AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - Euronext Milan - FR0000120628 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to 1CS. 1CS was compared to 37 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a decent growth rate and is not valued too expensively. Finally 1CS also has an excellent dividend rating. This makes 1CS very considerable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year 1CS was profitable.
1CS had a positive operating cash flow in the past year.
In the past 5 years 1CS has always been profitable.
Each year in the past 5 years 1CS had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 1CS (1.18%) is better than 60.53% of its industry peers.
Looking at the Return On Equity, with a value of 15.39%, 1CS is in the better half of the industry, outperforming 63.16% of the companies in the same industry.
The Return On Invested Capital of 1CS (1.33%) is better than 60.53% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1CS is in line with the industry average of 2.10%.
The 3 year average ROIC (1.29%) for 1CS is below the current ROIC(1.33%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROIC | 1.33% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
1.3 Margins
1CS's Profit Margin of 8.80% is in line compared to the rest of the industry. 1CS outperforms 50.00% of its industry peers.
1CS's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 12.32%, 1CS perfoms like the industry average, outperforming 57.89% of the companies in the same industry.
In the last couple of years the Operating Margin of 1CS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| GM | N/A |
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1CS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
1CS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1CS has been reduced compared to 5 years ago.
Compared to 1 year ago, 1CS has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.35, we must say that 1CS is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.35, 1CS belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
The Debt to FCF ratio of 1CS is 2.19, which is a good value as it means it would take 1CS, 2.19 years of fcf income to pay off all of its debts.
1CS's Debt to FCF ratio of 2.19 is fine compared to the rest of the industry. 1CS outperforms 73.68% of its industry peers.
1CS has a Debt/Equity ratio of 0.53. This is a neutral value indicating 1CS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, 1CS is in the better half of the industry, outperforming 65.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.13
WACC10.53%
2.3 Liquidity
A Current Ratio of 0.87 indicates that 1CS may have some problems paying its short term obligations.
1CS's Current ratio of 0.87 is amongst the best of the industry. 1CS outperforms 86.84% of its industry peers.
A Quick Ratio of 0.87 indicates that 1CS may have some problems paying its short term obligations.
The Quick ratio of 1CS (0.87) is better than 86.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.08% over the past year.
Measured over the past years, 1CS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.09% on average per year.
Looking at the last year, 1CS shows a small growth in Revenue. The Revenue has grown by 4.38% in the last year.
The Revenue has been decreasing by -8.16% on average over the past years.
EPS 1Y (TTM)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
3.2 Future
The Earnings Per Share is expected to grow by 6.32% on average over the next years.
Based on estimates for the next years, 1CS will show a small growth in Revenue. The Revenue will grow by 7.73% on average per year.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y6.32%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.73%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.57 indicates a reasonable valuation of 1CS.
Based on the Price/Earnings ratio, 1CS is valued a bit cheaper than 76.32% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.25. 1CS is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.37, the valuation of 1CS can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 73.68% of the companies listed in the same industry.
1CS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.15, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.37 |
4.2 Price Multiples
65.79% of the companies in the same industry are more expensive than 1CS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of 1CS may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)0.64
EPS Next 2Y9.13%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.16%, 1CS is a good candidate for dividend investing.
1CS's Dividend Yield is a higher than the industry average which is at 4.50.
1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
5.2 History
The dividend of 1CS is nicely growing with an annual growth rate of 8.12%!
Dividend Growth(5Y)8.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
57.97% of the earnings are spent on dividend by 1CS. This is a bit on the high side, but may be sustainable.
The dividend of 1CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP57.97%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
BIT:1CS (5/30/2025, 7:00:00 PM)
41.52
+0.86 (+2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36.79%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap91.97B
Analysts80.74
Price Target43.61 (5.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP57.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.76%
PT rev (3m)6.95%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.58%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.28%
Revenue NY rev (3m)6.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.37 | ||
| P/S | 1.05 | ||
| P/FCF | 7.67 | ||
| P/OCF | 7.38 | ||
| P/B | 1.84 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.65%
EPS(NY)4.01
Fwd EY9.65%
FCF(TTM)5.41
FCFY13.04%
OCF(TTM)5.63
OCFY13.56%
SpS39.43
BVpS22.55
TBVpS12.36
PEG (NY)1
PEG (5Y)0.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROCE | 1.67% | ||
| ROIC | 1.33% | ||
| ROICexc | 1.37% | ||
| ROICexgc | 1.79% | ||
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| GM | N/A | ||
| FCFM | 13.73% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
ROICexc(3y)1.34%
ROICexc(5y)1.16%
ROICexgc(3y)1.75%
ROICexgc(5y)1.48%
ROCE(3y)1.62%
ROCE(5y)1.41%
ROICexcg growth 3Y10.47%
ROICexcg growth 5Y16.55%
ROICexc growth 3Y8.69%
ROICexc growth 5Y14.36%
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 1.72 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 156.03% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.53%
ROIC/WACC0.13
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)0.4%
Profit Quality(3y)104.89%
Profit Quality(5y)238.88%
High Growth Momentum
Growth
EPS 1Y (TTM)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y6.32%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.73%
EBIT growth 1Y18.59%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.76%
EBIT Next 3Y11.02%
EBIT Next 5YN/A
FCF growth 1Y240.94%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y216.74%
OCF growth 3Y7.85%
OCF growth 5Y9.48%