Skandinaviska Enskilda Banken SEB-A.ST
Skandinaviska Enskilda Banken (SEB) is a Swedish bank offering retail, corporate, and institutional banking, wealth management, and investment services, with a focus on the Nordic countries and Germany. SEB shows solid profitability (ROE 14.08%) and a very wide competitive moat (operating margin 54.66%), although its valuation (P/E 15.12) and growth (revenue +2.30%) are moderate, which is reflected in balanced scores.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Skandinaviska Enskilda Banken (SEB) is a Swedish bank offering retail, corporate, and institutional banking, wealth management, and investment services, with a focus on the Nordic countries and Germany. SEB shows solid profitability (ROE 14.08%) and a very wide competitive moat (operating margin 54.66%), although its valuation (P/E 15.12) and growth (revenue +2.30%) are moderate, which is reflected in balanced scores.
Score by category
| Category | Score |
|---|---|
| Financial health | 5.0 |
| Quality / Moat | 9.7 |
| Valuation | 4.5 |
| Growth | 5.4 |
| Dividend | 7.3 |
| Momentum | 6.6 |
| Risk & Context | 8.8 |
OVERALL SCORE: 6.8/10
Context and risks
The macro context (rising US rates, oil, geopolitics) does not materially affect SEB's business, a Swedish bank focused on the Nordics and Germany. Its rate exposure is via net interest margin, which benefits from a higher rate environment, but the ECB is hiking and the Fed cutting, a mixed effect that does not justify a specific adjustment.
News considered in the analysis
- Analysts Examine Latest USA Measures Against Iran — Noticia geopolítica genérica sin impacto directo en el negocio de SEB.
- Digital Payment Today - Argentina's Social Commerce Surge: Unlocking New Market Opportunities — Artículo sobre comercio social en Argentina, sin relación con la actividad de SEB en los nórdicos y Alemania.
- 3 European Dividend Stocks To Enhance Your Portfolio — Listículo genérico sin información específica nueva sobre SEB.
- A Look At Skandinaviska Enskilda Banken (OM:SEB A) Valuation After Recent Share Price Weakness — Análisis de valoración de Simply Wall St., sin información nueva que no esté ya en el precio.
- Skandinaviska Enskilda Banken AB (SVKEF) Q1 2026 Earnings Call Highlights: Navigating Market ... — Resumen de la llamada de resultados del Q1 2026; los datos ya son públicos y están reflejados en las notas cuantitativas.
Verdict: Hold; business quality is high, but valuation does not offer a sufficient margin of safety to recommend buying.
Main risk: The main risk is exposure to a European interest rate environment that, although the ECB is raising rates, could compress credit demand and affect revenue growth in a mature Nordic market.
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