Update shared on 02 Dec 2025
Fair value Increased 1.27%Analysts have raised their fair value estimate for Skandinaviska Enskilda Banken to SEK 182.50 from SEK 180.21. This change is attributed to improved revenue growth and recent upward price target revisions by major financial institutions.
Analyst Commentary
Recent adjustments in price targets for Skandinaviska Enskilda Banken reflect evolving views among equity research analysts on the company's prospects. The key highlights indicate both optimism about the bank's ability to deliver growth and areas where caution may be warranted.
Bullish Takeaways
- Bullish analysts are increasing their price targets, citing robust revenue growth projections and sustained operational execution as primary reasons for their upward revisions.
- Expectations for improved profitability and higher return on equity continue to support positive sentiment around the company’s valuation outlook.
- Recent upward price target revisions suggest confidence in the management’s strategy to adapt and pursue new growth opportunities in the Nordic financial market.
- A strong capital position and prudent risk management are seen as providing resilience against potential macroeconomic uncertainties.
Bearish Takeaways
- Some analysts maintain neutral stances, highlighting ongoing competition in the sector as a potential constraint on margin expansion.
- Heightened regulatory pressures are viewed as an ongoing risk, possibly affecting cost dynamics and near-term profit growth.
- There are concerns that recent share price appreciation may already reflect much of the anticipated upside, which could limit further valuation gains without clear catalysts.
- Uncertainty around global economic conditions is seen as a factor that could slow the pace of future growth and returns.
What's in the News
- OBOS Eiendom AS has mandated Danske Bank and Skandinaviska Enskilda Banken as Joint Lead Managers to explore a potential issuance of a new senior secured bond. The bond may have a maximum size of up to NOK 725 million and an expected tenor of 5.25 years (Client Announcements).
- The launch of the bond transaction is subject to market conditions and is anticipated in the near future (Client Announcements).
- In connection with the possible issuance, OBOS BBL will consider buy-backs for several outstanding bonds, including issues maturing in 2026 and 2027: ISINs NO0010946494, NO0010763733, and NO0012828393 (Client Announcements).
Valuation Changes
- Fair Value Estimate has risen slightly, increasing from SEK 180.21 to SEK 182.50.
- Discount Rate has edged down marginally, moving from 6.21% to 6.21% (rounded to two decimal places).
- Revenue Growth Assumption has increased modestly, from 3.18% to 3.27%.
- Net Profit Margin is almost unchanged, decreasing marginally from 40.69% to 40.68%.
- Future Price/Earnings Ratio projection has risen slightly, from 11.63x to 11.75x.
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