-0.28%
3.24%
4.82%
-4.42%
6.45%
32.08%
65.58%
AI Spotlight on SEB
Company Description
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.
Market Data
| Last Price | 157.7 |
| Change Percentage | -0.28% |
| Open | 158.45 |
| Previous Close | 158.15 |
| Market Cap ( Millions) | 323752 |
| Volume | 1238990 |
| Year High | 167.1 |
| Year Low | 142.25 |
| M A 50 | 155.03 |
| M A 200 | 153.81 |
Financial Ratios
| FCF Yield | -88.54% |
| Dividend Yield | 7.29% |
| ROE | 16.84% |
| Debt / Equity | 524.45% |
| Net Debt / EBIDTA | 563.62% |
| Price To Book | 1.44 |
| Price Earnings Ratio | 8.77 |
| Price To FCF | -1.13 |
| Price To sales | 2.32 |
| EV / EBITDA | 9.42 |
News
- Jan -02 - Top Dividend Stocks To Consider In January 2025
- Dec -02 - 3 Reliable Dividend Stocks Yielding Up To 8.5%
- Oct -28 - BioGaia And 2 Other Swedish Dividend Stocks To Enhance Your Portfolio
- Oct -25 - Skandinaviska Enskilda Banken AB (SVKEF) Q3 2024 Earnings Call Highlights: Navigating Profit ...
- Oct -11 - 3 Swedish Dividend Stocks To Consider With Up To 5.9% Yield
- Sep -26 - 3 Swedish Dividend Stocks Yielding Up To 5.4%
- Sep -11 - 3 Swedish Dividend Stocks Yielding Up To 5.4%
- Aug -27 - Top 3 Swedish Dividend Stocks For August 2024
- Aug -12 - 3 Swedish Dividend Stocks Yielding Up To 9.5%
- Jul -25 - BioGaia And Two More Top Dividend Stocks On The Swedish Exchange
- Jul -10 - Three Swedish Dividend Stocks Offering Yields Up To 5.6%
- Jun -25 - BioGaia Leads Three Exceptional Swedish Dividend Stocks
- Jun -10 - 3 Swedish Dividend Stocks Offering Up To 5.5% Yield
- Jun -03 - FM Mattsson Leads Trio of Premier Swedish Dividend Stocks
- May -17 - FM Mattsson Leads Three Key Dividend Stocks In Sweden
- Mar -19 - Skandinaviska Enskilda Banken AB's Dividend Analysis
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Large Corporates and Financial Institutions
Expected Growth : 5.83 %
What the company do ?
Large Corporates and Financial Institutions from Skandinaviska Enskilda Banken AB (publ) refers to a segment that provides financial services and solutions to large corporations and financial institutions in Sweden and globally.
Why we expect these perspectives ?
Strong economic growth in the Nordic region, increasing demand for credit and investment products, and SEB's solid market position drive growth for Large Corporates and Financial Institutions. Additionally, the segment benefits from its diversified revenue streams, efficient cost management, and strategic investments in digitalization and sustainability.
Segment n°2 -> Corporate and Private Customers
Expected Growth : 5.83 %
What the company do ?
Corporate customers refer to businesses and institutions, while private customers are individuals, both served by Skandinaviska Enskilda Banken AB (publ) with tailored financial solutions.
Why we expect these perspectives ?
Skandinaviska Enskilda Banken AB (publ)'s 5.83% growth in Corporate and Private Customers is driven by strong lending growth, increased deposit volumes, and higher fees from transaction banking and asset management. Additionally, the bank's digital transformation and strategic partnerships have improved customer engagement and retention, contributing to the growth.
Segment n°3 -> Baltic
Expected Growth : 4.83 %
What the company do ?
The Baltic from Skandinaviska Enskilda Banken AB (publ) refers to the Baltic Dry Index, a shipping and trade indicator tracking dry bulk cargo rates in the Baltic Sea region.
Why we expect these perspectives ?
The 4.83% growth of Baltic from Skandinaviska Enskilda Banken AB (publ) is driven by increasing trade volumes, improved regional economic conditions, and a strong demand for dry bulk commodities. Additionally, investments in port infrastructure and a growing focus on sustainable shipping practices contribute to the segment's growth.
Segment n°4 -> Private Wealth Management and Family Office
Expected Growth : 6.4 %
What the company do ?
Private Wealth Management and Family Office from Skandinaviska Enskilda Banken AB (publ) provides tailored financial solutions and investment management to high net worth individuals and families.
Why we expect these perspectives ?
SEB's Private Wealth Management and Family Office segment growth of 6.4% is driven by increasing demand for wealth management services, strong investment performance, and strategic acquisitions. Additionally, SEB's strong brand reputation, long-term relationships with high net worth individuals, and tailored family office services contribute to the segment's growth.
Segment n°5 -> Life
Expected Growth : 4.77 %
What the company do ?
Life from Skandinaviska Enskilda Banken AB (publ) offers insurance products and services, including life insurance, pension, and savings solutions to individuals and corporate clients.
Why we expect these perspectives ?
Skandinaviska Enskilda Banken AB's 4.77% growth in Life segment is driven by increasing demand for pension and insurance products in Sweden and the Baltic region, coupled with the bank's strong distribution network and digitalization efforts. Additionally, the bank's focus on cost efficiency and effective risk management has contributed to its growth.
Segment n°6 -> Investment Management
Expected Growth : 7.9 %
What the company do ?
Skandinaviska Enskilda Banken AB (publ) provides investment management services, offering portfolio management, asset allocation, and risk management solutions to individuals, companies, and institutions.
Why we expect these perspectives ?
Skandinaviska Enskilda Banken AB's 7.9% growth in Investment Management is driven by increasing demand for sustainable investment products, expansion into new markets, and strategic partnerships. Additionally, the bank's digital transformation efforts, cost savings initiatives, and strong asset management capabilities have contributed to its growth.
Segment n°7 -> Group Functions
Expected Growth : 4.63 %
What the company do ?
Group Functions from Skandinaviska Enskilda Banken AB (publ) refers to the central units that support the bank's operations, including risk management, compliance, and finance.
Why we expect these perspectives ?
SEB's 4.63% growth is driven by strong corporate lending, increased transaction banking activities, and a robust wealth management business. Additionally, the bank's strategic focus on digitalization, cost efficiency, and risk management has contributed to its growth. Furthermore, SEB's diversified business model, with a strong presence in the Nordic region, has helped to mitigate risks and capitalize on growth opportunities.
Segment n°8 -> Eliminations
Expected Growth : 4.77 %
What the company do ?
Eliminations from Skandinaviska Enskilda Banken AB (publ) refer to the removal of inter-company transactions and balances between SEB Group companies to present a consolidated financial position.
Why we expect these perspectives ?
Skandinaviska Enskilda Banken AB's 4.77% growth is driven by strong loan growth, increased fee income, and cost discipline. The bank's focus on digitalization and investments in fintech have improved operational efficiency, while its diversified business model has mitigated risks. Additionally, a favorable interest rate environment and strong economic growth in the Nordic region have supported the bank's growth momentum.
Skandinaviska Enskilda Banken Ab (Publ) Products
| Product Range | What is it ? |
|---|---|
| Corporate & Private Banking | Provides a range of financial services to corporate and private clients, including cash management, trade finance, and investment products. |
| Life Insurance | Offers a range of life insurance products to individuals and companies, including term life, whole life, and pension insurance. |
| Investment Management | Provides investment management services to institutional clients, including portfolio management and investment advice. |
| Transaction Services | Offers a range of transaction services, including payment processing, card services, and account services. |
| Card Services | Provides card services, including credit cards, debit cards, and prepaid cards, to individuals and companies. |
| Asset Management | Offers a range of asset management services, including fund management and discretionary portfolio management. |
| Real Estate Finance | Provides real estate finance services, including property financing and property management. |
| Trade Finance | Offers trade finance services, including letter of credit, factoring, and forfaiting. |
Skandinaviska Enskilda Banken AB (publ)'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Skandinaviska Enskilda Banken AB (publ) is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the bank's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the bank's dependence on technology providers and other third-party vendors.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 86.83% |
| Debt Cost | 7.74% |
| Equity Weight | 13.17% |
| Equity Cost | 7.74% |
| WACC | 7.74% |
| Leverage | 659.48% |
Skandinaviska Enskilda Banken AB (publ) : Quality Control
Skandinaviska Enskilda Banken AB (publ) passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| DANSKE.CO | Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients. The company offers insurance and pension products, mortgage finance and real-estate brokerage services, asset management … |
| DBK.DE | Deutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and … |
| UCG.MI | UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services. It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance … |
| GLE.PA | Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally. It operates through three segments: Retail Banking in France, International Retail … |
| LLOY.L | Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Lloyds Banking
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SEB
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4
Danske Bank
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5
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6
