AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - Euronext Milan - FR0000120628 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to 1CS. 1CS was compared to 39 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a decent growth rate and is not valued too expensively. 1CS also has an excellent dividend rating. With these ratings, 1CS could be worth investigating further 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.
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's Return On Assets of 1.18% is in line compared to the rest of the industry. 1CS outperforms 58.97% of its industry peers.
Looking at the Return On Equity, with a value of 15.39%, 1CS is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
1CS has a Return On Invested Capital (1.33%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1CS is in line with the industry average of 2.14%.
The last Return On Invested Capital (1.33%) for 1CS is above the 3 year average (1.29%), which is a sign of increasing profitability.
| 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 has a Profit Margin (8.80%) which is comparable to the rest of the industry.
1CS's Profit Margin has improved in the last couple of years.
1CS's Operating Margin of 12.32% is in line compared to the rest of the industry. 1CS outperforms 56.41% of 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
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.
The Altman-Z score of 1CS (0.35) is better than 87.18% of its industry peers.
The Debt to FCF ratio of 1CS is 2.19, which is a good value as it means it would take 1CS, 2.19 years of fcf income to pay off all of its debts.
1CS has a better Debt to FCF ratio (2.19) than 76.92% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that 1CS is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.53, 1CS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.13
WACC10.45%
2.3 Liquidity
1CS has a Current 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.
1CS has a Current ratio of 0.87. This is amongst the best in the industry. 1CS outperforms 89.74% 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.
1CS has a better Quick ratio (0.87) than 89.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
1CS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.08%, which is quite good.
The Earnings Per Share has been growing by 18.09% on average over the past years. This is quite good.
The Revenue has been growing slightly by 4.38% in the past year.
1CS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
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
Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 5.12% on average per year.
1CS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.15% yearly.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y5.12%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.15%
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
Based on the Price/Earnings ratio of 11.57, the valuation of 1CS can be described as reasonable.
71.79% of the companies in the same industry are more expensive than 1CS, based on the Price/Earnings ratio.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 27.48, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.37, 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 66.67% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 36.52. 1CS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.37 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued a bit cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1CS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of 1CS may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)0.64
EPS Next 2Y9.13%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.16%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.54, 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 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
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
57.97% of the earnings are spent on dividend by 1CS. 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 (7/17/2025, 7:00:00 PM)
41.55
-0.28 (-0.67%)
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 Cap92.05B
Analysts81.54
Price Target44.23 (6.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
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)0%
PT rev (3m)3.21%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.36%
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 | 11.57 | ||
| Fwd PE | 10.37 | ||
| P/S | 1.05 | ||
| P/FCF | 7.68 | ||
| P/OCF | 7.38 | ||
| P/B | 1.84 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.64%
EPS(NY)4.01
Fwd EY9.64%
FCF(TTM)5.41
FCFY13.03%
OCF(TTM)5.63
OCFY13.54%
SpS39.42
BVpS22.54
TBVpS12.36
PEG (NY)1
PEG (5Y)0.64
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 | 0.35 |
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 5Y5.12%
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 5Y7.15%
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%