AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - FR0000120628 - Common Stock
39.76 EUR
-0.13 (-0.33%)
Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 36 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.
Each year in the past 5 years 1CS has been profitable.
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 44.44% of its industry peers.
1CS's Return On Equity of 16.72% is fine compared to the rest of the industry. 1CS outperforms 66.67% 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 50.00% 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 2.28%.
| 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
With a Profit Margin value of 8.52%, 1CS perfoms like the industry average, outperforming 41.67% of the companies in the same 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 47.22% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1CS is destroying value.
The number of shares outstanding for 1CS has been reduced compared to 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 91.67% of its industry peers.
The Debt to FCF ratio of 1CS is 1.41, which is an excellent value as it means it would take 1CS, only 1.41 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.41, 1CS is doing good in the industry, outperforming 72.22% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
1CS has a Debt to Equity ratio of 0.65. This is comparable to the rest of the industry: 1CS outperforms 41.67% 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
WACC10.56%
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.
With an excellent Current ratio value of 0.82, 1CS belongs to the best 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
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.
The Earnings Per Share has been growing by 18.09% on average over the past years. This is quite good.
1CS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.40%.
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 6.78% yearly.
The Revenue is expected to grow by 8.25% on average over the next years. This is quite good.
EPS Next Y14.58%
EPS Next 2Y9.06%
EPS Next 3Y8.11%
EPS Next 5Y6.78%
Revenue Next Year8.2%
Revenue Next 2Y6.61%
Revenue Next 3Y6.69%
Revenue Next 5Y8.25%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.60, which indicates a very decent valuation of 1CS.
Compared to the rest of the industry, the Price/Earnings ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 75.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, 1CS is valued rather cheaply.
A Price/Forward Earnings ratio of 9.31 indicates a reasonable valuation of 1CS.
Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than the industry average as 69.44% of the companies are valued more expensively.
1CS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.48, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.6 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued cheaper than 80.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.12 | ||
| 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)0.73
PEG (5Y)0.59
EPS Next 2Y9.06%
EPS Next 3Y8.11%
5. Dividend
5.1 Amount
1CS has a Yearly Dividend Yield of 5.39%, which is a nice return.
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 2.32, 1CS pays a better dividend.
| 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
1CS pays out 61.79% of its income as dividend. 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 2Y9.06%
EPS Next 3Y8.11%
BIT:1CS (9/1/2025, 7:00:00 PM)
39.76
-0.13 (-0.33%)
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 Cap86.21B
Analysts81.48
Price Target45.33 (14.01%)
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)-0.52%
PT rev (3m)3.94%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.7%
EPS NY rev (3m)2.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.89%
Revenue NY rev (3m)1.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.6 | ||
| Fwd PE | 9.31 | ||
| P/S | 0.97 | ||
| P/FCF | 4.12 | ||
| P/OCF | 4.03 | ||
| P/B | 1.9 | ||
| P/tB | 3.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.43%
EPS(NY)4.27
Fwd EY10.74%
FCF(TTM)9.65
FCFY24.27%
OCF(TTM)9.87
OCFY24.82%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.73
PEG (5Y)0.59
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%
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 Turnover0.14
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
WACC10.56%
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 Y14.58%
EPS Next 2Y9.06%
EPS Next 3Y8.11%
EPS Next 5Y6.78%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year8.2%
Revenue Next 2Y6.61%
Revenue Next 3Y6.69%
Revenue Next 5Y8.25%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.76%
EBIT Next 3Y11.02%
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%