AXA SA (1CS.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1CS • FR0000120628
38.94 EUR
-0.83 (-2.09%)
Last: Feb 2, 2026, 07:00 PM
Taking everything into account, 1CS scores 5 out of 10 in our fundamental rating. 1CS was compared to 47 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a correct valuation and a medium growth rate. 1CS also has an excellent dividend rating. These ratings would make 1CS suitable 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.
- 1CS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 1.18%, 1CS perfoms like the industry average, outperforming 43.75% of the companies in the same industry.
- 1CS has a Return On Equity of 16.72%. This is in the better half of the industry: 1CS outperforms 60.42% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 1.28%, 1CS is in line with its industry, outperforming 52.08% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for 1CS is in line with the industry average of 2.92%.
| 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 comparable to the rest of the industry.
- In the last couple of years the Profit Margin of 1CS has grown nicely.
- 1CS's Operating Margin of 11.47% is in line compared to the rest of the industry. 1CS outperforms 43.75% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1CS is destroying value.
- 1CS has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, 1CS has less shares outstanding
- 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 89.58% 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's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. 1CS outperforms 75.00% of its industry peers.
- A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
- 1CS has a Debt to Equity ratio (0.65) which is in line with its industry peers.
- Even though the debt/equity ratio score it not favorable for 1CS, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.89%
2.3 Liquidity
- 1CS has a Current Ratio of 0.82. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 0.82, 1CS belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
- 1CS has a Quick Ratio of 0.82. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
- 1CS's Quick ratio of 0.82 is amongst the best of the industry. 1CS outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 8.70% over the past year.
- 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.
- The Revenue has been decreasing by -8.16% on average over the past years.
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 6.61% yearly.
- The Revenue is expected to grow by 8.21% on average over the next years. This is quite good.
EPS Next Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
EPS Next 5Y6.61%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.21%
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
- Based on the Price/Earnings ratio of 10.38, the valuation of 1CS can be described as reasonable.
- 1CS's Price/Earnings ratio is a bit cheaper when compared to the industry. 1CS is cheaper than 77.08% of the companies in the same industry.
- When comparing the Price/Earnings ratio of 1CS to the average of the S&P500 Index (28.25), we can say 1CS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.12, the valuation of 1CS can be described as reasonable.
- Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
- 1CS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 9.12 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1CS indicates a rather cheap valuation: 1CS is cheaper than 83.33% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.85
PEG (5Y)0.57
EPS Next 2Y9.08%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.62%, 1CS is a good candidate for dividend investing.
- 1CS's Dividend Yield is rather good when compared to the industry average which is at 4.09. 1CS pays more dividend than 83.33% of the companies in the same industry.
- 1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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 2Y9.08%
EPS Next 3Y8.44%
BIT:1CS (2/2/2026, 7:00:00 PM)
38.94
-0.83 (-2.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-01 2025-08-01/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap82.69B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.6 (17.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.62% |
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)0.08%
PT rev (3m)-0.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.21%
EPS NY rev (3m)-2.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 9.12 | ||
| P/S | 0.93 | ||
| P/FCF | 3.95 | ||
| P/OCF | 3.86 | ||
| P/B | 1.82 | ||
| P/tB | 3.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.63%
EPS(NY)4.27
Fwd EY10.97%
FCF(TTM)9.85
FCFY25.31%
OCF(TTM)10.08
OCFY25.88%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.85
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
WACC10.89%
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 Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
EPS Next 5Y6.61%
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 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.21%
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 for 1CS stock?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (1CS.MI). This can be considered as Fairly Valued.
What is the profitability of 1CS stock?
AXA SA (1CS.MI) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for 1CS stock?
The Price/Earnings (PE) ratio for AXA SA (1CS.MI) is 10.38 and the Price/Book (PB) ratio is 1.82.
Is the dividend of AXA SA sustainable?
The dividend rating of AXA SA (1CS.MI) is 6 / 10 and the dividend payout ratio is 61.79%.