AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
68.3 EUR
+0.15 (+0.22%)
ANI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 118 industry peers in the Capital Markets industry. ANI has an average financial health and profitability rating. ANI is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ANI had positive earnings in the past year.
ANI had a positive operating cash flow in the past year.
ANI had positive earnings in each of the past 5 years.
ANI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ANI's Return On Assets of 6.08% is fine compared to the rest of the industry. ANI outperforms 76.27% of its industry peers.
The Return On Equity of ANI (19.85%) is better than 79.66% of its industry peers.
ANI has a better Return On Invested Capital (5.43%) than 69.49% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ANI is significantly below the industry average of 9.11%.
The 3 year average ROIC (3.64%) for ANI is below the current ROIC(5.43%), indicating increased profibility in the last year.
| 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%, ANI is doing good in the industry, outperforming 75.42% of the companies in the same industry.
In the last couple of years the Profit Margin of ANI has grown nicely.
ANI's Operating Margin of 29.17% is fine compared to the rest of the industry. ANI outperforms 68.64% of its industry peers.
ANI's Operating Margin has been stable in the last couple of years.
With a Gross Margin value of 41.94%, ANI perfoms like the industry average, outperforming 59.32% of the companies in the same industry.
ANI'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
ANI has about the same amout of shares outstanding than it did 1 year ago.
ANI has more shares outstanding than it did 5 years ago.
ANI has a better debt/assets ratio than last year.
2.2 Solvency
ANI has an Altman-Z score of 1.02. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
ANI has a Altman-Z score of 1.02. This is comparable to the rest of the industry: ANI outperforms 55.93% of its industry peers.
ANI 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.
ANI has a Debt to FCF ratio of 1.25. This is amongst the best in the industry. ANI outperforms 89.83% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that ANI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, ANI is in the better half of the industry, outperforming 70.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.02 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
ANI's Current ratio of 0.83 is in line compared to the rest of the industry. ANI outperforms 50.00% of its industry peers.
ANI has a Quick Ratio of 0.83. This is a bad value and indicates that ANI is not financially healthy enough and could expect problems in meeting its short term obligations.
ANI has a Quick ratio (0.83) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.48% over the past year.
ANI 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, ANI shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
The Revenue has been growing slightly by 6.39% on average over the past years.
EPS 1Y (TTM)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
3.2 Future
Based on estimates for the next years, ANI will show a small growth in Earnings Per Share. The EPS will grow by 1.02% on average per year.
Based on estimates for the next years, ANI will show a small growth in Revenue. The Revenue will grow by 1.43% on average per year.
EPS Next Y-2.12%
EPS Next 2Y3.03%
EPS Next 3Y3.3%
EPS Next 5Y1.02%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.46%
Revenue Next 5Y1.43%
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
A Price/Earnings ratio of 10.35 indicates a reasonable valuation of ANI.
83.90% of the companies in the same industry are more expensive than ANI, based on the Price/Earnings ratio.
ANI is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.53, the valuation of ANI can be described as reasonable.
89.83% of the companies in the same industry are more expensive than ANI, based on the Price/Forward Earnings ratio.
ANI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.51.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 88.98% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 88.98% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.74 | ||
| EV/EBITDA | 5.03 |
4.3 Compensation for Growth
ANI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.31
EPS Next 2Y3.03%
EPS Next 3Y3.3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.20%, ANI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.31, ANI pays a better dividend. On top of this ANI pays more dividend than 90.68% of the companies listed in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y3.03%
EPS Next 3Y3.3%
FRA:ANI (12/8/2025, 7:00:00 PM)
68.3
+0.15 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.33%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.10B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts79
Price Target73.92 (8.23%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years3
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)-5.72%
PT rev (3m)-3.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)1.3%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 9.53 | ||
| P/S | 1.68 | ||
| P/FCF | 7.74 | ||
| P/OCF | 7.4 | ||
| P/B | 1.18 | ||
| P/tB | 2.79 | ||
| EV/EBITDA | 5.03 |
EPS(TTM)6.6
EY9.66%
EPS(NY)7.17
Fwd EY10.49%
FCF(TTM)8.82
FCFY12.92%
OCF(TTM)9.22
OCFY13.51%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.31
Graham Number92.89
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%
ROICexgc growth 3Y-11.56%
ROICexgc 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 | 1.02 |
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)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
EPS Next Y-2.12%
EPS Next 2Y3.03%
EPS Next 3Y3.3%
EPS Next 5Y1.02%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.46%
Revenue Next 5Y1.43%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year1.39%
EBIT Next 3Y2.15%
EBIT Next 5Y2.13%
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%
AMUNDI SA / ANI.DE FAQ
Can you provide the ChartMill fundamental rating for AMUNDI SA?
ChartMill assigns a fundamental rating of 5 / 10 to ANI.DE.
What is the valuation status of AMUNDI SA (ANI.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (ANI.DE). This can be considered as Undervalued.
How profitable is AMUNDI SA (ANI.DE) stock?
AMUNDI SA (ANI.DE) has a profitability rating of 7 / 10.
What is the valuation of AMUNDI SA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMUNDI SA (ANI.DE) is 10.35 and the Price/Book (PB) ratio is 1.18.
How financially healthy is AMUNDI SA?
The financial health rating of AMUNDI SA (ANI.DE) is 4 / 10.