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Skandinaviska Enskilda Banken AB (publ) (SEB-A.ST)

SEK200.80 +0.95 (+0.48%)
SE STO Financial Services Banks - Regional
Address Kungsträdgårdsgatan 8 106 40
Stockholm, SE
CEO Johan Torgeby
IPO 2000-01-03
ISIN SE0000148884

Explore sections of this company profile

Also trades on Frankfurt Stock Exchange · SEBC.F (EUR) Other OTC · SVKEF (USD) Stockholm Stock Exchange · SEB-A.ST (SEK)
Description

Skandinaviska Enskilda Banken AB (publ), or SEB, is a comprehensive financial services group offering corporate, retail, investment, and private banking solutions to a diverse client base. The organization operates through distinct divisions: Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management. SEB delivers a broad spectrum of specialized services, including in-depth research and strategic insights, alongside advisory, execution, and trading capabilities across foreign exchange, fixed income, equities, and commodity markets. Its transaction services encompass cash management, trade and supply chain finance, and various business services. The bank also provides investor services and robust investment banking expertise, which includes corporate finance advisory for mergers, acquisitions, and divestitures; equity capital market services for initial public offerings, rights issues, and placements; and debt transaction services covering bonds, corporate acquisition funding, and general refinancing. Specialized financial solutions, such as leveraged, structured, real estate, and shipping finance, are also part of its extensive portfolio. The bank actively engages in venture capital, supporting entrepreneurs and innovators. Through its asset management arm, it offers a variety of products, including equities, fixed income securities, hedge funds, commodities, and private equity solutions. Additionally, SEB provides a comprehensive range of insurance products, such as pensions, life, health, and disability coverage. Serving large corporations, financial institutions, private individuals, and small to medium-sized businesses, SEB reaches its clientele through 156 branch offices. Its international presence spans its home country of Sweden, as well as Norway, Denmark, Finland, Estonia, Latvia, Lithuania, Germany, the United Kingdom, the United States, Ireland, Luxembourg, China, Singapore, Russia, Poland, Hong Kong, and Ukraine, demonstrating a significant global footprint. Established in 1856, the bank maintains its headquarters in Stockholm, Sweden.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SEK200.80 +0.95 (+0.48%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
0.41
Float Shares
1.47B
Free Float %
75.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.27% -2.45% -1.38% -6.28% -4.15% -9.57% +12.61% +57.64% +66.98% +141.89% +301.08%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
200.80
DCF (Unlevered) 1,315.75 +555.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 12% Bullish
Rating 2026-05 Change
Strong Buy 0 -1
Buy 2 0
Hold 12 0
Sell 0 0
Strong Sell 3 0
Quality scores
Altman Z-Score
-0.30
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    -17.9% Q1'26: -14.0% (vs Q1'25)
  • EPS growth
    -11.0% Q1'26: -1.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +26.9% (vs Q1'25)
  • ROIC
    Q1'26: +4.2% (vs Q1'25)
  • Share dilution
    -2.7% Q1'26: -2.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 23.95× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 30% × Ke + 70% × Kd (9.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,315.51 Current price: 200.80
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
14 Rev. Ana.
10 EPS Ana.
Dec 2027
15 Rev. Ana.
11 EPS Ana.
Dec 2028
14 Rev. Ana.
12 EPS Ana.
Dec 2029
9 Rev. Ana.
10 EPS Ana.
Revenue
62.79B
est: 43.87B (+43.1%)
59.54B
est: 42.91B (+38.7%)
62.18B
est: 45.45B (+36.8%)
63.96B
est: 46.28B (+38.2%)
68.52B
est: 48.55B (+41.1%)
62.09B
est: 49.30B (+25.9%)
60.89B
est: 54.25B (+12.2%)
87.17B
est: 62.55B (+39.4%)
167.83B
est: 81.35B (+106.3%)
185.76B
est: 81.60B (+127.6%)
152.48B
est: 77.55B (+96.6%)
77.24B
76.30B – 78.69B
-0.4% YoY
81.57B
80.03B – 83.81B
+5.6% YoY
84.75B
84.69B – 84.80B
+3.9% YoY
84.68B
83.35B – 86.64B
-0.1% YoY
EBITDA
21.83B
est: 16.25B (+34.3%)
15.63B
est: 15.90B (-1.7%)
21.59B
est: 16.84B (+28.2%)
28.02B
est: 17.15B (+63.4%)
26.60B
est: 17.99B (+47.8%)
21.66B
est: 18.27B (+18.6%)
32.77B
est: 20.10B (+63.0%)
35.63B
est: 23.18B (+53.7%)
49.93B
est: 28.88B (+72.9%)
48.21B
est: 28.97B (+66.4%)
41.37B
est: 27.53B (+50.3%)
27.42B
27.09B – 27.94B
-0.4% YoY
28.96B
28.41B – 29.75B
+5.6% YoY
30.09B
30.07B – 30.11B
+3.9% YoY
30.06B
29.59B – 30.76B
-0.1% YoY
EBIT
20.87B
est: 15.33B (+36.1%)
14.87B
est: 15.00B (-0.9%)
20.76B
est: 15.88B (+30.7%)
27.29B
est: 16.17B (+68.7%)
24.89B
est: 16.97B (+46.7%)
19.85B
est: 17.23B (+15.2%)
30.86B
est: 18.96B (+62.8%)
33.74B
est: 21.86B (+54.3%)
47.96B
est: 27.38B (+75.2%)
46.04B
est: 27.46B (+67.7%)
38.90B
est: 26.10B (+49.0%)
26.00B
25.68B – 26.48B
-0.4% YoY
27.45B
26.93B – 28.20B
+5.6% YoY
28.52B
28.50B – 28.54B
+3.9% YoY
28.50B
28.05B – 29.16B
-0.1% YoY
Net Income
16.58B
est: 15.57B (+6.5%)
10.62B
est: 9.78B (+8.6%)
16.20B
est: 16.05B (+0.9%)
23.13B
est: 21.77B (+6.3%)
20.18B
est: 18.38B (+9.8%)
15.75B
est: 14.62B (+7.7%)
25.42B
est: 23.80B (+6.8%)
26.88B
est: 25.67B (+4.7%)
38.12B
est: 37.87B (+0.6%)
35.87B
est: 35.57B (+0.8%)
31.06B
est: 31.81B (-2.3%)
31.87B
30.98B – 32.77B
+0.2% YoY
36.04B
34.06B – 38.02B
+13.1% YoY
39.21B
36.37B – 42.05B
+8.8% YoY
41.09B
40.25B – 42.32B
+4.8% YoY
SGA
1.14B
est: 533.33M (+113.0%)
976.00M
est: 521.74M (+87.1%)
1.14B
est: 552.61M (+106.8%)
1.02B
est: 562.65M (+80.8%)
1.08B
est: 590.29M (+82.1%)
966.00M
est: 599.37M (+61.2%)
956.00M
est: 659.57M (+44.9%)
1.23B
est: 760.53M (+61.2%)
1.41B
est: 735.88M (+92.1%)
1.31B
est: 738.18M (+77.2%)
est: 701.51M (-100.0%)
698.78M
690.19M – 711.83M
-0.4% YoY
737.91M
723.97M – 758.15M
+5.6% YoY
766.64M
766.17M – 767.12M
+3.9% YoY
766.04M
754.02M – 783.78M
-0.1% YoY
EPS
7.57
est: 7.52 (+0.6%)
4.88
est: 4.72 (+3.3%)
7.47
est: 7.75 (-3.7%)
10.69
est: 10.52 (+1.6%)
9.33
est: 8.88 (+5.1%)
7.28
est: 7.06 (+3.1%)
11.75
est: 11.50 (+2.2%)
12.63
est: 12.40 (+1.9%)
18.20
est: 18.28 (-0.4%)
17.51
est: 17.57 (-0.4%)
15.60
est: 15.72 (-0.7%)
15.84
15.38 – 16.27
+0.8% YoY
17.66
16.91 – 18.88
+11.5% YoY
18.99
18.06 – 20.88
+7.6% YoY
20.40
19.98 – 21.01
+7.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-11 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-08 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-07 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-06 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-05 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-05-04 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-04-30 B 3/5 3/5 4/5 3/5 1/5 3/5 2/5
2026-04-29 B- 3/5 3/5 4/5 3/5 1/5 2/5 2/5
2026-04-28 B- 3/5 3/5 4/5 3/5 1/5 2/5 2/5
2026-04-27 B 3/5 3/5 4/5 4/5 1/5 3/5 2/5
2026-04-24 B 3/5 3/5 4/5 4/5 1/5 3/5 2/5
2026-04-23 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-22 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-21 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-20 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-17 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-16 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5
2026-04-15 B+ 3/5 4/5 4/5 4/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-126.78B
OE per share TTM
-60.41
Owner's Yield
-36.23%
Maintenance CapEx ratio
110.77%
Maint CapEx / Avg PPE
5.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.05M
Shares Outstanding
1.95B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Johan Torgeby President, Chief Executive Officer & Director 21M male
Jonas Arthur Ahlstrom Chief Operating Officer, Deputy President & Chief Executive Officer 13M male
Cecilia Wolrath Ekenback Head of Group Compliance
Christoffer Malmer Chief Financial Officer male
Hans Ragnhall Secretary & Group General Counsel male
Hans Ragnhäll Secretary & Group General Counsel male
Henrik Magnusson Head of Group Technology & Group Chief Information Officer
John Abrahamson Head of Corporate Finance Unit male
Knut Jonas Martin Johansson Senior Advisor to the President & Chief Executive Officer male
Pawel Wyszynski Head of Investor Relations male
Petra Alund Head of Group Human Resources female
Petter Brunnberg Head of Media Relations & External Communication male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits