AMUNDI SA (ANI.DE) Stock Fundamental Analysis
FRA:ANI - Deutsche Boerse Ag - FR0004125920 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to ANI. ANI was compared to 110 industry peers in the Capital Markets industry. ANI has an excellent profitability rating, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on ANI.
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 5.35% is fine compared to the rest of the industry. ANI outperforms 77.27% of its industry peers.
ANI has a better Return On Equity (17.06%) than 83.64% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.44%, ANI is in the better half of the industry, outperforming 73.64% 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 7.99%.
The last Return On Invested Capital (5.44%) for ANI 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%, ANI is in the better half of the industry, outperforming 74.55% of the companies in the same industry.
In the last couple of years the Profit Margin of ANI has grown nicely.
ANI has a Operating Margin of 29.86%. This is in the better half of the industry: ANI outperforms 72.73% of its industry peers.
In the last couple of years the Operating Margin of ANI has remained more or less at the same level.
The Gross Margin of ANI (43.26%) is better than 63.64% of its industry peers.
ANI's Gross Margin has been stable in the last couple of years.
| 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
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.
Compared to 1 year ago, ANI has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 1.01, we must say that ANI is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 1.01, ANI perfoms like the industry average, outperforming 52.73% of the companies in the same industry.
The Debt to FCF ratio of ANI is 13.00, which is on the high side as it means it would take ANI, 13.00 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ANI (13.00) is better than 69.09% of its industry peers.
ANI has a Debt/Equity ratio of 1.65. This is a high value indicating a heavy dependency on external financing.
ANI 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 | 1.01 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
ANI has a Current Ratio of 0.72. 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 0.72, ANI is in line with its industry, outperforming 53.64% of the companies in the same industry.
A Quick Ratio of 0.72 indicates that ANI may have some problems paying its short term obligations.
ANI 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
The Earnings Per Share has grown by an nice 10.05% over the past year.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
The Revenue has grown by 8.18% in the past year. This is quite good.
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)10.05%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.52%
Revenue 1Y (TTM)8.18%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%10.68%
3.2 Future
ANI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
Based on estimates for the next years, ANI will show a small growth in Revenue. The Revenue will grow by 2.52% on average per year.
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y5.05%
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.
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
ANI is valuated reasonably with a Price/Earnings ratio of 10.00.
ANI's Price/Earnings ratio is rather cheap when compared to the industry. ANI is cheaper than 81.82% of the companies in the same industry.
ANI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.32.
The Price/Forward Earnings ratio is 8.98, which indicates a very decent valuation of ANI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 89.09% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.19. ANI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | 8.98 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ANI indicates a somewhat cheap valuation: ANI is cheaper than 78.18% of the companies listed in the same industry.
ANI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ANI is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.02 | ||
| EV/EBITDA | 12.05 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ANI does not grow enough to justify the current Price/Earnings ratio.
ANI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)15.31
PEG (5Y)1.26
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
ANI has a Yearly Dividend Yield of 6.24%, which is a nice return.
ANI's Dividend Yield is rather good when compared to the industry average which is at 4.96. ANI pays more dividend than 90.91% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, ANI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y4.97%
EPS Next 3Y5.21%
FRA:ANI (6/17/2025, 7:00:00 PM)
66.8
-0.7 (-1.04%)
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 Cap13.72B
Analysts80
Price Target80.22 (20.09%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
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)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)4%
PT rev (3m)2.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.97%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | 8.98 | ||
| P/S | 1.68 | ||
| P/FCF | 9.02 | ||
| P/OCF | 8.63 | ||
| P/B | 1.14 | ||
| P/tB | 2.74 | ||
| EV/EBITDA | 12.05 |
EPS(TTM)6.68
EY10%
EPS(NY)7.44
Fwd EY11.14%
FCF(TTM)7.41
FCFY11.09%
OCF(TTM)7.74
OCFY11.59%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)15.31
PEG (5Y)1.26
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 | 1.01 |
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)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 5Y5.05%
Revenue 1Y (TTM)8.18%
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 5Y1.4%
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%