AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - FRA:ANI - FR0004125920 - Common Stock
67.1 EUR
-0.05 (-0.07%)
Taking everything into account, ANI scores 5 out of 10 in our fundamental rating. ANI was compared to 113 industry peers in the Capital Markets industry. Both the profitability and the financial health of ANI get a neutral evaluation. Nothing too spectacular is happening here. ANI is cheap, but on the other hand it scores bad on growth.
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.
ANI had positive earnings in each of the past 5 years.
Of the past 5 years ANI 4 years had a positive operating cash flow.
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 77.88% of the companies in the same industry.
The Return On Equity of ANI (19.85%) is better than 79.65% of its industry peers.
ANI has a better Return On Invested Capital (5.43%) than 69.91% of its industry peers.
ANI had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 8.16%.
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 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 76.99% of its industry peers.
In the last couple of years the Profit Margin of ANI has grown nicely.
ANI has a better Operating Margin (29.17%) than 69.03% of its industry peers.
ANI's Operating Margin has been stable in the last couple of years.
ANI's Gross Margin of 41.94% is in line compared to the rest of the industry. ANI outperforms 58.41% 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 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
The number of shares outstanding for ANI remains at a similar level compared to 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
ANI has an Altman-Z score of 1.02. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
ANI's Altman-Z score of 1.02 is in line compared to the rest of the industry. ANI outperforms 53.98% of its industry peers.
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.
ANI's Debt to FCF ratio of 1.25 is amongst the best of the industry. ANI outperforms 87.61% 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 69.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.02 |
ROIC/WACCN/A
WACCN/A
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 (0.83) which is in line with 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 of 0.83. This is comparable to the rest of the industry: ANI outperforms 52.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
ANI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.28%.
ANI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
Looking at the last year, ANI shows a small growth in Revenue. The Revenue has grown by 7.39% in the last year.
The Revenue has been growing slightly by 6.39% on average over the past years.
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 1.60% on average per year.
The Revenue is expected to grow by 2.85% on average over the next years.
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.
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 10.17, which indicates a very decent valuation of ANI.
Based on the Price/Earnings ratio, ANI is valued cheaper than 83.19% of the companies in the same industry.
ANI is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.34, the valuation of ANI can be described as reasonable.
Based on the Price/Forward Earnings ratio, ANI is valued cheaper than 91.15% of the companies in the same industry.
ANI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ANI is valued cheaply inside the industry as 87.61% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, ANI is valued cheaper than 88.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.57 | ||
| EV/EBITDA | 4.9 |
4.3 Compensation for Growth
The decent profitability rating of ANI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y3.16%
EPS Next 3Y4.15%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.33%, ANI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.63, ANI pays a better dividend. On top of this ANI pays more dividend than 90.27% 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y3.16%
EPS Next 3Y4.15%
FRA:ANI (10/16/2025, 7:00:00 PM)
67.1
-0.05 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.78B
Analysts80
Price Target77.94 (16.15%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.33% |
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)-5.32%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-3.71%
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)-4.04%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-3.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 9.34 | ||
| P/S | 1.64 | ||
| P/FCF | 7.57 | ||
| P/OCF | 7.24 | ||
| P/B | 1.15 | ||
| P/tB | 2.73 | ||
| EV/EBITDA | 4.9 |
EPS(TTM)6.6
EY9.84%
EPS(NY)7.18
Fwd EY10.7%
FCF(TTM)8.87
FCFY13.21%
OCF(TTM)9.27
OCFY13.81%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.28
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 | 1.02 |
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%