AS SEB PankRegistered
Key figures
405 763 638 €−20,1%
Revenue 2025
+15,4%
Average annual growth 2019–2025
Ratios
202540,3%
Profit margin
50,6%
EBITDA margin
10,7%
Equity ratio
16,2%
Return on equity
4641 €
Average gross salary
Balance sheet structure
Current assetsNon-current assetsLiabilitiesEquity
Quarterly figures
| Quarter | Revenue | Number of employees | Labour taxes |
|---|---|---|---|
| Q2 2026 | 98 345 410 € | 1058 | 8 242 660 € |
| Q1 2026 | 84 852 598 € | 1027 | 8 520 667 € |
| Q4 2025 | 81 694 298 € | 1050 | 7 787 934 € |
| Q3 2025 | 82 952 960 € | 1064 | 8 395 025 € |
| Q2 2025 | 81 396 295 € | 1084 | 9 299 831 € |
| Q1 2025 | 99 079 382 € | 1057 | 8 549 669 € |
Source: Tax Board open data — based on VAT returns, may not exactly match revenue in the annual report. Updated quarterly.
Summary of financial statements2019–2025
| 2019 † | 2020 † | 2021 † | 2022 † | 2023 † | 2024 † | 2025 † | |
|---|---|---|---|---|---|---|---|
| Balance sheet — assets | |||||||
| Total current assets | 6 628 000 000 | 7 240 000 000 | 7 658 000 000 | 8 034 000 000 | 8 372 900 000 | 9 004 800 000 | 9 379 700 000 |
| Total non-current assets | 68 100 000 | 81 900 000 | 99 900 000 | 52 500 000 | 91 200 000 | 50 300 000 | 53 800 000 |
| Total assets | 6 696 136 629 | 7 321 868 509 | 7 757 879 304 | 8 086 488 254 | 8 464 126 007 | 9 055 086 523 | 9 433 516 615 |
| Balance sheet — liabilities and equity | |||||||
| Current liabilities | — | — | — | — | — | — | — |
| Non-current liabilities | — | — | — | — | — | — | — |
| Total liabilities | — | — | — | — | — | — | — |
| Share capital | 42 500 000 | 42 500 000 | 42 500 000 | 42 500 000 | 42 500 000 | 42 500 000 | 42 500 000 |
| Retained earnings of previous periods | 621 300 000 | 622 900 000 | 651 600 000 | 670 600 000 | 650 900 000 | 574 200 000 | 701 500 000 |
| Profit for the year | 101 000 000 | 105 000 000 | 117 300 000 | 120 600 000 | 229 300 000 | 301 500 000 | 163 600 000 |
| Reserves and other equity | 105 200 000 | 105 200 000 | 105 200 000 | 105 200 000 | 105 200 000 | 105 200 000 | 105 200 000 |
| Total equity | 870 000 000 | 875 600 000 | 916 600 000 | 938 900 000 | 1 027 900 000 | 1 023 400 000 | 1 012 800 000 |
| Income statement | |||||||
| Sales revenue | 171 574 337 | 174 384 347 | 173 758 120 | 195 347 875 | 457 552 919 | 508 018 109 | 405 763 638 |
| Operating profit | — | 88 100 000 | 130 400 000 | 137 400 000 | 272 400 000 | 368 600 000 | 197 100 000 |
| EBITDA | — | 95 800 000 | 138 000 000 | 146 300 000 | 279 900 000 | 376 200 000 | 205 500 000 |
| Profit before income tax | 114 500 000 | 117 200 000 | 130 400 000 | 137 400 000 | 272 400 000 | 368 600 000 | 197 100 000 |
| Profit for the reporting year | 101 000 000 | 105 000 000 | 117 300 000 | 120 600 000 | 229 300 000 | 301 500 000 | 163 600 000 |
| Labour costs | 39 800 000 | 41 300 000 | 43 200 000 | 49 000 000 | 56 400 000 | 63 100 000 | 66 800 000 |
| Depreciation of non-current assets | 7 300 000 | 7 700 000 | 7 600 000 | 8 900 000 | 7 500 000 | 7 600 000 | 8 400 000 |
| Other indicators | |||||||
| Employees | 976 | 972 | 980 | 1015 | 1036 | 1067 | 1053 |
| Calculated dividend | — | — | — | — | — | — | — |
A dash (—) means the report has not been filed or the line is not reported; 0 is a zero stated in the report. † Figures for the marked years come from a report filed as PDF and may be incomplete.
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Annual reportsPDF, XBRL
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Source: e-Business Register (RIK). Files open/download directly from the official register.
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