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Sea Limited (SE) Stock Analysis — Fair Value, Risk & Moat Rating

NYQ · Consumer Cyclical · Internet Retail

$89.34 -1.99 (-2.2%) As of Apr 20, 2026
Overall Verdict High Risk
0.00
Altman Z-ScoreDistress Zone
$86.85
Fair ValueOvervalued -2.9%
2.3
Moat RatingWeak moat
TL;DR · Audit Summary

Is Sea Limited a safe investment right now?

Sea Limited's Altman Z-Score of 0 places it in the distress zone. Our DCF model estimates intrinsic value at $86.85, suggesting the stock is overvalued by 3%. Moat rating: 2.3/5 stars.

Section 01 · Bankruptcy Risk

Could Sea Limited go bankrupt? Altman Z-Score analysis

0.00

Insufficient data to calculate Z-Score.

  • Below 1.8 — Distress Zone (high bankruptcy risk)
  • 1.8 to 3.0 — Gray Zone (elevated uncertainty)
  • Above 3.0 — Safe Zone (financially healthy)

What drives SE's Z-Score?

Altman Z-Score components for SE
ComponentFormulaValueWeightContribution

How has SE's financial health changed over time?

No Z-Score history available.

SE Z-Score history
YearZ-ScoreZone

Source: Calculated from SE's latest 10-K filing on SEC EDGAR.

Section 02 · Fair Value Estimate (Value-Speculation)

What could Sea Limited be worth? (High Uncertainty)

Value-Speculation Classification: This stock has fundamental underpinnings but is priced on growth expectations. Fair value estimated with wider uncertainty bands.
Blended Fair Value · FVL Estimate$86.85
vs
Market Price · today$89.34

Fair value range: $34.60 — $137.76

Margin of Safety -2.9% Growth-adjusted estimate suggests 2.9% premium to fair value. Range $35-$138. This stock is priced for continued high growth.

Valuation Methods Used

FVL multi-factor valuation breakdown
MethodFair ValueWeightDetail
Historical PE × Forward EPS$137.7650%40.0x avg PE (1 years) × $3.44 forward EPS
DCF (Discounted Cash Flow)$34.6030%Two-stage DCF: $0.5B TTM FCF, 18.3% growth, 13.0% WACC
EV/FCF Multiple$37.9320%TTM FCF × 28x multiple + net cash

Assumptions & Data Sources

Valuation model inputs
ParameterValueSource
FCF Growth Rate (Stage 1)18.3%70% analyst consensus + 30% historical
Analyst EPS Growth (This Year)21.7%Consensus (29 analysts)
Analyst EPS Growth (Next Year)30.4%Consensus
Historical 5Y FCF CAGR0%SEC EDGAR
Terminal Growth Rate2.5%Long-term GDP proxy
Discount Rate (WACC)13.0%CAPM (Rf=4.3% + 1.7*5.5%)
Net Cash / (Debt)$7,196MBalance sheet
Base FCF (TTM)$0.5BTrailing 12 months
Shares Outstanding566,956,729Latest

Sensitivity Analysis

DCF intrinsic value at different growth & WACC assumptions
Growth Rate8% WACC10% WACC13.0% WACC13% WACC
0%$14.51$10.72$7.74$7.74
2.5%$16.80$12.32$8.80$8.80
5.0%$19.42$14.14$10.01$10.01
7.5%$23.01$16.59$11.59$11.59

Free Cash Flow History

SE Free Cash Flow history
YearFCFGrowth

Source: FCF data from SEC EDGAR filings. Price via Yahoo Finance.

Section 03 · Competitive Moat

Does Sea Limited have a durable competitive advantage?

★★☆☆☆
Weak moat

Moat rating: 2.3/5.

What makes up SE's moat score?

ROIC Stability

★★☆☆☆

ROIC variability over the past decade. Score: 2/5.

Gross Margin Trend

★★★☆☆

Gross margin trajectory over the past decade. Score: 3/5.

Switching Costs

★★☆☆☆

Estimated customer lock-in based on margin level. Score: 2/5.

How stable is SE's return on invested capital?

No ROIC history available.

SE ROIC history
YearROICTrend

Source: ROIC calculated from SEC EDGAR filings.

Section 04 · Dividend Safety

Is Sea Limited's dividend safe?

Status Suspended Sea Limited has suspended its dividend. No payout is currently being made to shareholders.
Section 05 · Financial Summary

Sea Limited's key financial metrics

SE financial summary
MetricLatest1Y Ago3Y AgoTrend
Section 06 · FAQ

Common questions about Sea Limited

Is Sea Limited at risk of going bankrupt?

Sea Limited's Altman Z-Score of 0 places it in the distress zone. This metric uses balance sheet ratios to predict bankruptcy probability within 2 years. A score below 1.8 signals distress, while above 3.0 indicates safety.

What is Sea Limited's intrinsic value based on DCF?

Our DCF model estimates Sea Limited's intrinsic value at $86.85 per share. The current margin of safety is -2.9%. This estimate is based on historical free cash flow trends and a risk-adjusted discount rate.

Does Sea Limited have a competitive moat?

Sea Limited receives a moat rating of 2.3 out of 5 stars, based on ROIC stability, gross margin trends, and estimated switching costs. A rating above 3.5 suggests a durable competitive advantage.

Does Sea Limited pay a dividend?

Sea Limited does not currently pay a regular dividend, or has suspended its dividend. Check the dividend safety section for the latest status.

SE · Value Investing Quiz

Before you invest in Sea Limited, make sure you truly understand it.

A deep understanding of a company's fundamentals, risk profile, and competitive position dramatically increases your investment accuracy and odds of success.

Pass the quiz to earn the SE Certified Value Investor badge.

FairValueLabs Disclaimer

All valuations, scores, ratings, and classifications on this page are produced by the FairValueLabs internal valuation system. They do not represent actual market value, guaranteed outcomes, or professional investment advice. These are analytical estimates for educational and research purposes only.

This is not financial advice. All data is sourced from SEC EDGAR public filings. Always consult a qualified financial advisor before making investment decisions.

Last updated: Apr 20, 2026. Data sources: SEC EDGAR (financial statements), Yahoo Finance (market data, analyst consensus). Data may not reflect the most recent quarter.

SE analysis methodology: How we calculate fair value, Z-Scores, and moat ratings