Skandinaviska Enskilda Banken AB/Skr SEB A
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Capital at risk
About Skandinaviska Enskilda Banken AB
Skandinaviska Enskilda Banken AB (SEB) is a Swedish financial services group headquartered in Stockholm, Sweden. The company operates primarily in the banking sector, offering a range of services including corporate banking, retail banking, wealth management, and life insurance. SEB serves both individual and corporate clients with a focus on the Nordic countries but also maintains a presence in Germany and the Baltic region. Founded in 1856, the bank has a long history and is known for its strong customer relationships and integrated, digital banking solutions. SEB's strategic positioning includes a commitment to sustainable finance and innovation in banking services.
- Ticker
- Skr SEB A
- Sector
- Finance
- Primary listing
- XSTO
- Employees
- 18,413
- Headquarters
- Stockholm, Sweden
- Website
- sebgroup.com
SEB A Metrics
BasicAdvanced
kr 406B
13.33
kr 15.66
0.44
kr 11.00
4.07%
Price and volume
Market cap
kr 406B
Beta
0.44
52-week high
kr 238.50
52-week low
kr 168.20
Average daily volume
3.3M
Dividend rate
kr 11.00
Financial strength
Dividend payout ratio (TTM)
74.40%
Profitability
Net profit margin (TTM)
41.56%
Operating margin (TTM)
52.91%
Effective tax rate (TTM)
19.44%
Revenue per employee (TTM)
kr 4,050,000
Management effectiveness
Return on assets (TTM)
0.73%
Return on equity (TTM)
13.54%
Valuation
Price to earnings (TTM)
13.331
Price to revenue (TTM)
5.481
Price to book
1.73
Price to tangible book (TTM)
1.73
Price to free cash flow (TTM)
-4.156
Free cash flow yield (TTM)
-24.06%
Free cash flow per share (TTM)
-50.216
Dividend yield (TTM)
5.27%
Forward dividend yield
4.07%
Growth
Revenue change (TTM)
-2.58%
Earnings per share change (TTM)
1.66%
3-year revenue growth (CAGR)
-1.53%
3-year earnings per share growth (CAGR)
-3.67%
10-year earnings per share growth (CAGR)
12.08%
3-year dividend per share growth (CAGR)
7.99%
10-year dividend per share growth (CAGR)
4.94%
What the Analysts think about SEB A
Analyst ratings (Buy, Hold, Sell) for Skandinaviska Enskilda Banken AB stock.
Analyst projections of the future price of Skandinaviska Enskilda Banken AB stock.
Bulls say / Bears say
SEB’s net interest income rose 3% year on year in Q3, with lending up 5% on a currency-adjusted basis as credit demand continued across its divisions. This gives the bank a growing core lending base to build on. (SEB)
Fee and commission income reached a record for a third quarter, up 7% year on year. Growth in fee-based business gives SEB a useful counterweight to swings in lending margins and trading income. (SEB)
SEB expects 2026 costs to finish SEK 500–600 million below its target, while Q3 expected credit losses were just SEK 179 million. This points to strong cost control and currently sound credit quality. (SEB)
Q3 net profit was SEK 7.50 billion, below analyst expectations, as net financial income fell from a year earlier amid weak client activity and difficult trading conditions. That reliance on volatile markets could keep earnings under pressure if conditions do not improve. (Global Banking and Finance Review)
A regulatory change will add about SEK 10 billion to SEB’s core capital requirement, and the bank has paused share buybacks while it addresses the issue. The new internal ratings-based models are not due for submission until 2027, leaving uncertainty over how quickly the capital pressure can ease. (Global Banking and Finance Review)
Competition has left Swedish mortgage margins thin: a recent industry report estimates the average margin at 0.6%, less than half its 2018 level. That puts pressure on returns in a key banking market where SEB is working to grow mortgage lending. (Finance Sweden)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
SEB A Financial Performance
Revenues and expenses
SEB A Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing SEB A
AllEURUSD
Fund name | Fund size | Skr SEB A weighting |
|---|---|---|
Xtrackers MSCI Nordic£XDN0 | €1.1B | 2.01% |
iShares STOXX Europe 600 Banks€EXV1 | €3.7B | 1.48% |
iShares EUR Ultrashort Bond€ERNE | €3.3B | 1.20% |
iShares EUR Ultrashort Bond£ERN1 | €3.3B | 1.20% |
iShares MSCI Europe Financials Sector£ESIF | €1.7B | 0.90% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.