AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - Euronext Milan - FR0000120628 - Common Stock - Currency: EUR
Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 38 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. Finally 1CS also has an excellent dividend rating. This makes 1CS very considerable for dividend investing!
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 (1.18%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 15.39%, 1CS is doing good in the industry, outperforming 63.16% of the companies in the same industry.
1CS has a Return On Invested Capital of 1.33%. This is comparable to the rest of the industry: 1CS outperforms 55.26% of its industry peers.
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 2.30%.
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 44.74% of its industry peers.
1CS's Profit Margin has improved in the last couple of years.
1CS has a Operating Margin (12.32%) which is in line with its industry peers.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1CS is destroying value.
Compared to 1 year ago, 1CS has less shares outstanding
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 0.36. This is a bad value and indicates that 1CS is not financially healthy and even has some risk of bankruptcy.
1CS's Altman-Z score of 0.36 is amongst the best of the industry. 1CS outperforms 89.47% of its industry peers.
1CS has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as 1CS would need 2.19 years to pay back of all of its debts.
1CS's Debt to FCF ratio of 2.19 is fine compared to the rest of the industry. 1CS outperforms 71.05% 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 | 0.36 |
ROIC/WACC0.13
WACC10.45%
2.3 Liquidity
A Current Ratio of 0.87 indicates that 1CS may have some problems paying its short term obligations.
1CS has a Current ratio of 0.87. This is amongst the best in the industry. 1CS outperforms 81.58% of its industry peers.
1CS has a Quick Ratio of 0.87. 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 Quick ratio, with a value of 0.87, 1CS belongs to the top of the industry, outperforming 81.58% of the companies in the same industry.
| 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.
1CS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.09% yearly.
The Revenue has been growing slightly by 4.38% in the past 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 5.50% on average over the next years.
1CS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.54% yearly.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y5.5%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.54%
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
1CS is valuated reasonably with a Price/Earnings ratio of 11.69.
Based on the Price/Earnings ratio, 1CS is valued a bit cheaper than 68.42% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1CS to the average of the S&P500 Index (26.35), we can say 1CS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.48, the valuation of 1CS can be described as reasonable.
1CS's Price/Forward Earnings ratio is in line with the industry average.
1CS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.69 | ||
| Fwd PE | 10.48 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 60.53% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.75 | ||
| 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.
1CS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.01
PEG (5Y)0.65
EPS Next 2Y9.13%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.13%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.47, 1CS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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
1CS pays out 57.97% of its income as dividend. 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 (6/16/2025, 7:00:00 PM)
41.98
-0.31 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.99%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap92.99B
Analysts81.48
Price Target44.23 (5.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.13% |
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)1.43%
PT rev (3m)7.22%
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%
Revenue NY rev (3m)6.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.69 | ||
| Fwd PE | 10.48 | ||
| P/S | 1.06 | ||
| P/FCF | 7.75 | ||
| P/OCF | 7.46 | ||
| P/B | 1.86 | ||
| P/tB | 3.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.55%
EPS(NY)4.01
Fwd EY9.54%
FCF(TTM)5.41
FCFY12.9%
OCF(TTM)5.63
OCFY13.41%
SpS39.43
BVpS22.55
TBVpS12.36
PEG (NY)1.01
PEG (5Y)0.65
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 | 0.36 |
F-Score7
WACC10.45%
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 5Y5.5%
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 5Y7.54%
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%