AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - BIT:1CS - FR0000120628 - Common Stock
38.25 EUR
+0.07 (+0.18%)
We assign a fundamental rating of 5 out of 10 to 1CS. 1CS was compared to 40 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
1CS had positive earnings in the past year.
1CS had a positive operating cash flow in the past year.
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 53.85% of its industry peers.
1CS has a Return On Equity of 16.72%. This is in the better half of the industry: 1CS outperforms 69.23% of its industry peers.
The Return On Invested Capital of 1CS (1.28%) 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 2.35%.
| 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.
With a Operating Margin value of 11.47%, 1CS perfoms like the industry average, outperforming 51.28% 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 | 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.
1CS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1CS is higher compared to a year ago.
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 87.18% 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.
With an excellent Debt to FCF ratio value of 1.41, 1CS belongs to the best of the industry, outperforming 82.05% of the companies in the same industry.
1CS has a Debt/Equity ratio of 0.65. This is a neutral value indicating 1CS is somewhat dependend on debt financing.
1CS's Debt to Equity ratio of 0.65 is in line compared to the rest of the industry. 1CS outperforms 53.85% of its industry peers.
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
WACC10.88%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.82, 1CS belongs to the top of the industry, outperforming 89.74% of the companies in the same industry.
A Quick Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
The Quick ratio of 1CS (0.82) is better than 89.74% 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.
1CS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
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
Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 6.71% on average per year.
The Revenue is expected to grow by 8.53% on average over the next years. This is quite good.
EPS Next Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
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
1CS is valuated reasonably with a Price/Earnings ratio of 10.20.
Based on the Price/Earnings ratio, 1CS is valued cheaply inside the industry as 84.62% of the companies are valued more expensively.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
1CS is valuated reasonably with a Price/Forward Earnings ratio of 8.94.
Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than 79.49% of the companies 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 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued cheaper than 89.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.96 | ||
| 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)0.84
PEG (5Y)0.56
EPS Next 2Y9.15%
EPS Next 3Y8.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.58%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.50, 1CS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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
61.79% of the earnings are spent on dividend by 1CS. This is not a sustainable payout ratio.
The dividend of 1CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
BIT:1CS (11/17/2025, 7:00:00 PM)
38.25
+0.07 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.83%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap82.94B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.35 (18.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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)-0.85%
PT rev (3m)-0.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.07%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.94 | ||
| P/S | 0.93 | ||
| P/FCF | 3.96 | ||
| P/OCF | 3.88 | ||
| P/B | 1.82 | ||
| P/tB | 3.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.8%
EPS(NY)4.28
Fwd EY11.18%
FCF(TTM)9.65
FCFY25.23%
OCF(TTM)9.87
OCFY25.8%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.84
PEG (5Y)0.56
Graham Number42.07
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
WACC10.88%
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 Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
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 6 / 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%.