ScoreWhy is Skandinaviska Enskilda Banken AB ?
1
Strong Long Term Fundamental Strength with a 14.60% CAGR growth in Net Profits
2
Negative results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at SEK 34.72 MM
- NET SALES(Q) Lowest at SEK 26,859 MM
- NII(Q) Lowest at SEK 10,067 MM
3
With ROA of 0.86%, it has a fair valuation with a 1.71 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.55%, its profits have fallen by -6%
4
Majority shareholders : Non Institution
5
Underperformed the market in the last 1 year
- Even though the market (OMX Stockholm 30) has generated returns of 10.97% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -0.55% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Skandinaviska Enskilda Banken AB should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Skandinaviska Enskilda Banken AB for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Skandinaviska Enskilda Banken AB
-0.55%
73.50
22.67%
OMX Stockholm 30
10.97%
0.59
18.59%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.50%
EBIT Growth (5y)
15.58%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
54.48%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.71
EV to EBIT
19.81
EV to EBITDA
18.87
EV to Capital Employed
1.22
EV to Sales
5.77
PEG Ratio
NA
Dividend Yield
6.30%
ROCE (Latest)
6.14%
ROE (Latest)
16.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 138.75%
OPERATING PROFIT MARGIN(Q)
Highest at 35.91 %
-14What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SEK 34.72 MM
NET SALES(Q)
Lowest at SEK 26,859 MM
NII(Q)
Lowest at SEK 10,067 MM
CASH AND EQV(HY)
Lowest at SEK 616,000 MM
PRE-TAX PROFIT(Q)
Lowest at SEK 9,242 MM
Here's what is working for Skandinaviska Enskilda Banken AB
Operating Profit Margin
Highest at 35.91 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 138.75%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Skandinaviska Enskilda Banken AB
Operating Cash Flow
Lowest at SEK 34.72 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SEK MM)
Net Sales
Lowest at SEK 26,859 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (SEK MM)
NII
Lowest at SEK 10,067 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (SEK MM)
Net Sales
At SEK 26,859 MM has Fallen at -13.61%
over average net sales of the previous four periods of SEK 31,091.25 MMMOJO Watch
Near term sales trend is negative
Net Sales (SEK MM)
Pre-Tax Profit
Lowest at SEK 9,242 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (SEK MM)
Cash and Eqv
Lowest at SEK 616,000 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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