AMUNDI SA (ANI.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:ANI • FR0004125920

79.15 EUR
-0.55 (-0.69%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

5

ANI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 119 industry peers in the Capital Markets industry. While ANI has a great profitability rating, there are some minor concerns on its financial health. ANI is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year ANI was profitable.
  • In the past year ANI had a positive cash flow from operations.
  • In the past 5 years ANI has always been profitable.
  • ANI had a positive operating cash flow in 4 of the past 5 years.
ANI.DE Yearly Net Income VS EBIT VS OCF VS FCFANI.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

1.2 Ratios

  • ANI has a Return On Assets of 6.08%. This is in the better half of the industry: ANI outperforms 76.47% of its industry peers.
  • ANI has a better Return On Equity (19.85%) than 80.67% of its industry peers.
  • ANI's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. ANI outperforms 71.43% of its industry peers.
  • ANI had an Average Return On Invested Capital over the past 3 years of 3.64%. This is significantly below the industry average of 8.69%.
  • The last Return On Invested Capital (5.43%) for ANI is above the 3 year average (3.64%), which is a sign of increasing profitability.
Industry RankSector 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%
ANI.DE Yearly ROA, ROE, ROICANI.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • ANI has a better Profit Margin (28.32%) than 75.63% of its industry peers.
  • ANI's Profit Margin has improved in the last couple of years.
  • ANI has a Operating Margin of 29.17%. This is in the better half of the industry: ANI outperforms 69.75% of its industry peers.
  • ANI's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of ANI (41.94%) is better than 60.50% of its industry peers.
  • In the last couple of years the Gross Margin of ANI has remained more or less at the same level.
Industry RankSector Rank
OM 29.17%
PM (TTM) 28.32%
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%
ANI.DE Yearly Profit, Operating, Gross MarginsANI.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

2. Health

2.1 Basic Checks

  • The number of shares outstanding for ANI remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for ANI has been increased compared to 5 years ago.
  • Compared to 1 year ago, ANI has an improved debt to assets ratio.
ANI.DE Yearly Shares OutstandingANI.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
ANI.DE Yearly Total Debt VS Total AssetsANI.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • ANI has an Altman-Z score of 1.07. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.07, ANI is in line with its industry, outperforming 58.82% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 1.25, ANI belongs to the top of the industry, outperforming 89.92% of the companies in the same industry.
  • A Debt/Equity ratio of 0.19 indicates that ANI is not too dependend on debt financing.
  • ANI has a better Debt to Equity ratio (0.19) than 72.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.25
Altman-Z 1.07
ROIC/WACCN/A
WACCN/A
ANI.DE Yearly LT Debt VS Equity VS FCFANI.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

2.3 Liquidity

  • A Current Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
  • ANI has a Current ratio of 0.83. This is comparable to the rest of the industry: ANI outperforms 51.26% of its industry peers.
  • A Quick Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
  • ANI has a Quick ratio (0.83) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.83
ANI.DE Yearly Current Assets VS Current LiabilitesANI.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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3

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.48% over the past year.
  • Measured over the past 5 years, ANI shows a small growth in Earnings Per Share. The EPS has been growing by 7.93% on average per year.
  • The Revenue has been growing slightly by 5.16% in the past year.
  • ANI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.39% yearly.
EPS 1Y (TTM)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%

3.2 Future

  • ANI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.73% yearly.
  • ANI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.14% yearly.
EPS Next Y-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPS Next 5Y0.73%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%

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.
ANI.DE Yearly Revenue VS EstimatesANI.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B
ANI.DE Yearly EPS VS EstimatesANI.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.99, the valuation of ANI can be described as reasonable.
  • Based on the Price/Earnings ratio, ANI is valued cheaply inside the industry as 83.19% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.67. ANI is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 11.02, the valuation of ANI can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 87.39% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. ANI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.99
Fwd PE 11.02
ANI.DE Price Earnings VS Forward Price EarningsANI.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 89.08% of the companies listed in the same industry.
  • 90.76% of the companies in the same industry are more expensive than ANI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.98
EV/EBITDA 5.9
ANI.DE Per share dataANI.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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)1.51
EPS Next 2Y3.16%
EPS Next 3Y3.76%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • ANI has a Yearly Dividend Yield of 5.68%, which is a nice return.
  • ANI's Dividend Yield is rather good when compared to the industry average which is at 3.02. ANI pays more dividend than 89.08% of the companies in the same industry.
  • ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.68%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
ANI.DE Yearly Dividends per shareANI.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

DPN/A
EPS Next 2Y3.16%
EPS Next 3Y3.76%
ANI.DE Yearly Income VS Free CF VS DividendANI.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

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AMUNDI SA

FRA:ANI (2/5/2026, 7:00:00 PM)

79.15

-0.55 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28
Earnings (Next)02-03
Inst Owners79.3%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.34B
Revenue(TTM)8.34B
Net Income(TTM)2.38B
Analysts77
Price Target76.81 (-2.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.68%
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)2.81%
PT rev (3m)-2.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
Industry RankSector Rank
PE 11.99
Fwd PE 11.02
P/S 1.94
P/FCF 8.98
P/OCF 8.58
P/B 1.36
P/tB 3.24
EV/EBITDA 5.9
EPS(TTM)6.6
EY8.34%
EPS(NY)7.18
Fwd EY9.07%
FCF(TTM)8.82
FCFY11.14%
OCF(TTM)9.22
OCFY11.65%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.51
Graham Number92.89
Profitability
Industry RankSector Rank
ROA 6.08%
ROE 19.85%
ROCE 7.29%
ROIC 5.43%
ROICexc 5.74%
ROICexgc 7.25%
OM 29.17%
PM (TTM) 28.32%
GM 41.94%
FCFM 21.66%
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 RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.25
Debt/EBITDA 0.89
Cap/Depr 78.57%
Cap/Sales 0.99%
Interest Coverage 250
Cash Conversion 74.41%
Profit Quality 76.46%
Current Ratio 0.83
Quick Ratio 0.83
Altman-Z 1.07
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-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPS Next 5Y0.73%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%
EBIT growth 1Y-16.2%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year1.39%
EBIT Next 3Y2.13%
EBIT Next 5Y1.83%
FCF growth 1Y48.2%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y47.68%
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 for ANI stock?

ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (ANI.DE). This can be considered as Undervalued.


What is the profitability of ANI stock?

AMUNDI SA (ANI.DE) has a profitability rating of 7 / 10.


Can you provide the financial health for ANI stock?

The financial health rating of AMUNDI SA (ANI.DE) is 4 / 10.


What is the expected EPS growth for AMUNDI SA (ANI.DE) stock?

The Earnings per Share (EPS) of AMUNDI SA (ANI.DE) is expected to decline by -1.63% in the next year.