AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe • Euronext Paris • EPA:AMUN • FR0004125920
80.35 EUR
+1.65 (+2.1%)
Last: Feb 4, 2026, 05:36 PM
AMUN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 119 industry peers in the Capital Markets industry. AMUN scores excellent on profitability, but 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.
- 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
- AMUN has a better Return On Assets (6.08%) than 76.47% of its industry peers.
- Looking at the Return On Equity, with a value of 19.85%, AMUN belongs to the top of the industry, outperforming 80.67% of the companies in the same industry.
- With a decent Return On Invested Capital value of 5.43%, AMUN is doing good in the industry, outperforming 71.43% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for AMUN is significantly below the industry average of 8.69%.
- 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 better Profit Margin (28.32%) than 75.63% of its industry peers.
- AMUN's Profit Margin has improved in the last couple of years.
- AMUN has a better Operating Margin (29.17%) than 69.75% of its industry peers.
- 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 41.94%, AMUN is doing good in the industry, outperforming 60.50% 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 | 29.17% | ||
| PM (TTM) | 28.32% | ||
| 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
- The number of shares outstanding for AMUN remains at a similar level compared to 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
- AMUN has an Altman-Z score of 1.07. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
- AMUN has a Altman-Z score (1.07) which is in line with its industry peers.
- 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.
- Looking at the Debt to FCF ratio, with a value of 1.25, AMUN belongs to the top of the industry, outperforming 89.92% of the companies in the same industry.
- A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
- AMUN has a Debt to Equity ratio of 0.19. This is in the better half of the industry: AMUN outperforms 72.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.07 |
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.
- Looking at the Current ratio, with a value of 0.83, AMUN is in line with its industry, outperforming 51.26% of the companies in the same industry.
- 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.
- The Quick ratio of AMUN (0.83) is comparable to the rest of the 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%.
- Measured over the past 5 years, AMUN shows a small growth in Earnings Per Share. The EPS has been growing by 7.93% on average per year.
- The Revenue has been growing slightly by 5.16% in the past year.
- Measured over the past years, AMUN shows a small growth in Revenue. The Revenue has been growing by 6.39% on average per year.
EPS 1Y (TTM)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
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 0.73% on average per year.
- The Revenue is expected to grow by 1.14% on average over the next years.
EPS Next Y-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPS Next 5Y0.73%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- The Price/Earnings ratio is 12.17, which indicates a correct valuation of AMUN.
- 83.19% of the companies in the same industry are more expensive than AMUN, based on the Price/Earnings ratio.
- AMUN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
- With a Price/Forward Earnings ratio of 11.19, the valuation of AMUN can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 87.39% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaply inside the industry as 89.92% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 89.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.11 | ||
| EV/EBITDA | 5.86 |
4.3 Compensation for Growth
- The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.54
EPS Next 2Y3.16%
EPS Next 3Y3.76%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.68%, AMUN is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.02, AMUN pays a better dividend. On top of this AMUN pays more dividend than 89.08% 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPA:AMUN (2/4/2026, 5:36:15 PM)
80.35
+1.65 (+2.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners79.3%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.58B
Revenue(TTM)8.34B
Net Income(TTM)2.38B
Analysts77
Price Target76.81 (-4.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)2.96%
PT rev (3m)-1.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.17 | ||
| Fwd PE | 11.19 | ||
| P/S | 1.97 | ||
| P/FCF | 9.11 | ||
| P/OCF | 8.71 | ||
| P/B | 1.38 | ||
| P/tB | 3.29 | ||
| EV/EBITDA | 5.86 |
EPS(TTM)6.6
EY8.21%
EPS(NY)7.18
Fwd EY8.94%
FCF(TTM)8.82
FCFY10.98%
OCF(TTM)9.22
OCFY11.48%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.54
Graham Number92.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROCE | 7.29% | ||
| ROIC | 5.43% | ||
| ROICexc | 5.74% | ||
| ROICexgc | 7.25% | ||
| OM | 29.17% | ||
| PM (TTM) | 28.32% | ||
| GM | 41.94% | ||
| FCFM | 21.66% |
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 | 78.57% | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.41% | ||
| Profit Quality | 76.46% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 1.07 |
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-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPS Next 5Y0.73%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%
EBIT growth 1Y-16.2%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year1.39%
EBIT Next 3Y2.13%
EBIT Next 5Y1.83%
FCF growth 1Y48.2%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y47.68%
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.
What is the valuation status of AMUNDI SA (AMUN.PA) stock?
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.
What is the financial health of AMUNDI SA (AMUN.PA) stock?
The financial health rating of AMUNDI SA (AMUN.PA) is 4 / 10.
What is the earnings growth outlook for AMUNDI SA?
The Earnings per Share (EPS) of AMUNDI SA (AMUN.PA) is expected to decline by -1.63% in the next year.