AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CS - FR0000120628 - Common Stock
38.79 EUR
+0.1 (+0.26%)
1CS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 49 industry peers in the Insurance industry. 1CS has an average financial health and profitability rating. 1CS is valued quite cheap, while showing a decent growth score. This is a good combination! This makes 1CS very considerable for value investing!
1. Profitability
1.1 Basic Checks
1CS had positive earnings in the past year.
In the past year 1CS had a positive cash flow from operations.
1CS had positive earnings in each of the past 5 years.
Each year in the past 5 years 1CS had a positive operating cash flow.
1.2 Ratios
1CS has a Return On Assets of 1.18%. This is comparable to the rest of the industry: 1CS outperforms 51.02% of its industry peers.
1CS has a better Return On Equity (16.72%) than 69.39% of its industry peers.
1CS has a Return On Invested Capital (1.28%) which is comparable to the rest of the industry.
1CS had an Average Return On Invested Capital over the past 3 years of 1.29%. This is in line with the industry average of 2.67%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROIC | 1.28% |
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 has a Profit Margin (8.52%) which is in line with its industry peers.
1CS's Profit Margin has improved in the last couple of years.
1CS's Operating Margin of 11.47% is in line compared to the rest of the industry. 1CS outperforms 48.98% of its industry peers.
In the last couple of years the Operating Margin of 1CS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| 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.
The number of shares outstanding for 1CS has been reduced compared to 1 year ago.
The number of shares outstanding for 1CS has been reduced compared to 5 years ago.
1CS has a worse debt/assets ratio than last year.
2.2 Solvency
1CS has an Altman-Z score of 0.35. This is a bad value and indicates that 1CS is not financially healthy and even has some risk of bankruptcy.
1CS has a Altman-Z score of 0.35. This is amongst the best in the industry. 1CS outperforms 85.71% of its industry peers.
1CS has a debt to FCF ratio of 1.41. This is a very positive value and a sign of high solvency as it would only need 1.41 years to pay back of all of its debts.
1CS has a better Debt to FCF ratio (1.41) than 75.51% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.65, 1CS is in line with its industry, outperforming 46.94% of the companies in the same industry.
Although 1CS does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.81%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
1CS has a Current ratio of 0.82. This is amongst the best in the industry. 1CS outperforms 87.76% of its industry peers.
A Quick Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
1CS has a Quick ratio of 0.82. This is amongst the best in the industry. 1CS outperforms 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
1CS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.70%, which is quite good.
1CS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.09% yearly.
Looking at the last year, 1CS shows a small growth in Revenue. The Revenue has grown by 4.40% in the last year.
Measured over the past years, 1CS shows a decrease in Revenue. The Revenue has been decreasing by -8.16% on average per year.
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
3.2 Future
1CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
1CS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.53% yearly.
EPS Next Y11.96%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
EPS Next 5Y6.92%
Revenue Next Year9.09%
Revenue Next 2Y7%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
With a Price/Earnings ratio of 10.34, the valuation of 1CS can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of 1CS indicates a rather cheap valuation: 1CS is cheaper than 83.67% of the companies listed in the same industry.
1CS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.43.
The Price/Forward Earnings ratio is 9.08, which indicates a very decent valuation of 1CS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CS indicates a rather cheap valuation: 1CS is cheaper than 81.63% of the companies listed in the same industry.
1CS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 9.08 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued cheaper than 89.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.94 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1CS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)0.57
EPS Next 2Y9.07%
EPS Next 3Y8.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.39%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.14, 1CS pays a bit more dividend than its industry peers.
1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
On average, the dividend of 1CS grows each year by 8.12%, which is quite nice.
Dividend Growth(5Y)8.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
61.79% of the earnings are spent on dividend by 1CS. This is not a sustainable payout ratio.
1CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
BIT:1CS (12/8/2025, 7:00:00 PM)
38.79
+0.1 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.12%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap82.38B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.57 (17.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
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)0.11%
PT rev (3m)0.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.2%
EPS NY rev (3m)-2.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 9.08 | ||
| P/S | 0.92 | ||
| P/FCF | 3.94 | ||
| P/OCF | 3.85 | ||
| P/B | 1.81 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.67%
EPS(NY)4.27
Fwd EY11.01%
FCF(TTM)9.85
FCFY25.4%
OCF(TTM)10.08
OCFY25.98%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.86
PEG (5Y)0.57
Graham Number42.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROCE | 1.62% | ||
| ROIC | 1.28% | ||
| ROICexc | 1.33% | ||
| ROICexgc | 1.74% | ||
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A | ||
| FCFM | 23.44% |
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%
ROICexgc growth 3Y10.47%
ROICexgc 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 Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.53% | ||
| Interest Coverage | 1.98 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 275.1% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.81%
ROIC/WACC0.12
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)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
EPS Next Y11.96%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
EPS Next 5Y6.92%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.09%
Revenue Next 2Y7%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.92%
EBIT Next 3Y11.14%
EBIT Next 5YN/A
FCF growth 1Y150.74%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y145.39%
OCF growth 3Y7.85%
OCF growth 5Y9.48%
AXA SA / 1CS.MI FAQ
What is the fundamental rating for 1CS stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1CS.MI.
What is the valuation status of AXA SA (1CS.MI) stock?
ChartMill assigns a valuation rating of 7 / 10 to AXA SA (1CS.MI). This can be considered as Undervalued.
How profitable is AXA SA (1CS.MI) stock?
AXA SA (1CS.MI) has a profitability rating of 5 / 10.
What is the financial health of AXA SA (1CS.MI) stock?
The financial health rating of AXA SA (1CS.MI) is 5 / 10.
How sustainable is the dividend of AXA SA (1CS.MI) stock?
The dividend rating of AXA SA (1CS.MI) is 6 / 10 and the dividend payout ratio is 61.79%.