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

BIT:1GLE - Euronext Milan - FR0000130809 - Common Stock - Currency: EUR

46.5  +12.15 (+35.37%)

Fundamental Rating

3

1GLE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. 1GLE may be in some trouble as it scores bad on both profitability and health. 1GLE is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

1GLE had positive earnings in the past year.
1GLE had a negative operating cash flow in the past year.
1GLE had positive earnings in 4 of the past 5 years.
1GLE had a positive operating cash flow in 4 of the past 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

1.2 Ratios

1GLE's Return On Assets of 0.33% is on the low side compared to the rest of the industry. 1GLE is outperformed by 82.11% of its industry peers.
1GLE has a worse Return On Equity (7.40%) than 60.00% of its industry peers.
Industry RankSector Rank
ROA 0.33%
ROE 7.4%
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
1GLE.MI Yearly ROA, ROE, ROIC1GLE.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6

1.3 Margins

1GLE has a Profit Margin of 6.76%. This is amonst the worse of the industry: 1GLE underperforms 85.26% of its industry peers.
In the last couple of years the Profit Margin of 1GLE has declined.
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) 6.76%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.75%
PM growth 5Y-3.67%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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1

2. Health

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 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, 1GLE has less shares outstanding
Compared to 1 year ago, 1GLE has a worse debt to assets ratio.
1GLE.MI Yearly Shares Outstanding1GLE.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
1GLE.MI Yearly Total Debt VS Total Assets1GLE.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 0.99 indicates that 1GLE is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.99, 1GLE is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.22%
1GLE.MI Yearly LT Debt VS Equity VS FCF1GLE.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

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5

3. Growth

3.1 Past

1GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.38%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.46% on average over the past years.
1GLE shows a strong growth in Revenue. In the last year, the Revenue has grown by 50.27%.
Measured over the past years, 1GLE shows a quite strong growth in Revenue. The Revenue has been growing by 10.60% on average per year.
EPS 1Y (TTM)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
Revenue 1Y (TTM)50.27%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%

3.2 Future

1GLE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.94% yearly.
The Revenue is expected to grow by 2.23% on average over the next years.
EPS Next Y28.17%
EPS Next 2Y23.62%
EPS Next 3Y21.52%
EPS Next 5Y4.94%
Revenue Next Year0.59%
Revenue Next 2Y1.85%
Revenue Next 3Y2.23%
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
1GLE.MI Yearly EPS VS Estimates1GLE.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.64, the valuation of 1GLE can be described as very reasonable.
1GLE's Price/Earnings ratio is a bit more expensive when compared to the industry. 1GLE is more expensive than 66.32% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1GLE to the average of the S&P500 Index (28.10), we can say 1GLE is valued rather cheaply.
A Price/Forward Earnings ratio of 8.30 indicates a reasonable valuation of 1GLE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1GLE indicates a somewhat cheap valuation: 1GLE is cheaper than 66.32% of the companies listed in the same industry.
1GLE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.74.
Industry RankSector Rank
PE 10.64
Fwd PE 8.3
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.
1GLE's earnings are expected to grow with 21.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)1.43
EPS Next 2Y23.62%
EPS Next 3Y21.52%

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2

5. Dividend

5.1 Amount

1GLE has a Yearly Dividend Yield of 3.01%.
Compared to an average industry Dividend Yield of 5.30, 1GLE's dividend is way lower than its industry peers. On top of this 83.16% of the companies listed in the same industry pay a better dividend than 1GLE!
Compared to an average S&P500 Dividend Yield of 2.43, 1GLE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.01%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DPN/A
EPS Next 2Y23.62%
EPS Next 3Y21.52%
1GLE.MI Yearly Income VS Free CF VS Dividend1GLE.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

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SOCIETE GENERALE SA

BIT:1GLE (5/2/2025, 7:00:00 PM)

46.5

+12.15 (+35.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2025-02-06/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners42.23%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap37.21B
Analysts77.69
Price Target43.48 (-6.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.2%
Min EPS beat(2)8.57%
Max EPS beat(2)13.83%
EPS beat(4)3
Avg EPS beat(4)6.97%
Min EPS beat(4)-3.93%
Max EPS beat(4)13.83%
EPS beat(8)4
Avg EPS beat(8)1.29%
EPS beat(12)8
Avg EPS beat(12)22.43%
EPS beat(16)12
Avg EPS beat(16)45.24%
Revenue beat(2)2
Avg Revenue beat(2)2.45%
Min Revenue beat(2)2.11%
Max Revenue beat(2)2.8%
Revenue beat(4)4
Avg Revenue beat(4)1.83%
Min Revenue beat(4)0.62%
Max Revenue beat(4)2.8%
Revenue beat(8)5
Avg Revenue beat(8)38.07%
Revenue beat(12)9
Avg Revenue beat(12)70.54%
Revenue beat(16)13
Avg Revenue beat(16)84.09%
PT rev (1m)9.11%
PT rev (3m)36.51%
EPS NQ rev (1m)24.79%
EPS NQ rev (3m)39.81%
EPS NY rev (1m)3.17%
EPS NY rev (3m)11.82%
Revenue NQ rev (1m)3.46%
Revenue NQ rev (3m)4.44%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 10.64
Fwd PE 8.3
P/S 0.48
P/FCF N/A
P/OCF N/A
P/B 0.53
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)4.37
EY9.4%
EPS(NY)5.6
Fwd EY12.05%
FCF(TTM)-26.9
FCFYN/A
OCF(TTM)-12.62
OCFYN/A
SpS96.03
BVpS87.78
TBVpS81.43
PEG (NY)0.38
PEG (5Y)1.43
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 7.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.76%
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-23.75%
PM growth 5Y-3.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 113.36%
Cap/Sales 14.88%
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-Score5
WACC5.22%
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)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
EPS Next Y28.17%
EPS Next 2Y23.62%
EPS Next 3Y21.52%
EPS Next 5Y4.94%
Revenue 1Y (TTM)50.27%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%
Revenue Next Year0.59%
Revenue Next 2Y1.85%
Revenue Next 3Y2.23%
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-184.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-126.98%
OCF growth 3YN/A
OCF growth 5YN/A