1GLE Fundamental Analysis - SOCIETE GENERALE SA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1GLE. 1GLE was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of 1GLE have multiple concerns. 1GLE has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year 1GLE was profitable.

In the past year 1GLE has reported a negative cash flow from operations.

Of the past 5 years 1GLE 4 years were profitable.

1GLE had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.22%, 1GLE is doing worse than 87.37% of the companies in the same industry.

1GLE has a worse Return On Equity (5.10%) than 71.58% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.22%
ROE	5.1%
ROIC	N/A

ROA(3y)0.14%

ROA(5y)0.14%

ROE(3y)3.14%

ROE(5y)3.15%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 5.50%, 1GLE is doing worse than 87.37% of the companies in the same industry.

In the last couple of years the Profit Margin of 1GLE has declined.

1GLE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	5.5%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.74%

PM growth 5Y-3.66%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.

1GLE has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for 1GLE has been reduced compared to 5 years ago.

Compared to 1 year ago, 1GLE has a worse debt to assets ratio.

2.2 Solvency

1GLE has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of 1GLE (1.09) is better than 71.58% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 124.91% over the past year.

Measured over the past 5 years, 1GLE shows a small growth in Earnings Per Share. The EPS has been growing by 7.46% on average per year.

Looking at the last year, 1GLE shows a quite strong growth in Revenue. The Revenue has grown by 14.46% in the last year.

The Revenue has been growing by 10.58% on average over the past years. This is quite good.

EPS 1Y (TTM)124.91%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%37.07%

Revenue 1Y (TTM)14.46%

Revenue growth 3Y15.81%

Revenue growth 5Y10.58%

Sales Q2Q%1.59%

3.2 Future

1GLE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.71% yearly.

1GLE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.98% yearly.

EPS Next Y41.93%

EPS Next 2Y28.34%

EPS Next 3Y24.9%

EPS Next 5Y8.71%

Revenue Next Year1.97%

Revenue Next 2Y2.32%

Revenue Next 3Y2.62%

Revenue Next 5Y2.98%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.73, the valuation of 1GLE can be described as very reasonable.

1GLE's Price/Earnings ratio is in line with the industry average.

1GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.

The Price/Forward Earnings ratio is 8.06, which indicates a very decent valuation of 1GLE.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1GLE indicates a rather cheap valuation: 1GLE is cheaper than 86.32% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.86. 1GLE is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	8.06

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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.

A more expensive valuation may be justified as 1GLE's earnings are expected to grow with 24.90% in the coming years.

PEG (NY)0.23

PEG (5Y)1.3

EPS Next 2Y28.34%

EPS Next 3Y24.9%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.08%, 1GLE has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.93, 1GLE's dividend is way lower than its industry peers. On top of this 88.42% of the companies listed in the same industry pay a better dividend than 1GLE!

1GLE's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.08%

5.2 History

The dividend of 1GLE decreases each year by -16.46%.

Dividend Growth(5Y)-16.46%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DPN/A

EPS Next 2Y28.34%

EPS Next 3Y24.9%

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SOCIETE GENERALE SA

BIT:1GLE (9/19/2025, 7:00:00 PM)

-0.96 (-1.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners39.01%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap45.54B

Analysts75.38

Price Target60.26 (3.9%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.08%

Yearly Dividend0.9

Dividend Growth(5Y)-16.46%

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)14.91%

Min EPS beat(2)13.7%

Max EPS beat(2)16.12%

EPS beat(4)4

Avg EPS beat(4)13.05%

Min EPS beat(4)8.57%

Max EPS beat(4)16.12%

EPS beat(8)5

Avg EPS beat(8)-0.08%

EPS beat(12)8

Avg EPS beat(12)8.46%

EPS beat(16)12

Avg EPS beat(16)28.39%

Revenue beat(2)2

Avg Revenue beat(2)0.55%

Min Revenue beat(2)0.31%

Max Revenue beat(2)0.78%

Revenue beat(4)4

Avg Revenue beat(4)1.5%

Min Revenue beat(4)0.31%

Max Revenue beat(4)2.8%

Revenue beat(8)6

Avg Revenue beat(8)0.44%

Revenue beat(12)9

Avg Revenue beat(12)46.85%

Revenue beat(16)13

Avg Revenue beat(16)69.05%

PT rev (1m)11.05%

PT rev (3m)27.92%

EPS NQ rev (1m)-1.11%

EPS NQ rev (3m)18.4%

EPS NY rev (1m)10.42%

EPS NY rev (3m)10.42%

Revenue NQ rev (1m)0.21%

Revenue NQ rev (3m)0.83%

Revenue NY rev (1m)0.81%

Revenue NY rev (3m)0.81%

Valuation

		Industry Rank	Sector Rank
PE	9.73
Fwd PE	8.06
P/S	0.72
P/FCF	N/A
P/OCF	N/A
P/B	0.67
P/tB	0.72
EV/EBITDA	N/A

EPS(TTM)5.96

EY10.28%

EPS(NY)7.2

Fwd EY12.41%

FCF(TTM)-59.68

FCFYN/A

OCF(TTM)-46.84

OCFYN/A

SpS80.6

BVpS86.98

TBVpS80.5

PEG (NY)0.23

PEG (5Y)1.3

Profitability

		Industry Rank	Sector Rank
ROA	0.22%
ROE	5.1%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.5%
GM	N/A
FCFM	N/A

ROA(3y)0.14%

ROA(5y)0.14%

ROE(3y)3.14%

ROE(5y)3.15%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.74%

PM growth 5Y-3.66%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	93.98%
Cap/Sales	15.93%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC5.35%

ROIC/WACCN/A

Cap/Depr(3y)148.86%

Cap/Depr(5y)134.31%

Cap/Sales(3y)21.21%

Cap/Sales(5y)19.05%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)124.91%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%37.07%

EPS Next Y41.93%

EPS Next 2Y28.34%

EPS Next 3Y24.9%

EPS Next 5Y8.71%

Revenue 1Y (TTM)14.46%

Revenue growth 3Y15.81%

Revenue growth 5Y10.58%

Sales Q2Q%1.59%

Revenue Next Year1.97%

Revenue Next 2Y2.32%

Revenue Next 3Y2.62%

Revenue Next 5Y2.98%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-201.85%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-167.82%

OCF growth 3YN/A

OCF growth 5YN/A

SOCIETE GENERALE SA (1GLE.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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