AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - FRA:ANI - FR0004125920 - Common Stock
63.8 EUR
+0.1 (+0.16%)
Overall ANI gets a fundamental rating of 5 out of 10. We evaluated ANI against 112 industry peers in the Capital Markets industry. While ANI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ANI is valued quite cheap, but it does not seem to be growing.
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.
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 77.68% of its industry peers.
ANI has a better Return On Equity (19.85%) than 83.93% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.43%, ANI is in the better half of the industry, outperforming 73.21% of the companies in the same industry.
ANI had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 8.46%.
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
ANI has a better Profit Margin (28.33%) than 75.89% of its industry peers.
ANI's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 29.17%, ANI is doing good in the industry, outperforming 72.32% of the companies in the same industry.
ANI's Operating Margin has been stable in the last couple of years.
Looking at the Gross Margin, with a value of 41.94%, ANI is in the better half of the industry, outperforming 63.39% 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.
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.
2.2 Solvency
Based on the Altman-Z score of 1.00, we must say that ANI is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.00, ANI perfoms like the industry average, outperforming 53.57% of the companies in the same industry.
The Debt to FCF ratio of ANI is 1.25, which is an excellent value as it means it would take ANI, only 1.25 years of fcf income to pay off 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 90.18% 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 Debt to Equity ratio of 0.19. This is in the better half of the industry: ANI outperforms 72.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
ANI has a Current 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.
Looking at the Current ratio, with a value of 0.83, ANI is in line with its industry, outperforming 53.57% of the companies in the same industry.
A Quick Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
ANI's Quick ratio of 0.83 is in line compared to the rest of the industry. ANI outperforms 55.36% of 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 6.28% 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.
Looking at the last year, ANI shows a small growth in Revenue. The Revenue has grown by 7.39% in the last 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)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, ANI will show a small growth in Earnings Per Share. The EPS will grow by 1.69% on average per year.
Based on estimates for the next years, ANI will show a small growth in Revenue. The Revenue will grow by 2.94% on average per year.
EPS Next Y-2.64%
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPS Next 5Y1.69%
Revenue Next Year-4.29%
Revenue Next 2Y-0.93%
Revenue Next 3Y0.9%
Revenue Next 5Y2.94%
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
With a Price/Earnings ratio of 9.67, the valuation of ANI can be described as very reasonable.
83.04% of the companies in the same industry are more expensive than ANI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ANI to the average of the S&P500 Index (27.20), we can say ANI is valued rather cheaply.
The Price/Forward Earnings ratio is 8.87, which indicates a very decent valuation of ANI.
Based on the Price/Forward Earnings ratio, ANI is valued cheaper than 94.64% of the companies in the same industry.
ANI is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.67 | ||
| Fwd PE | 8.87 |
4.2 Price Multiples
ANI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ANI is cheaper than 87.50% of the companies 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 92.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.2 | ||
| EV/EBITDA | 4.63 |
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)1.22
EPS Next 2Y3.24%
EPS Next 3Y4.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.65%, ANI is a good candidate for dividend investing.
ANI's Dividend Yield is rather good when compared to the industry average which is at 6.14. ANI pays more dividend than 91.96% of the companies in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.65% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y3.24%
EPS Next 3Y4.11%
FRA:ANI (9/16/2025, 7:00:00 PM)
63.8
+0.1 (+0.16%)
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 Cap13.11B
Analysts80
Price Target77.94 (22.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.65% |
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)-0.48%
PT rev (3m)-2.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.97%
EPS NY rev (1m)-3.27%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.51%
Revenue NY rev (1m)-3.85%
Revenue NY rev (3m)-3.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.67 | ||
| Fwd PE | 8.87 | ||
| P/S | 1.56 | ||
| P/FCF | 7.2 | ||
| P/OCF | 6.88 | ||
| P/B | 1.09 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | 4.63 |
EPS(TTM)6.6
EY10.34%
EPS(NY)7.19
Fwd EY11.28%
FCF(TTM)8.87
FCFY13.9%
OCF(TTM)9.27
OCFY14.53%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.22
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 5Y1.69%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-4.29%
Revenue Next 2Y-0.93%
Revenue Next 3Y0.9%
Revenue Next 5Y2.94%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year3.5%
EBIT Next 3Y4.33%
EBIT Next 5Y4.37%
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%