SEB-A PEER ANALYSIS

Skandinaviska Enskilda Banken AB (publ) — metric-by-metric comparison with peers and the industry median

SEB-ASkandinaviska Enskilda Banken AB (publ)

🇸🇪 Sweden · ST · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

SEB-AIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SEB-A	MTB	DNB	FITB	HBAN	CBK	Ind. Median
P/E	12.79	13.05	10.45●	22.44	15.04	17.61	12.58
P/B	1.82	1.31	1.44	1.36	1.02●	1.38	1.26
EV/EBITDA	21.99	0.17	—	18.45	5.86	-4.80●	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SEB-A	MTB	DNB	FITB	HBAN	CBK	Ind. Median
Current Ratio	0.22	0.32	—	3.17	20.08●	3.10	0.31
Debt/Equity	445.9%	68.0%	—	58.8%	72.1%	11.5%●	38.0%
NetDebt/EBITDA	12.36	-8.69	—	4.73	-4.37	-15.04●	-0.58

Profitability
Metric	SEB-A	MTB	DNB	FITB	HBAN	CBK	Ind. Median
Net Margin	20.7%	23.7%	62.0%●	15.9%	16.6%	13.1%	20.6%
ROE	13.6%	10.3%	14.0%●	8.0%	8.3%	8.3%	10.9%
ROA	0.7%	1.4%●	1.1%	0.9%	0.9%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SEB-A	MTB	DNB	FITB	HBAN	CBK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-10.1%	11.0%●	-9.1%	-5.9%	7.8%	-2.2%	19.4%
Div. Yield	4.4%	2.4%	6.1%●	2.7%	3.4%	2.9%	2.5%
Payout	75.0%	36.0%	180.1%	54.0%	47.8%	—	31.4%

Valuation
Metric	SEB-A	SWED-A	NDA-SE	Ind. Median
P/E	12.79	12.86	12.22●	12.58
P/B	1.82●	2.06	1.91	1.26
EV/EBITDA	21.99●	24.80	34.19	9.12
P/S	—	—	—	—

Financial Health
Metric	SEB-A	SWED-A	NDA-SE	Ind. Median
Current Ratio	0.22	0.27●	0.16	0.31
Debt/Equity	445.9%●	513.7%	704.0%	38.0%
NetDebt/EBITDA	12.36●	15.09	25.50	-0.58

Profitability
Metric	SEB-A	SWED-A	NDA-SE	Ind. Median
Net Margin	20.7%	27.8%●	20.9%	20.6%
ROE	13.6%	16.0%●	15.8%	10.9%
ROA	0.7%	1.0%●	0.7%	1.2%
EBITDA Margin	—	—	—	20.4%

Growth + Dividend
Metric	SEB-A	SWED-A	NDA-SE	Ind. Median
Rev. Growth	—	—	—	—
NI Growth	-10.1%	-7.9%	-4.4%●	19.4%
Div. Yield	4.4%	5.6%●	0.5%	2.5%
Payout	75.0%	28.5%	0.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.