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 114 industry peers in the Capital Markets industry. AMUN scores excellent on profitability, but 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.
In the past year AMUN had a positive cash flow from operations.
AMUN had positive earnings in each of the past 5 years.
AMUN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of AMUN (5.35%) is better than 77.19% of its industry peers.
The Return On Equity of AMUN (17.06%) is better than 83.33% 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 73.68% 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 8.01%.
The last Return On Invested Capital (5.44%) for AMUN is above the 3 year average (3.64%), which is a sign of increasing profitability.
| 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
The Profit Margin of AMUN (25.13%) is better than 73.68% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 29.86%, AMUN is in the better half of the industry, outperforming 71.93% of the companies in the same industry.
In the last couple of years the Operating Margin of AMUN has remained more or less at the same level.
With a decent Gross Margin value of 43.26%, AMUN is doing good in the industry, outperforming 63.16% of the companies in the same industry.
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.
AMUN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AMUN has an improved debt to assets ratio.
2.2 Solvency
AMUN has an Altman-Z score of 1.04. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.04, AMUN perfoms like the industry average, outperforming 57.02% of the companies in the same industry.
The Debt to FCF ratio of AMUN is 13.00, which is on the high side as it means it would take AMUN, 13.00 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 13.00, AMUN is doing good in the industry, outperforming 65.79% of the companies in the same industry.
A Debt/Equity ratio of 1.65 is on the high side and indicates that AMUN has dependencies on debt financing.
The Debt to Equity ratio of AMUN (1.65) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1.04 |
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.
AMUN has a Current ratio (0.72) which is comparable to the rest of the industry.
A Quick Ratio of 0.72 indicates that AMUN may have some problems paying its short term obligations.
AMUN has a Quick ratio of 0.72. This is comparable to the rest of the industry: AMUN outperforms 57.02% 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.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
Looking at the last year, AMUN shows a very strong growth in Revenue. The Revenue has grown by 107.63%.
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)107.63%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%10.68%
3.2 Future
Based on estimates for the next years, AMUN will show a small growth in Earnings Per Share. The EPS will grow by 4.43% on average per year.
AMUN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.52% yearly.
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y4.43%
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.
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 10.89 indicates a reasonable valuation of AMUN.
AMUN's Price/Earnings ratio is a bit cheaper when compared to the industry. AMUN is cheaper than 79.82% of the companies in the same industry.
AMUN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.19.
Based on the Price/Forward Earnings ratio of 9.78, the valuation of AMUN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 85.09% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AMUN to the average of the S&P500 Index (22.13), we can say AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
AMUN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. AMUN is cheaper than 79.82% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 86.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.82 | ||
| EV/EBITDA | 12.5 |
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.
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)16.68
PEG (5Y)1.37
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 5.74%, which is a nice return.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.98. AMUN pays more dividend than 90.35% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPA:AMUN (5/30/2025, 2:03:35 PM)
72.75
+0.4 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners12%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.94B
Analysts80
Price Target77.36 (6.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.74% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years3
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)-2.79%
PT rev (3m)-1.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.25%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.75%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)-3.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.89 | ||
| Fwd PE | 9.78 | ||
| P/S | 1.83 | ||
| P/FCF | 9.82 | ||
| P/OCF | 9.4 | ||
| P/B | 1.25 | ||
| P/tB | 2.98 | ||
| EV/EBITDA | 12.5 |
EPS(TTM)6.68
EY9.18%
EPS(NY)7.44
Fwd EY10.22%
FCF(TTM)7.41
FCFY10.18%
OCF(TTM)7.74
OCFY10.64%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)16.68
PEG (5Y)1.37
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 | 1.04 |
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 5Y4.43%
Revenue 1Y (TTM)107.63%
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 5Y1.69%
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%