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AMUNDI SA (ANI.DE) Stock Fundamental Analysis

Europe - FRA:ANI - FR0004125920 - Common Stock

65.8 EUR
-0.45 (-0.68%)
Last: 10/23/2025, 7:00:00 PM
Fundamental Rating

5

ANI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 113 industry peers in the Capital Markets industry. ANI has an excellent profitability rating, but there are some minor concerns on its financial health. ANI is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

In the past year ANI was profitable.
ANI had a positive operating cash flow in the past year.
In the past 5 years ANI has always been profitable.
Of the past 5 years ANI 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

1.2 Ratios

Looking at the Return On Assets, with a value of 6.08%, ANI is in the better half of the industry, outperforming 78.76% of the companies in the same industry.
ANI has a Return On Equity of 19.85%. This is amongst the best in the industry. ANI outperforms 81.42% of its industry peers.
The Return On Invested Capital of ANI (5.43%) is better than 71.68% 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 9.27%.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

ANI has a Profit Margin of 28.33%. This is in the better half of the industry: ANI outperforms 76.99% of its industry peers.
ANI's Profit Margin has improved in the last couple of years.
The Operating Margin of ANI (29.17%) is better than 73.45% of its industry peers.
In the last couple of years the Operating Margin of ANI has remained more or less at the same level.
Looking at the Gross Margin, with a value of 41.94%, ANI is in the better half of the industry, outperforming 63.72% of the companies in the same industry.
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) 28.33%
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%
ANI.DE Yearly Profit, Operating, Gross MarginsANI.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

4

2. Health

2.1 Basic Checks

The number of shares outstanding for ANI remains at a similar level compared to 1 year ago.
Compared to 5 years ago, ANI has more shares outstanding
The debt/assets ratio for ANI has been reduced compared to a year ago.
ANI.DE Yearly Shares OutstandingANI.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

ANI has an Altman-Z score of 1.01. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of ANI (1.01) is comparable to the rest of the 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.
ANI's Debt to FCF ratio of 1.25 is amongst the best of the industry. ANI outperforms 90.27% of its industry peers.
ANI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ANI (0.19) is better than 69.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 1.25
Altman-Z 1.01
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

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.
ANI's Current ratio of 0.83 is in line compared to the rest of the industry. ANI outperforms 52.21% 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 of 0.83. This is comparable to the rest of the industry: ANI outperforms 53.98% of 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.28% over the past year.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
Looking at the last year, ANI shows a small growth in Revenue. The Revenue has grown by 7.39% in the last year.
Measured over the past years, ANI shows a small growth in Revenue. The Revenue has been growing by 6.39% on average per year.
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

ANI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.60% yearly.
ANI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.85% yearly.
EPS Next Y-3.08%
EPS Next 2Y3.16%
EPS Next 3Y4.15%
EPS Next 5Y1.6%
Revenue Next Year-4.23%
Revenue Next 2Y-1.39%
Revenue Next 3Y0.62%
Revenue Next 5Y2.85%

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.
ANI.DE Yearly Revenue VS EstimatesANI.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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

7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.97, which indicates a very decent valuation of ANI.
ANI's Price/Earnings ratio is rather cheap when compared to the industry. ANI is cheaper than 86.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of ANI to the average of the S&P500 Index (26.89), we can say ANI is valued rather cheaply.
ANI is valuated reasonably with a Price/Forward Earnings ratio of 9.16.
Based on the Price/Forward Earnings ratio, ANI is valued cheaply inside the industry as 92.92% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of ANI to the average of the S&P500 Index (22.99), we can say ANI is valued rather cheaply.
Industry RankSector Rank
PE 9.97
Fwd PE 9.16
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

88.50% of the companies in the same industry are more expensive than ANI, based on the Enterprise Value to EBITDA ratio.
ANI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ANI is cheaper than 92.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.42
EV/EBITDA 4.8
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

The decent profitability rating of ANI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.26
EPS Next 2Y3.16%
EPS Next 3Y4.15%

6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.46%, ANI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.70, ANI pays a better dividend. On top of this ANI pays more dividend than 91.15% 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 RankSector Rank
Dividend Yield 6.46%

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 3Y4.15%
ANI.DE Yearly Income VS Free CF VS DividendANI.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

AMUNDI SA

FRA:ANI (10/23/2025, 7:00:00 PM)

65.8

-0.45 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-29 2025-07-29/bmo
Earnings (Next)10-28 2025-10-28/amc
Inst Owners79.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.52B
Revenue(TTM)8.40B
Net Income(TTM)2.38B
Analysts80
Price Target77.94 (18.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.46%
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%
PT rev (3m)-2.99%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-5.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.71%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)-4.91%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-3.02%
Valuation
Industry RankSector Rank
PE 9.97
Fwd PE 9.16
P/S 1.61
P/FCF 7.42
P/OCF 7.1
P/B 1.13
P/tB 2.68
EV/EBITDA 4.8
EPS(TTM)6.6
EY10.03%
EPS(NY)7.18
Fwd EY10.92%
FCF(TTM)8.87
FCFY13.47%
OCF(TTM)9.27
OCFY14.09%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.26
Graham Number93.11
Profitability
Industry RankSector 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 RankSector 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 1.01
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-3.08%
EPS Next 2Y3.16%
EPS Next 3Y4.15%
EPS Next 5Y1.6%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-4.23%
Revenue Next 2Y-1.39%
Revenue Next 3Y0.62%
Revenue Next 5Y2.85%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y4.28%
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 9.97 and the Price/Book (PB) ratio is 1.13.


How financially healthy is AMUNDI SA?

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