AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - FR0004125920 - Common Stock
62.75 EUR
-0.4 (-0.63%)
AMUN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 112 industry peers in the Capital Markets industry. AMUN has an excellent profitability rating, 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
AMUN had positive earnings in the past year.
AMUN had a positive operating cash flow in the past year.
AMUN had positive earnings in each of the past 5 years.
Of the past 5 years AMUN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 6.08%, AMUN is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
AMUN's Return On Equity of 19.85% is amongst the best of the industry. AMUN outperforms 83.04% of its industry peers.
The Return On Invested Capital of AMUN (5.43%) is better than 74.11% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AMUN is below the industry average of 8.38%.
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
With a decent Profit Margin value of 28.33%, AMUN is doing good in the industry, outperforming 77.68% of the companies in the same industry.
In the last couple of years the Profit Margin of AMUN has grown nicely.
AMUN's Operating Margin of 29.17% is fine compared to the rest of the industry. AMUN outperforms 71.43% of its industry peers.
In the last couple of years the Operating Margin of AMUN has remained more or less at the same level.
Looking at the Gross Margin, with a value of 41.94%, AMUN is in the better half of the industry, outperforming 62.50% 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) | 28.33% | ||
| 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.
Compared to 5 years ago, AMUN has more shares outstanding
Compared to 1 year ago, AMUN has an improved debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 1.00, AMUN is in line with its industry, outperforming 54.46% of the companies in the same industry.
AMUN has a debt to FCF ratio of 1.25. This is a very positive value and a sign of high solvency as it would only need 1.25 years to pay back of 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 90.18% of the companies in the same industry.
AMUN has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.19, AMUN is doing good in the industry, outperforming 70.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.83, AMUN is in line with its industry, outperforming 53.57% 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 6.28%.
AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.39%.
AMUN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.39% yearly.
EPS 1Y (TTM)6.28%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.68%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
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 1.67% on average per year.
AMUN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.91% yearly.
EPS Next Y-2.64%
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPS Next 5Y1.67%
Revenue Next Year-3.15%
Revenue Next 2Y-0.76%
Revenue Next 3Y1.02%
Revenue Next 5Y2.91%
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
AMUN is valuated reasonably with a Price/Earnings ratio of 9.51.
Based on the Price/Earnings ratio, AMUN is valued cheaper than 84.82% of the companies in the same industry.
AMUN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
Based on the Price/Forward Earnings ratio of 8.72, the valuation of AMUN can be described as reasonable.
Based on the Price/Forward Earnings ratio, AMUN is valued cheaply inside the industry as 94.64% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.76. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 8.72 |
4.2 Price Multiples
AMUN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AMUN is cheaper than 88.39% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 90.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.08 | ||
| EV/EBITDA | 4.59 |
4.3 Compensation for Growth
AMUN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.2
EPS Next 2Y3.24%
EPS Next 3Y4.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.68%, AMUN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.88, AMUN pays a better dividend. On top of this AMUN pays more dividend than 91.07% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPA:AMUN (9/1/2025, 10:26:40 AM)
62.75
-0.4 (-0.63%)
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 Cap12.89B
Analysts80
Price Target77.94 (24.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.68% |
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)-2.71%
PT rev (3m)0.76%
EPS NQ rev (1m)-4.78%
EPS NQ rev (3m)-9.97%
EPS NY rev (1m)-3.27%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)-3.89%
Revenue NQ rev (3m)-9.51%
Revenue NY rev (1m)-2.71%
Revenue NY rev (3m)-1.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.51 | ||
| Fwd PE | 8.72 | ||
| P/S | 1.53 | ||
| P/FCF | 7.08 | ||
| P/OCF | 6.77 | ||
| P/B | 1.07 | ||
| P/tB | 2.55 | ||
| EV/EBITDA | 4.59 |
EPS(TTM)6.6
EY10.52%
EPS(NY)7.19
Fwd EY11.47%
FCF(TTM)8.87
FCFY14.13%
OCF(TTM)9.27
OCFY14.77%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.2
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%
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 | 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 |
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 Y-2.64%
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPS Next 5Y1.67%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-3.15%
Revenue Next 2Y-0.76%
Revenue Next 3Y1.02%
Revenue Next 5Y2.91%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year3.5%
EBIT Next 3Y4.33%
EBIT Next 5Y4.35%
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%