AXA SA (AXA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AXA - FR0000120628 - Common Stock
41.12 EUR
+0.03 (+0.07%)
AXA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Insurance industry. AXA has an average financial health and profitability rating. AXA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
AXA had positive earnings in the past year.
In the past year AXA had a positive cash flow from operations.
Each year in the past 5 years AXA has been profitable.
Each year in the past 5 years AXA had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AXA (1.18%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 16.72%, AXA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
The Return On Invested Capital of AXA (1.28%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for AXA is in line with the industry average of 2.63%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROIC | 1.28% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
1.3 Margins
AXA has a Profit Margin (8.52%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of AXA has grown nicely.
Looking at the Operating Margin, with a value of 11.47%, AXA is in line with its industry, outperforming 51.11% of the companies in the same industry.
In the last couple of years the Operating Margin of AXA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A |
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AXA is destroying value.
The number of shares outstanding for AXA has been reduced compared to 1 year ago.
AXA has less shares outstanding than it did 5 years ago.
The debt/assets ratio for AXA is higher compared to a year ago.
2.2 Solvency
AXA has an Altman-Z score of 0.35. This is a bad value and indicates that AXA is not financially healthy and even has some risk of bankruptcy.
AXA's Altman-Z score of 0.35 is amongst the best of the industry. AXA outperforms 88.89% of its industry peers.
The Debt to FCF ratio of AXA is 1.41, which is an excellent value as it means it would take AXA, only 1.41 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.41, AXA is doing good in the industry, outperforming 75.56% of the companies in the same industry.
AXA has a Debt/Equity ratio of 0.65. This is a neutral value indicating AXA is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.65, AXA is in line with its industry, outperforming 48.89% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for AXA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.69%
2.3 Liquidity
AXA has a Current Ratio of 0.82. This is a bad value and indicates that AXA is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of AXA (0.82) is better than 86.67% of its industry peers.
AXA has a Quick Ratio of 0.82. This is a bad value and indicates that AXA is not financially healthy enough and could expect problems in meeting its short term obligations.
AXA's Quick ratio of 0.82 is amongst the best of the industry. AXA outperforms 86.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.70% over the past year.
AXA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.09% yearly.
AXA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.40%.
AXA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
3.2 Future
AXA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.92% yearly.
Based on estimates for the next years, AXA will show a quite strong growth in Revenue. The Revenue will grow by 8.53% on average per year.
EPS Next Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.92%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.97, the valuation of AXA can be described as reasonable.
Based on the Price/Earnings ratio, AXA is valued a bit cheaper than 80.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.92, AXA is valued rather cheaply.
A Price/Forward Earnings ratio of 9.63 indicates a reasonable valuation of AXA.
80.00% of the companies in the same industry are more expensive than AXA, based on the Price/Forward Earnings ratio.
AXA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.97 | ||
| Fwd PE | 9.63 |
4.2 Price Multiples
88.89% of the companies in the same industry are more expensive than AXA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AXA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.88
PEG (5Y)0.61
EPS Next 2Y9.09%
EPS Next 3Y8.52%
5. Dividend
5.1 Amount
AXA has a Yearly Dividend Yield of 5.23%, which is a nice return.
Compared to an average industry Dividend Yield of 3.90, AXA pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, AXA pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
5.2 History
The dividend of AXA is nicely growing with an annual growth rate of 8.12%!
Dividend Growth(5Y)8.12%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
61.79% of the earnings are spent on dividend by AXA. This is not a sustainable payout ratio.
The dividend of AXA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
FRA:AXA (12/23/2025, 7:00:00 PM)
41.12
+0.03 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.12%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap87.32B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.56 (10.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.23% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.45%
PT rev (3m)0.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.26%
EPS NY rev (3m)-1.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.97 | ||
| Fwd PE | 9.63 | ||
| P/S | 0.98 | ||
| P/FCF | 4.17 | ||
| P/OCF | 4.08 | ||
| P/B | 1.92 | ||
| P/tB | 3.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.12%
EPS(NY)4.27
Fwd EY10.39%
FCF(TTM)9.85
FCFY23.96%
OCF(TTM)10.08
OCFY24.5%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.88
PEG (5Y)0.61
Graham Number42.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROCE | 1.62% | ||
| ROIC | 1.28% | ||
| ROICexc | 1.33% | ||
| ROICexgc | 1.74% | ||
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A | ||
| FCFM | 23.44% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
ROICexc(3y)1.34%
ROICexc(5y)1.16%
ROICexgc(3y)1.75%
ROICexgc(5y)1.48%
ROCE(3y)1.62%
ROCE(5y)1.41%
ROICexgc growth 3Y10.47%
ROICexgc growth 5Y16.55%
ROICexc growth 3Y8.69%
ROICexc growth 5Y14.36%
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.53% | ||
| Interest Coverage | 1.98 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 275.1% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.69%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)0.4%
Profit Quality(3y)104.89%
Profit Quality(5y)238.88%
High Growth Momentum
Growth
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
EPS Next Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.92%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.92%
EBIT Next 3Y11.14%
EBIT Next 5YN/A
FCF growth 1Y150.74%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y145.39%
OCF growth 3Y7.85%
OCF growth 5Y9.48%
AXA SA / AXA.DE FAQ
What is the ChartMill fundamental rating of AXA SA (AXA.DE) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AXA.DE.
Can you provide the valuation status for AXA SA?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (AXA.DE). This can be considered as Fairly Valued.
What is the profitability of AXA stock?
AXA SA (AXA.DE) has a profitability rating of 5 / 10.
What is the valuation of AXA SA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AXA SA (AXA.DE) is 10.97 and the Price/Book (PB) ratio is 1.92.
How sustainable is the dividend of AXA SA (AXA.DE) stock?
The dividend rating of AXA SA (AXA.DE) is 6 / 10 and the dividend payout ratio is 61.79%.