AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - Euronext Paris - Matif - FR0004125920 - Common Stock - Currency: EUR
Overall AMUN gets a fundamental rating of 5 out of 10. We evaluated AMUN against 109 industry peers in the Capital Markets industry. AMUN has an excellent profitability rating, 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.
AMUN had a positive operating cash flow in the past year.
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 better Return On Assets (5.35%) than 75.23% of its industry peers.
AMUN's Return On Equity of 17.06% is fine compared to the rest of the industry. AMUN outperforms 79.82% of its industry peers.
With a decent Return On Invested Capital value of 5.44%, AMUN is doing good in the industry, outperforming 71.56% 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 8.51%.
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
With a decent Profit Margin value of 25.13%, AMUN is doing good in the industry, outperforming 70.64% of the companies in the same industry.
AMUN's Profit Margin has improved in the last couple of years.
The Operating Margin of AMUN (29.86%) is better than 68.81% of its industry peers.
AMUN's Operating Margin has been stable in the last couple of years.
Looking at the Gross Margin, with a value of 43.26%, AMUN is in the better half of the industry, outperforming 62.39% 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
Compared to 1 year ago, AMUN has about the same amount of shares outstanding.
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 1.00. 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 of 1.00. This is comparable to the rest of the industry: AMUN outperforms 54.13% of its industry peers.
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 Debt to FCF ratio of 13.00. This is in the better half of the industry: AMUN outperforms 65.14% 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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1 |
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.
AMUN has a Current ratio (0.72) which is in line with its industry peers.
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.
The Quick ratio of AMUN (0.72) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.28% over the past year.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
The Revenue has grown by 107.63% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 6.39% on average over the past years.
EPS 1Y (TTM)6.28%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.68%
Revenue 1Y (TTM)107.63%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
3.2 Future
The Earnings Per Share is expected to grow by 4.97% on average over the next years.
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 5Y4.97%
Revenue Next Year-0.45%
Revenue Next 2Y0.78%
Revenue Next 3Y2.06%
Revenue Next 5Y2.52%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 9.85 indicates a reasonable valuation of AMUN.
AMUN's Price/Earnings ratio is rather cheap when compared to the industry. AMUN is cheaper than 81.65% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.24. AMUN is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.74 indicates a reasonable valuation of AMUN.
AMUN's Price/Forward Earnings ratio is rather cheap when compared to the industry. AMUN is cheaper than 90.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.42. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 8.74 |
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 77.06% of the companies listed 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 87.16% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.77 | ||
| EV/EBITDA | 11.87 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)15.08
PEG (5Y)1.24
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 6.53%, which is a nice return.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.77. AMUN pays more dividend than 90.83% 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 | 6.53% |
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 (8/5/2025, 5:29:57 PM)
65
+0.4 (+0.62%)
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 Cap13.35B
Analysts80
Price Target80.12 (23.26%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.53% |
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)2.1%
PT rev (3m)4.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 8.74 | ||
| P/S | 1.64 | ||
| P/FCF | 8.77 | ||
| P/OCF | 8.4 | ||
| P/B | 1.11 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | 11.87 |
EPS(TTM)6.6
EY10.15%
EPS(NY)7.44
Fwd EY11.44%
FCF(TTM)7.41
FCFY11.4%
OCF(TTM)7.74
OCFY11.91%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)15.08
PEG (5Y)1.24
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 |
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)6.28%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.68%
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y4.97%
Revenue 1Y (TTM)107.63%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-0.45%
Revenue Next 2Y0.78%
Revenue Next 3Y2.06%
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%