AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:AMUN - FR0004125920 - Common Stock
68.8 EUR
+0.4 (+0.58%)
Taking everything into account, AMUN scores 5 out of 10 in our fundamental rating. AMUN was compared to 120 industry peers in the Capital Markets industry. While AMUN belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. AMUN is cheap, but on the other hand it scores bad 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.
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
AMUN's Return On Assets of 6.08% is fine compared to the rest of the industry. AMUN outperforms 75.00% of its industry peers.
AMUN has a Return On Equity of 19.85%. This is in the better half of the industry: AMUN outperforms 79.17% of its industry peers.
With a decent Return On Invested Capital value of 5.43%, AMUN is doing good in the industry, outperforming 70.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AMUN is significantly below the industry average of 9.33%.
The last Return On Invested Capital (5.43%) for AMUN is above the 3 year average (3.64%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROIC | 5.43% |
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 Profit Margin of 28.33%. This is in the better half of the industry: AMUN outperforms 77.50% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
AMUN has a Operating Margin of 29.17%. This is in the better half of the industry: AMUN outperforms 70.83% of its industry peers.
In the last couple of years the Operating Margin of AMUN has remained more or less at the same level.
AMUN has a better Gross Margin (41.94%) than 62.50% of its industry peers.
In the last couple of years the Gross Margin of AMUN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.17% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% |
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.
The number of shares outstanding for AMUN has been increased compared to 5 years ago.
The debt/assets ratio for AMUN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.02, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.02, AMUN is in line with its industry, outperforming 54.17% of the companies in the same industry.
The Debt to FCF ratio of AMUN is 1.25, which is an excellent value as it means it would take AMUN, only 1.25 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AMUN (1.25) is better than 90.83% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, AMUN is in the better half of the industry, outperforming 70.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.02 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AMUN has a Current Ratio of 0.83. 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 has a Current ratio of 0.83. This is comparable to the rest of the industry: AMUN outperforms 50.83% of its industry peers.
AMUN has a Quick Ratio of 0.83. This is a bad value and indicates that AMUN is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.83, AMUN is in line with its industry, outperforming 51.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
AMUN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.48%.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.42%.
The Revenue has been growing slightly by 6.39% on average over the past years.
EPS 1Y (TTM)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
3.2 Future
The Earnings Per Share is expected to grow by 1.82% on average over the next years.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
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
With a Price/Earnings ratio of 10.42, the valuation of AMUN can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 82.50% of the companies listed in the same industry.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.57, which indicates a very decent valuation of AMUN.
90.83% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.
AMUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaper than 86.67% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 89.17% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.76 | ||
| EV/EBITDA | 5.01 |
4.3 Compensation for Growth
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y3.18%
EPS Next 3Y3.98%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 6.46%, which is a nice return.
Compared to an average industry Dividend Yield of 5.42, AMUN pays a better dividend. On top of this AMUN pays more dividend than 91.67% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPA:AMUN (11/27/2025, 4:06:51 PM)
68.8
+0.4 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.13B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts80
Price Target73.16 (6.34%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
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)0
Avg EPS beat(2)-8.4%
Min EPS beat(2)-8.89%
Max EPS beat(2)-7.91%
EPS beat(4)1
Avg EPS beat(4)-3.17%
Min EPS beat(4)-8.89%
Max EPS beat(4)4.99%
EPS beat(8)2
Avg EPS beat(8)-2.61%
EPS beat(12)6
Avg EPS beat(12)1.23%
EPS beat(16)9
Avg EPS beat(16)3.26%
Revenue beat(2)1
Avg Revenue beat(2)-3.18%
Min Revenue beat(2)-8.64%
Max Revenue beat(2)2.29%
Revenue beat(4)2
Avg Revenue beat(4)-1.7%
Min Revenue beat(4)-8.64%
Max Revenue beat(4)2.29%
Revenue beat(8)3
Avg Revenue beat(8)-1.65%
Revenue beat(12)7
Avg Revenue beat(12)22.37%
Revenue beat(16)11
Avg Revenue beat(16)51.34%
PT rev (1m)-6.14%
PT rev (3m)-6.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 9.57 | ||
| P/S | 1.68 | ||
| P/FCF | 7.76 | ||
| P/OCF | 7.42 | ||
| P/B | 1.18 | ||
| P/tB | 2.8 | ||
| EV/EBITDA | 5.01 |
EPS(TTM)6.6
EY9.59%
EPS(NY)7.19
Fwd EY10.45%
FCF(TTM)8.87
FCFY12.89%
OCF(TTM)9.27
OCFY13.47%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.32
Graham Number93.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROCE | 7.29% | ||
| ROIC | 5.43% | ||
| ROICexc | 5.74% | ||
| ROICexgc | 7.24% | ||
| OM | 29.17% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% | ||
| FCFM | 21.67% |
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%
ROICexgc growth 3Y-11.56%
ROICexgc 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 | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Debt/EBITDA | 0.89 | ||
| Cap/Depr | 78.31% | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.45% | ||
| Profit Quality | 76.48% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 1.02 |
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)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y4.46%
FCF growth 1Y48.28%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y47.74%
OCF growth 3Y-6.65%
OCF growth 5Y10.12%
AMUNDI SA / AMUN.PA FAQ
What is the ChartMill fundamental rating of AMUNDI SA (AMUN.PA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AMUN.PA.
Can you provide the valuation status for AMUNDI SA?
ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (AMUN.PA). This can be considered as Undervalued.
What is the profitability of AMUN stock?
AMUNDI SA (AMUN.PA) has a profitability rating of 7 / 10.
How financially healthy is AMUNDI SA?
The financial health rating of AMUNDI SA (AMUN.PA) is 4 / 10.
What is the expected EPS growth for AMUNDI SA (AMUN.PA) stock?
The Earnings per Share (EPS) of AMUNDI SA (AMUN.PA) is expected to decline by -3.37% in the next year.