Skandinaviska Enskilda Banken AB's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Skandinaviska Enskilda Banken AB stock overvalued right now?
Skandinaviska Enskilda Banken AB (MIL:1SEBA) has a current Moat Score of 6. The stock's GF Value™ is €13.57, compared to a current price of €17.60 — trading 29.7% above its estimated fair value. The current Moat Score is 6. Skandinaviska Enskilda Banken AB's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Skandinaviska Enskilda Banken AB (MIL:1SEBA), the current Moat Score is 6 as of Jul. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Skandinaviska Enskilda Banken AB (MIL:1SEBA) Overvalued in 2026?

Based on GuruFocus' analysis, Skandinaviska Enskilda Banken AB stock appears to be overvalued. The current stock price of €17.60 is trading 29.7% above its estimated GF Value™ of €13.57.

Key valuation signals for MIL:1SEBA:

  • Moat Score: 6
  • GF Value™: €13.57 vs. price of €17.60 (29.7% above fair value)
  • GF Score™: 69/100 with 8 warning signs

No single metric tells the full story. See the MIL:1SEBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Skandinaviska Enskilda Banken AB Business Description

Address Kungstradgardsgatan 8, Stockholm, SWE, SE-106 40
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 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 private banking services to its clients.
69GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€17.60
Price
€13.57
GF Value