SOCIETE GENERALE SA (1GLE.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1GLE - FR0000130809 - Common Stock
56.46 EUR
-1.42 (-2.45%)
1GLE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. Both the profitability and financial health of 1GLE have multiple concerns. 1GLE has a decent growth rate and is not valued too expensively.
1. Profitability
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.
Of the past 5 years 1GLE 4 years were profitable.
Of the past 5 years 1GLE 4 years had a positive operating cash flow.
1.2 Ratios
1GLE has a worse Return On Assets (0.47%) than 68.52% of its industry peers.
1GLE has a Return On Equity (10.75%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| 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 9.37%, 1GLE is doing worse than 86.11% of the companies in the same industry.
1GLE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for 1GLE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| 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
2. Health
2.1 Basic Checks
1GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1GLE has about the same amount of shares outstanding.
The number of shares outstanding for 1GLE has been reduced compared to 5 years ago.
1GLE has a worse debt/assets ratio than last year.
2.2 Solvency
A Debt/Equity ratio of 1.09 is on the high side and indicates that 1GLE has dependencies on debt financing.
With a decent Debt to Equity ratio value of 1.09, 1GLE is doing good in the industry, outperforming 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 74.58% over the past year.
The Earnings Per Share has been growing slightly by 7.46% on average over the past years.
1GLE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.46%.
1GLE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.58% yearly.
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
3.2 Future
The Earnings Per Share is expected to grow by 8.91% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.02%
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 stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.03 indicates a reasonable valuation of 1GLE.
Compared to the rest of the industry, the Price/Earnings ratio of 1GLE indicates a rather cheap valuation: 1GLE is cheaper than 82.41% of the companies listed in the same industry.
1GLE is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 7.72, the valuation of 1GLE can be described as very cheap.
Based on the Price/Forward Earnings ratio, 1GLE is valued cheaply inside the industry as 91.67% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of 1GLE to the average of the S&P500 Index (36.12), we can say 1GLE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.03 | ||
| Fwd PE | 7.72 |
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 25.55% in the coming years.
PEG (NY)0.21
PEG (5Y)1.21
EPS Next 2Y29.33%
EPS Next 3Y25.55%
5. Dividend
5.1 Amount
1GLE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1GLE (11/18/2025, 7:00:00 PM)
56.46
-1.42 (-2.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.31%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap43.30B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts78.46
Price Target63.16 (11.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)2.06%
PT rev (3m)4.82%
EPS NQ rev (1m)1.21%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)1.1%
EPS NY rev (3m)1.48%
Revenue NQ rev (1m)-0.4%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.03 | ||
| Fwd PE | 7.72 | ||
| P/S | 0.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.63 | ||
| P/tB | 0.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY11.07%
EPS(NY)7.31
Fwd EY12.95%
FCF(TTM)-61.1
FCFYN/A
OCF(TTM)-47.95
OCFYN/A
SpS102.16
BVpS89.05
TBVpS82.42
PEG (NY)0.21
PEG (5Y)1.21
Graham Number111.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| 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
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 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.98% | ||
| Cap/Sales | 12.87% | ||
| 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
WACC5.44%
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)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
EPS Next Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.02%
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 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 for 1GLE stock?
ChartMill assigns a valuation rating of 6 / 10 to SOCIETE GENERALE SA (1GLE.MI). This can be considered as Fairly Valued.
How profitable is SOCIETE GENERALE SA (1GLE.MI) 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 9.03 and the Price/Book (PB) ratio is 0.63.
How financially healthy is SOCIETE GENERALE SA?
The financial health rating of SOCIETE GENERALE SA (1GLE.MI) is 1 / 10.