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. While AMUN belongs to the best of the industry regarding profitability, 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.
In the past 5 years AMUN has always 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 78.07% of its industry peers.
With an excellent Return On Equity value of 17.06%, AMUN belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.44%, AMUN is doing good in the industry, outperforming 74.56% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AMUN is below the industry average of 8.01%.
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
Looking at the Profit Margin, with a value of 25.13%, AMUN is in the better half of the industry, outperforming 74.56% of the companies in the same industry.
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 72.81% of the companies in the same industry.
AMUN's Operating Margin has been stable in the last couple of years.
The Gross Margin of AMUN (43.26%) is better than 64.04% 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
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.
The debt/assets ratio for AMUN has been reduced compared to a year ago.
2.2 Solvency
AMUN has an Altman-Z score of 1.05. 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 1.05. This is comparable to the rest of the industry: AMUN outperforms 56.14% 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.
AMUN has a better Debt to FCF ratio (13.00) than 66.67% of its industry peers.
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 comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1.05 |
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 56.14% of 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.
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
AMUN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.05%, which is quite good.
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.
Looking at the last year, AMUN shows a very strong growth in Revenue. 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.
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 11.06.
Compared to the rest of the industry, the Price/Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 80.70% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.35. AMUN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.94, the valuation of AMUN can be described as very reasonable.
Based on the Price/Forward Earnings ratio, AMUN is valued cheaply inside the industry as 85.96% of the companies are valued more expensively.
AMUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.06 | ||
| Fwd PE | 9.94 |
4.2 Price Multiples
AMUN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AMUN is cheaper than 80.70% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaper than 87.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.98 | ||
| EV/EBITDA | 12.6 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
AMUN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.94
PEG (5Y)1.4
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.74%, AMUN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.98, AMUN pays a better dividend. On top of this AMUN pays more dividend than 89.47% 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 | 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 (5/27/2025, 5:29:48 PM)
73.9
+0.3 (+0.41%)
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 Cap15.18B
Analysts80
Price Target77.36 (4.68%)
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 | 11.06 | ||
| Fwd PE | 9.94 | ||
| P/S | 1.86 | ||
| P/FCF | 9.98 | ||
| P/OCF | 9.55 | ||
| P/B | 1.26 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 12.6 |
EPS(TTM)6.68
EY9.04%
EPS(NY)7.44
Fwd EY10.07%
FCF(TTM)7.41
FCFY10.02%
OCF(TTM)7.74
OCFY10.48%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)16.94
PEG (5Y)1.4
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%