AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - Euronext Paris - Matif - FR0004125920 - Common Stock - Currency: EUR
AMUN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 114 industry peers in the Capital Markets industry. AMUN scores excellent on profitability, but there are concerns on its financial health. AMUN is valued quite cheap, while showing a decent growth score. This is a good combination!
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.
Each year in the past 5 years AMUN has been profitable.
Of the past 5 years AMUN 4 years had a positive operating cash flow.
1.2 Ratios
AMUN has a Return On Assets of 5.35%. This is in the better half of the industry: AMUN outperforms 77.19% of its industry peers.
Looking at the Return On Equity, with a value of 17.06%, AMUN belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
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.
AMUN had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 8.01%.
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
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.
The Operating Margin of AMUN (29.86%) is better than 71.93% 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 63.16% 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.
AMUN has more shares outstanding than it did 5 years ago.
AMUN has a better debt/assets ratio than last year.
2.2 Solvency
AMUN has an Altman-Z score of 1.05. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of AMUN (1.05) is comparable to the rest of the 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.
AMUN has a Debt/Equity ratio of 1.65. This is a high value indicating a heavy dependency on external 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 | 1.05 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AMUN has a Current 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.
The Current ratio of AMUN (0.72) 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 (0.72) which is in line with 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.
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.
AMUN shows a strong growth in Revenue. In the last year, 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
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.43% yearly.
The Revenue is expected to grow by 2.52% on average over the next years.
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.
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
The Price/Earnings ratio is 10.84, which indicates a very decent 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.
Compared to an average S&P500 Price/Earnings ratio of 26.17, AMUN is valued rather cheaply.
A Price/Forward Earnings ratio of 9.73 indicates a reasonable valuation of AMUN.
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 (22.10), we can say AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.84 | ||
| Fwd PE | 9.73 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued a bit cheaper than 79.82% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 86.84% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.77 | ||
| EV/EBITDA | 12.61 |
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)16.6
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.
AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| 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 (5/28/2025, 7:00:00 PM)
72.4
-1.3 (-1.76%)
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 Cap14.87B
Analysts80
Price Target77.36 (6.85%)
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 | 10.84 | ||
| Fwd PE | 9.73 | ||
| P/S | 1.83 | ||
| P/FCF | 9.77 | ||
| P/OCF | 9.35 | ||
| P/B | 1.24 | ||
| P/tB | 2.96 | ||
| EV/EBITDA | 12.61 |
EPS(TTM)6.68
EY9.23%
EPS(NY)7.44
Fwd EY10.27%
FCF(TTM)7.41
FCFY10.23%
OCF(TTM)7.74
OCFY10.69%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)16.6
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 | 1.05 |
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%