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 107 industry peers in the Capital Markets industry. ANI scores excellent on profitability, 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.
In the past year ANI had a positive cash flow from operations.
Each year in the past 5 years ANI has been profitable.
Of the past 5 years ANI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ANI (5.35%) is better than 72.90% of its industry peers.
ANI's Return On Equity of 17.06% is amongst the best of the industry. ANI outperforms 81.31% of its industry peers.
With a decent Return On Invested Capital value of 5.44%, ANI is doing good in the industry, outperforming 71.96% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ANI is below the industry average of 8.40%.
The 3 year average ROIC (3.64%) for ANI is below the current ROIC(5.44%), indicating increased profibility in the last year.
| 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
The Profit Margin of ANI (25.13%) is better than 71.96% of its industry peers.
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 70.09% of its industry peers.
ANI's Operating Margin has been stable in the last couple of years.
ANI has a better Gross Margin (43.26%) than 60.75% 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.
Compared to 5 years ago, ANI has more shares outstanding
The debt/assets ratio for ANI has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.03, we must say that ANI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.03, ANI is in line with its industry, outperforming 51.40% 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 65.42% 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.65 | ||
| Debt/FCF | 13 | ||
| Altman-Z | 1.03 |
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.
ANI's Current ratio of 0.72 is in line compared to the rest of the industry. ANI outperforms 50.47% of its industry peers.
A Quick Ratio of 0.72 indicates that ANI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.72, ANI is in line with its industry, outperforming 51.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.72 | ||
| Quick Ratio | 0.72 |
3. Growth
3.1 Past
ANI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.05%, which is quite good.
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 quite strong growth in Revenue. The Revenue has grown by 8.18% 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)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 4.97% yearly.
ANI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.52% yearly.
EPS Next Y0.65%
EPS Next 2Y4.97%
EPS Next 3Y5.21%
EPS Next 5Y4.97%
Revenue Next Year-1.25%
Revenue Next 2Y0.16%
Revenue Next 3Y1.56%
Revenue Next 5Y2.52%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 10.65, which indicates a very decent valuation of ANI.
ANI's Price/Earnings ratio is a bit cheaper when compared to the industry. ANI is cheaper than 79.44% of the companies in the same industry.
When comparing the Price/Earnings ratio of ANI to the average of the S&P500 Index (27.18), we can say ANI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.57, the valuation of ANI can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 86.92% of the companies listed in the same industry.
ANI is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.57 |
4.2 Price Multiples
77.57% of the companies in the same industry are more expensive than ANI, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 87.85% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.6 | ||
| EV/EBITDA | 12.4 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ANI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)16.31
PEG (5Y)1.34
EPS Next 2Y4.97%
EPS Next 3Y5.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.99%, ANI is a good candidate for dividend investing.
ANI's Dividend Yield is rather good when compared to the industry average which is at 5.87. ANI pays more dividend than 90.65% of the companies in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
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 (7/15/2025, 7:00:00 PM)
71.15
+0.15 (+0.21%)
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 Cap14.62B
Analysts80
Price Target78.94 (10.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.99% |
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)-1.6%
PT rev (3m)-0.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.57 | ||
| P/S | 1.79 | ||
| P/FCF | 9.6 | ||
| P/OCF | 9.19 | ||
| P/B | 1.22 | ||
| P/tB | 2.91 | ||
| EV/EBITDA | 12.4 |
EPS(TTM)6.68
EY9.39%
EPS(NY)7.44
Fwd EY10.45%
FCF(TTM)7.41
FCFY10.41%
OCF(TTM)7.74
OCFY10.88%
SpS39.67
BVpS58.43
TBVpS24.42
PEG (NY)16.31
PEG (5Y)1.34
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 | 1.03 |
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 5Y4.97%
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 5Y0.95%
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%