AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - Euronext Paris - Matif - FR0004125920 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to AMUN. AMUN was compared to 110 industry peers in the Capital Markets industry. While AMUN belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on AMUN.
1. Profitability
1.1 Basic Checks
AMUN had positive earnings in the past year.
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 Return On Assets of 5.35%. This is in the better half of the industry: AMUN outperforms 77.27% 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 83.64% of the companies in the same industry.
The Return On Invested Capital of AMUN (5.44%) is better than 73.64% of its industry peers.
AMUN had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 7.99%.
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
AMUN's Profit Margin of 25.13% is fine compared to the rest of the industry. AMUN outperforms 74.55% 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 72.73% of the companies in the same industry.
AMUN's Operating Margin has been stable in the last couple of years.
AMUN's Gross Margin of 43.26% is fine compared to the rest of the industry. AMUN outperforms 63.64% 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 | 29.86% | ||
| 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 1.01. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
AMUN's Altman-Z score of 1.01 is in line compared to the rest of the industry. AMUN outperforms 52.73% of its industry peers.
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 69.09% 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.
Looking at the Debt to Equity ratio, with a value of 1.65, AMUN is in line with its industry, outperforming 42.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1.01 |
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's Current ratio of 0.72 is in line compared to the rest of the industry. AMUN outperforms 53.64% of its industry peers.
A Quick Ratio of 0.72 indicates that AMUN may have some problems paying its short term obligations.
With a Quick ratio value of 0.72, AMUN perfoms like the industry average, outperforming 54.55% of the companies in the same industry.
| 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.
AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
Looking at the last year, AMUN shows a quite strong growth in Revenue. The Revenue has grown by 8.18% in the last year.
AMUN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.39% yearly.
EPS 1Y (TTM)10.05%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.52%
Revenue 1Y (TTM)8.18%
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 5.05% on average per year.
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 5Y5.05%
Revenue Next Year-1.25%
Revenue Next 2Y0.16%
Revenue Next 3Y1.56%
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 9.99 indicates a reasonable valuation of AMUN.
81.82% of the companies in the same industry are more expensive than AMUN, based on the Price/Earnings ratio.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.97, which indicates a very decent 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 88.18% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued a bit cheaper than 78.18% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9 | ||
| EV/EBITDA | 12.04 |
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)15.29
PEG (5Y)1.26
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 6.24%, which is a nice return.
Compared to an average industry Dividend Yield of 4.96, AMUN pays a better dividend. On top of this AMUN pays more dividend than 90.91% of the companies listed 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 | 6.24% |
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 (6/19/2025, 7:00:00 PM)
66.7
-0.6 (-0.89%)
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 Cap13.70B
Analysts80
Price Target78 (16.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
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)0.83%
PT rev (3m)-1.07%
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%
Revenue NY rev (3m)-3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 8.97 | ||
| P/S | 1.68 | ||
| P/FCF | 9 | ||
| P/OCF | 8.62 | ||
| P/B | 1.14 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | 12.04 |
EPS(TTM)6.68
EY10.01%
EPS(NY)7.44
Fwd EY11.15%
FCF(TTM)7.41
FCFY11.11%
OCF(TTM)7.74
OCFY11.61%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)15.29
PEG (5Y)1.26
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 | 1.01 |
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 5Y5.05%
Revenue 1Y (TTM)8.18%
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 5Y1.4%
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%