AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - Euronext Paris - Matif - FR0004125920 - Common Stock - Currency: EUR
Taking everything into account, AMUN scores 5 out of 10 in our fundamental rating. AMUN was compared to 107 industry peers in the Capital Markets industry. While AMUN belongs to the best of the industry regarding profitability, there are concerns on its financial health. AMUN may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year AMUN was profitable.
AMUN had a positive operating cash flow in the past year.
In the past 5 years AMUN has always been profitable.
AMUN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 5.35%, AMUN is doing good in the industry, outperforming 73.83% of the companies in the same industry.
AMUN's Return On Equity of 17.06% is amongst the best of the industry. AMUN outperforms 82.24% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.44%, AMUN is in the better half of the industry, outperforming 72.90% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AMUN is below the industry average of 8.40%.
The 3 year average ROIC (3.64%) for AMUN is below the current ROIC(5.44%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.35% | ||
| ROE | 17.06% | ||
| ROIC | 5.44% |
ROA(3y)3.57%
ROA(5y)3.72%
ROE(3y)10.62%
ROE(5y)10.81%
ROIC(3y)3.64%
ROIC(5y)3.82%
1.3 Margins
AMUN has a better Profit Margin (25.13%) than 72.90% of its industry peers.
In the last couple of years the Profit Margin of AMUN has grown nicely.
AMUN has a better Operating Margin (29.86%) than 71.03% of its industry peers.
AMUN's Operating Margin has been stable in the last couple of years.
The Gross Margin of AMUN (43.26%) is better than 61.68% of its industry peers.
AMUN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.86% | ||
| PM (TTM) | 25.13% | ||
| GM | 43.26% |
OM growth 3Y-1.97%
OM growth 5Y-0.45%
PM growth 3Y-2.5%
PM growth 5Y1.73%
GM growth 3Y0.05%
GM growth 5Y-0.38%
2. Health
2.1 Basic Checks
AMUN has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, AMUN has more shares outstanding
The debt/assets ratio for AMUN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.03, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.03, AMUN perfoms like the industry average, outperforming 50.47% of the companies in the same industry.
AMUN has a debt to FCF ratio of 13.00. This is a negative value and a sign of low solvency as AMUN would need 13.00 years to pay back of all of its debts.
AMUN has a better Debt to FCF ratio (13.00) than 66.36% of its industry peers.
A Debt/Equity ratio of 1.65 is on the high side and indicates that AMUN has dependencies on debt financing.
AMUN has a Debt to Equity ratio (1.65) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1.03 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.72 indicates that AMUN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.72, AMUN is in line with its industry, outperforming 51.40% of the companies in the same industry.
AMUN has a Quick Ratio of 0.72. This is a bad value and indicates that AMUN is not financially healthy enough and could expect problems in meeting its short term obligations.
AMUN's Quick ratio of 0.72 is in line compared to the rest of the industry. AMUN outperforms 52.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.05% over the past year.
AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
The Revenue has grown by 8.18% in the past year. This is quite good.
The Revenue has been growing slightly by 6.39% on average over the past years.
EPS 1Y (TTM)10.05%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.52%
Revenue 1Y (TTM)8.18%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%10.68%
3.2 Future
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.97% yearly.
Based on estimates for the next years, AMUN will show a small growth in Revenue. The Revenue will grow by 2.52% on average per year.
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y4.97%
Revenue Next Year-1.25%
Revenue Next 2Y0.16%
Revenue Next 3Y1.56%
Revenue Next 5Y2.52%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.71, the valuation of AMUN can be described as reasonable.
AMUN's Price/Earnings ratio is rather cheap when compared to the industry. AMUN is cheaper than 80.37% of the companies in the same industry.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.62, the valuation of AMUN can be described as very reasonable.
87.85% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.
AMUN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.62 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of AMUN indicates a somewhat cheap valuation: AMUN is cheaper than 78.50% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaper than 89.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.66 | ||
| EV/EBITDA | 12.36 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AMUN does not grow enough to justify the current Price/Earnings ratio.
AMUN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.4
PEG (5Y)1.35
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 5.99%, which is a nice return.
Compared to an average industry Dividend Yield of 5.87, AMUN pays a better dividend. On top of this AMUN pays more dividend than 89.72% of the companies listed in the same industry.
AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPA:AMUN (7/14/2025, 5:29:51 PM)
71.525
+0.83 (+1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners10.49%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.69B
Analysts80
Price Target78.47 (9.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.05%
Min EPS beat(2)-0.88%
Max EPS beat(2)4.99%
EPS beat(4)2
Avg EPS beat(4)0.67%
Min EPS beat(4)-2.46%
Max EPS beat(4)4.99%
EPS beat(8)4
Avg EPS beat(8)1.22%
EPS beat(12)7
Avg EPS beat(12)3.91%
EPS beat(16)11
Avg EPS beat(16)7.03%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)0.87%
Revenue beat(4)2
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-1.31%
Max Revenue beat(4)1.02%
Revenue beat(8)4
Avg Revenue beat(8)-0.17%
Revenue beat(12)8
Avg Revenue beat(12)46.07%
Revenue beat(16)12
Avg Revenue beat(16)70.03%
PT rev (1m)0.6%
PT rev (3m)-1.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.71 | ||
| Fwd PE | 9.62 | ||
| P/S | 1.8 | ||
| P/FCF | 9.66 | ||
| P/OCF | 9.24 | ||
| P/B | 1.22 | ||
| P/tB | 2.93 | ||
| EV/EBITDA | 12.36 |
EPS(TTM)6.68
EY9.34%
EPS(NY)7.44
Fwd EY10.4%
FCF(TTM)7.41
FCFY10.36%
OCF(TTM)7.74
OCFY10.82%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)16.4
PEG (5Y)1.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.35% | ||
| ROE | 17.06% | ||
| ROCE | 7.3% | ||
| ROIC | 5.44% | ||
| ROICexc | 5.66% | ||
| ROICexgc | 7.15% | ||
| OM | 29.86% | ||
| PM (TTM) | 25.13% | ||
| GM | 43.26% | ||
| FCFM | 18.68% |
ROA(3y)3.57%
ROA(5y)3.72%
ROE(3y)10.62%
ROE(5y)10.81%
ROIC(3y)3.64%
ROIC(5y)3.82%
ROICexc(3y)3.73%
ROICexc(5y)3.91%
ROICexgc(3y)4.9%
ROICexgc(5y)5.23%
ROCE(3y)4.9%
ROCE(5y)5.22%
ROICexcg growth 3Y-11.56%
ROICexcg growth 5Y-4.06%
ROICexc growth 3Y-8.15%
ROICexc growth 5Y-2.32%
OM growth 3Y-1.97%
OM growth 5Y-0.45%
PM growth 3Y-2.5%
PM growth 5Y1.73%
GM growth 3Y0.05%
GM growth 5Y-0.38%
F-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Debt/EBITDA | 7.82 | ||
| Cap/Depr | 70.46% | ||
| Cap/Sales | 0.84% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 62.86% | ||
| Profit Quality | 74.32% | ||
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 | ||
| Altman-Z | 1.03 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)63.21%
Cap/Depr(5y)64.22%
Cap/Sales(3y)1.21%
Cap/Sales(5y)1.14%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.05%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.52%
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y4.97%
Revenue 1Y (TTM)8.18%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%10.68%
Revenue Next Year-1.25%
Revenue Next 2Y0.16%
Revenue Next 3Y1.56%
Revenue Next 5Y2.52%
EBIT growth 1Y-13.95%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year3.5%
EBIT Next 3Y4.33%
EBIT Next 5Y0.95%
FCF growth 1Y2.13%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y3.04%
OCF growth 3Y-6.65%
OCF growth 5Y10.12%