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

BIT:1GLE • FR0000130809

Current stock price

66 EUR
+0.56 (+0.86%)
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.
  • In the past year 1GLE has reported a negative cash flow from operations.
  • 1GLE had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1GLE reported negative operating cash flow in multiple 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

  • With a Return On Assets value of 0.52%, 1GLE is not doing good in the industry: 65.09% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 11.52%, 1GLE is in line with its industry, outperforming 56.60% 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

  • With a Profit Margin value of 10.34%, 1GLE is not doing good in the industry: 88.68% of the companies in the same industry are doing better.
  • 1GLE's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for 1GLE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.34%
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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2

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.
  • 1GLE has less shares outstanding than it did 1 year ago.
  • 1GLE has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1GLE has an improved debt to assets ratio.
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 0.94. This is a neutral value indicating 1GLE is somewhat dependend on debt financing.
  • 1GLE has a better Debt to Equity ratio (0.94) than 67.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.9%
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

  • The Earnings Per Share has grown by an impressive 55.61% over the past year.
  • The Earnings Per Share has been growing by 82.06% on average over the past years. This is a very strong growth
  • Looking at the last year, 1GLE shows a small growth in Revenue. The Revenue has grown by 1.68% in the last year.
  • The Revenue has been growing by 12.55% on average over the past years. This is quite good.
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
Revenue 1Y (TTM)1.68%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%

3.2 Future

  • Based on estimates for the next years, 1GLE will show a small growth in Earnings Per Share. The EPS will grow by 5.07% on average per year.
  • Based on estimates for the next years, 1GLE will show a small growth in Revenue. The Revenue will grow by 3.30% on average per year.
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

  • The Price/Earnings ratio is 9.71, which indicates a very decent valuation of 1GLE.
  • Based on the Price/Earnings ratio, 1GLE is valued a bit cheaper than the industry average as 71.70% of the companies are valued more expensively.
  • 1GLE is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.41, the valuation of 1GLE can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, 1GLE is valued cheaply inside the industry as 88.68% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.68. 1GLE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.71
Fwd PE 8.41
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 50 100

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)0.63
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

4

5. 1GLE.MI Dividend Analysis

5.1 Amount

  • 1GLE has a Yearly Dividend Yield of 2.53%.
  • Compared to an average industry Dividend Yield of 4.88, 1GLE's dividend is way lower than its industry peers. On top of this 85.85% of the companies listed in the same industry pay a better dividend than 1GLE!
  • 1GLE's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.53%

5.2 History

  • The dividend of 1GLE is nicely growing with an annual growth rate of 9.40%!
Dividend Growth(5Y)9.4%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 1GLE pays out 16.27% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of 1GLE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.27%
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
1GLE.MI Dividend Payout.1GLE.MI Dividend Payout, showing the Payout Ratio.1GLE.MI Dividend Payout.PayoutRetained Earnings

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

SOCIETE GENERALE SA

BIT:1GLE (4/1/2026, 7:00:00 PM)

66

+0.56 (+0.86%)

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 Cap49.61B
Revenue(TTM)78.14B
Net Income(TTM)8.08B
Analysts73.33
Price Target81.51 (23.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.53%
Yearly Dividend1.69
Dividend Growth(5Y)9.4%
DP16.27%
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)1.79%
EPS NQ rev (3m)2.06%
EPS NY rev (1m)4.45%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)1.02%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0.48%
Revenue NY rev (3m)0.48%
Valuation
Industry RankSector Rank
PE 9.71
Fwd PE 8.41
P/S 0.63
P/FCF N/A
P/OCF N/A
P/B 0.71
P/tB 0.76
EV/EBITDA N/A
EPS(TTM)6.8
EY10.3%
EPS(NY)7.85
Fwd EY11.89%
FCF(TTM)-38.59
FCFYN/A
OCF(TTM)-26.14
OCFYN/A
SpS103.95
BVpS93.31
TBVpS86.55
PEG (NY)0.63
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) 10.34%
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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91%
Cap/Sales 11.98%
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
WACC5.9%
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)1.68%
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.


What is the valuation status of SOCIETE GENERALE SA (1GLE.MI) stock?

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


Can you provide the profitability details for SOCIETE GENERALE SA?

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 9.71 and the Price/Book (PB) ratio is 0.71.


Can you provide the dividend sustainability for 1GLE stock?

The dividend rating of SOCIETE GENERALE SA (1GLE.MI) is 4 / 10 and the dividend payout ratio is 16.27%.