SOCIETE GENERALE SA (1GLE.MI) Fundamental Analysis & Valuation

BIT:1GLE • FR0000130809

Current stock price

65.44 EUR
-4.94 (-7.02%)
Last:

This 1GLE.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. 1GLE.MI Profitability Analysis

1.1 Basic Checks

  • 1GLE had positive earnings in the past year.
  • 1GLE had a negative operating cash flow in the past year.
  • Each year in the past 5 years 1GLE has been profitable.
  • In multiple years 1GLE reported negative operating cash flow during the last 5 years.
1GLE.MI Yearly Net Income VS EBIT VS OCF VS FCF1GLE.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B

1.2 Ratios

  • 1GLE has a Return On Assets of 0.52%. This is in the lower half of the industry: 1GLE underperforms 69.03% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.52%, 1GLE is in line with its industry, outperforming 53.98% of the companies in the same industry.
Industry RankSector Rank
ROA 0.52%
ROE 11.52%
ROIC N/A
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
ROIC(3y)N/A
ROIC(5y)N/A
1GLE.MI Yearly ROA, ROE, ROIC1GLE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.55%, 1GLE is doing worse than 87.61% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1GLE has grown nicely.
  • 1GLE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 13.55%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.68%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
1GLE.MI Yearly Profit, Operating, Gross Margins1GLE.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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1

2. 1GLE.MI Health Analysis

2.1 Basic Checks

  • 1GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for 1GLE has been reduced compared to 1 year ago.
  • Compared to 5 years ago, 1GLE has less shares outstanding
  • 1GLE has a better debt/assets ratio than last year.
1GLE.MI Yearly Shares Outstanding1GLE.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
1GLE.MI Yearly Total Debt VS Total Assets1GLE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • 1GLE has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
  • 1GLE's Debt to Equity ratio of 2.34 is on the low side compared to the rest of the industry. 1GLE is outperformed by 61.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.95%
1GLE.MI Yearly LT Debt VS Equity VS FCF1GLE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1GLE.MI Yearly Current Assets VS Current Liabilites1GLE.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. 1GLE.MI Growth Analysis

3.1 Past

  • 1GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.61%, which is quite impressive.
  • 1GLE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 82.06% yearly.
  • Looking at the last year, 1GLE shows a very negative growth in Revenue. The Revenue has decreased by -22.39% in the last year.
  • 1GLE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.55% yearly.
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.07% on average over the next years.
  • The Revenue is expected to grow by 3.30% on average over the next years.
EPS Next Y15.41%
EPS Next 2Y16.2%
EPS Next 3Y14.69%
EPS Next 5Y5.07%
Revenue Next Year2.97%
Revenue Next 2Y3.27%
Revenue Next 3Y3.3%
Revenue Next 5YN/A

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 decreasing: in the next years the growth will be less than in the last years.
1GLE.MI Yearly Revenue VS Estimates1GLE.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
1GLE.MI Yearly EPS VS Estimates1GLE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6 8 10

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5

4. 1GLE.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.62, the valuation of 1GLE can be described as reasonable.
  • 1GLE's Price/Earnings ratio is a bit cheaper when compared to the industry. 1GLE is cheaper than 70.80% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.73. 1GLE is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.34 indicates a reasonable valuation of 1GLE.
  • Based on the Price/Forward Earnings ratio, 1GLE is valued cheaper than 84.96% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.72, 1GLE is valued rather cheaply.
Industry RankSector Rank
PE 9.62
Fwd PE 8.34
1GLE.MI Price Earnings VS Forward Price Earnings1GLE.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1GLE.MI Per share data1GLE.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

4.3 Compensation for Growth

  • 1GLE's 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 14.69% in the coming years.
PEG (NY)0.62
PEG (5Y)0.12
EPS Next 2Y16.2%
EPS Next 3Y14.69%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. 1GLE.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.45%, 1GLE has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 2.45, 1GLE pays less dividend than the industry average, which is at 4.66. 84.07% of the companies listed in the same industry pay a better dividend than 1GLE!
  • Compared to an average S&P500 Dividend Yield of 1.91, 1GLE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.45%

5.2 History

  • The dividend of 1GLE decreases each year by -16.56%.
Dividend Growth(5Y)-16.56%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DPN/A
EPS Next 2Y16.2%
EPS Next 3Y14.69%
1GLE.MI Yearly Income VS Free CF VS Dividend1GLE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B

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1GLE.MI Fundamentals: All Metrics, Ratios and Statistics

SOCIETE GENERALE SA

BIT:1GLE (3/9/2026, 7:00:00 PM)

65.44

-4.94 (-7.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)04-30
Inst Owners48.22%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap49.19B
Revenue(TTM)59.64B
Net Income(TTM)8.08B
Analysts73.33
Price Target81.51 (24.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.45%
Yearly Dividend0.9
Dividend Growth(5Y)-16.56%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.21%
Min EPS beat(2)15.33%
Max EPS beat(2)25.08%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)13.7%
Max EPS beat(4)25.08%
EPS beat(8)7
Avg EPS beat(8)12.26%
EPS beat(12)8
Avg EPS beat(12)6.72%
EPS beat(16)12
Avg EPS beat(16)21.21%
Revenue beat(2)2
Avg Revenue beat(2)0.43%
Min Revenue beat(2)0.02%
Max Revenue beat(2)0.85%
Revenue beat(4)4
Avg Revenue beat(4)0.49%
Min Revenue beat(4)0.02%
Max Revenue beat(4)0.85%
Revenue beat(8)8
Avg Revenue beat(8)1.16%
Revenue beat(12)9
Avg Revenue beat(12)25.54%
Revenue beat(16)13
Avg Revenue beat(16)53.02%
PT rev (1m)11.52%
PT rev (3m)26.78%
EPS NQ rev (1m)0.38%
EPS NQ rev (3m)0.64%
EPS NY rev (1m)4.45%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)0.55%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)0.48%
Valuation
Industry RankSector Rank
PE 9.62
Fwd PE 8.34
P/S 0.82
P/FCF N/A
P/OCF N/A
P/B 0.7
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)6.8
EY10.39%
EPS(NY)7.85
Fwd EY11.99%
FCF(TTM)-38.59
FCFYN/A
OCF(TTM)-26.14
OCFYN/A
SpS79.34
BVpS93.31
TBVpS86.55
PEG (NY)0.62
PEG (5Y)0.12
Graham Number119.49
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.55%
GM N/A
FCFM N/A
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.68%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.34
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91%
Cap/Sales 15.7%
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-Score4
WACC5.95%
ROIC/WACCN/A
Cap/Depr(3y)119.42%
Cap/Depr(5y)131.27%
Cap/Sales(3y)18.05%
Cap/Sales(5y)18.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
EPS Next Y15.41%
EPS Next 2Y16.2%
EPS Next 3Y14.69%
EPS Next 5Y5.07%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
Revenue Next Year2.97%
Revenue Next 2Y3.27%
Revenue Next 3Y3.3%
Revenue Next 5YN/A
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-34.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-94.56%
OCF growth 3YN/A
OCF growth 5YN/A

SOCIETE GENERALE SA / 1GLE.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SOCIETE GENERALE SA (1GLE.MI) stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1GLE.MI.


Can you provide the valuation status for SOCIETE GENERALE SA?

ChartMill assigns a valuation rating of 5 / 10 to SOCIETE GENERALE SA (1GLE.MI). This can be considered as Fairly Valued.


What is the profitability of 1GLE stock?

SOCIETE GENERALE SA (1GLE.MI) has a profitability rating of 2 / 10.


What are the PE and PB ratios of SOCIETE GENERALE SA (1GLE.MI) stock?

The Price/Earnings (PE) ratio for SOCIETE GENERALE SA (1GLE.MI) is 9.62 and the Price/Book (PB) ratio is 0.7.


What is the earnings growth outlook for SOCIETE GENERALE SA?

The Earnings per Share (EPS) of SOCIETE GENERALE SA (1GLE.MI) is expected to grow by 15.41% in the next year.