SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:BB - FR0000120966 - Common Stock
48.95 EUR
+0.4 (+0.82%)
We assign a fundamental rating of 7 out of 10 to BB. BB was compared to 42 industry peers in the Commercial Services & Supplies industry. BB scores excellent points on both the profitability and health parts. This is a solid base for a good stock. BB is cheap, but on the other hand it scores bad on growth. These ratings would make BB suitable for value investing!
1. Profitability
1.1 Basic Checks
BB had positive earnings in the past year.
BB had a positive operating cash flow in the past year.
BB had positive earnings in each of the past 5 years.
In the past 5 years BB always reported a positive cash flow from operatings.
1.2 Ratios
With an excellent Return On Assets value of 7.75%, BB belongs to the best of the industry, outperforming 95.24% of the companies in the same industry.
With a decent Return On Equity value of 12.63%, BB is doing good in the industry, outperforming 78.57% of the companies in the same industry.
BB has a better Return On Invested Capital (10.68%) than 88.10% of its industry peers.
BB had an Average Return On Invested Capital over the past 3 years of 10.53%. This is above the industry average of 7.69%.
The last Return On Invested Capital (10.68%) for BB is above the 3 year average (10.53%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.75% | ||
| ROE | 12.63% | ||
| ROIC | 10.68% |
ROA(3y)7.94%
ROA(5y)8.14%
ROE(3y)11.76%
ROE(5y)11.99%
ROIC(3y)10.53%
ROIC(5y)9.82%
1.3 Margins
The Profit Margin of BB (9.65%) is better than 90.48% of its industry peers.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
The Operating Margin of BB (14.62%) is better than 88.10% of its industry peers.
BB's Operating Margin has declined in the last couple of years.
BB has a Gross Margin (50.20%) which is comparable to the rest of the industry.
BB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.62% | ||
| PM (TTM) | 9.65% | ||
| GM | 50.2% |
OM growth 3Y-1.06%
OM growth 5Y-3.04%
PM growth 3Y-17.44%
PM growth 5Y1.33%
GM growth 3Y-0.4%
GM growth 5Y0.02%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so BB is still creating some value.
Compared to 1 year ago, BB has less shares outstanding
BB has less shares outstanding than it did 5 years ago.
BB has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.55 indicates that BB is not in any danger for bankruptcy at the moment.
BB has a better Altman-Z score (3.55) than 95.24% of its industry peers.
The Debt to FCF ratio of BB is 1.66, which is an excellent value as it means it would take BB, only 1.66 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BB (1.66) is better than 92.86% of its industry peers.
BB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BB (0.18) is better than 88.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | 3.55 |
ROIC/WACC1.41
WACC7.59%
2.3 Liquidity
BB has a Current Ratio of 2.13. This indicates that BB is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.13, BB belongs to the top of the industry, outperforming 88.10% of the companies in the same industry.
A Quick Ratio of 1.38 indicates that BB should not have too much problems paying its short term obligations.
The Quick ratio of BB (1.38) is better than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.13 | ||
| Quick Ratio | 1.38 |
3. Growth
3.1 Past
BB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.87%.
BB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.19% yearly.
BB shows a decrease in Revenue. In the last year, the revenue decreased by -2.95%.
Measured over the past years, BB shows a small growth in Revenue. The Revenue has been growing by 2.42% on average per year.
EPS 1Y (TTM)-3.87%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-30.49%
Revenue 1Y (TTM)-2.95%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-5.5%
3.2 Future
Based on estimates for the next years, BB will show a decrease in Earnings Per Share. The EPS will decrease by -1.25% on average per year.
Based on estimates for the next years, BB will show a small growth in Revenue. The Revenue will grow by 4.02% on average per year.
EPS Next Y-11.94%
EPS Next 2Y-3.92%
EPS Next 3Y-2.03%
EPS Next 5Y-1.25%
Revenue Next Year-2.74%
Revenue Next 2Y-1.47%
Revenue Next 3Y-0.22%
Revenue Next 5Y4.02%
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 accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BB is valuated reasonably with a Price/Earnings ratio of 9.71.
Based on the Price/Earnings ratio, BB is valued cheaper than 92.86% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. BB is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.97, the valuation of BB can be described as very reasonable.
80.95% of the companies in the same industry are more expensive than BB, based on the Price/Forward Earnings ratio.
BB is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.71 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
90.48% of the companies in the same industry are more expensive than BB, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BB indicates a somewhat cheap valuation: BB is cheaper than 69.05% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.26 | ||
| EV/EBITDA | 4.46 |
4.3 Compensation for Growth
BB has an outstanding profitability rating, which may justify a higher PE ratio.
BB's earnings are expected to decrease with -2.03% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.87
EPS Next 2Y-3.92%
EPS Next 3Y-2.03%
5. Dividend
5.1 Amount
BB has a Yearly Dividend Yield of 6.52%, which is a nice return.
BB's Dividend Yield is rather good when compared to the industry average which is at 3.97. BB pays more dividend than 92.86% of the companies in the same industry.
BB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
5.2 History
The dividend of BB has a limited annual growth rate of 4.53%.
Dividend Growth(5Y)4.53%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
87.64% of the earnings are spent on dividend by BB. This is not a sustainable payout ratio.
The Dividend Rate of BB has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP87.64%
EPS Next 2Y-3.92%
EPS Next 3Y-2.03%
EPA:BB (11/28/2025, 10:38:00 AM)
48.95
+0.4 (+0.82%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners26.49%
Inst Owner ChangeN/A
Ins Owners7.23%
Ins Owner ChangeN/A
Market Cap2.04B
Revenue(TTM)2.20B
Net Income(TTM)212.01M
Analysts80
Price Target58.91 (20.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.52% |
Yearly Dividend4.29
Dividend Growth(5Y)4.53%
DP87.64%
Div Incr Years3
Div Non Decr Years3
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)-8.33%
PT rev (3m)-8.12%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-7.48%
EPS NY rev (3m)-7.38%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.54%
Revenue NY rev (3m)-0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.71 | ||
| Fwd PE | 8.97 | ||
| P/S | 0.93 | ||
| P/FCF | 9.26 | ||
| P/OCF | 6.58 | ||
| P/B | 1.21 | ||
| P/tB | 1.74 | ||
| EV/EBITDA | 4.46 |
EPS(TTM)5.04
EY10.3%
EPS(NY)5.46
Fwd EY11.15%
FCF(TTM)5.29
FCFY10.8%
OCF(TTM)7.44
OCFY15.2%
SpS52.78
BVpS40.34
TBVpS28.17
PEG (NY)N/A
PEG (5Y)1.87
Graham Number67.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.75% | ||
| ROE | 12.63% | ||
| ROCE | 15.8% | ||
| ROIC | 10.68% | ||
| ROICexc | 12.5% | ||
| ROICexgc | 17.23% | ||
| OM | 14.62% | ||
| PM (TTM) | 9.65% | ||
| GM | 50.2% | ||
| FCFM | 10.02% |
ROA(3y)7.94%
ROA(5y)8.14%
ROE(3y)11.76%
ROE(5y)11.99%
ROIC(3y)10.53%
ROIC(5y)9.82%
ROICexc(3y)11.97%
ROICexc(5y)11.57%
ROICexgc(3y)15.7%
ROICexgc(5y)14.97%
ROCE(3y)15.19%
ROCE(5y)14.18%
ROICexgc growth 3Y-6.4%
ROICexgc growth 5Y-3.15%
ROICexc growth 3Y-7.82%
ROICexc growth 5Y-5.55%
OM growth 3Y-1.06%
OM growth 5Y-3.04%
PM growth 3Y-17.44%
PM growth 5Y1.33%
GM growth 3Y-0.4%
GM growth 5Y0.02%
F-Score4
Asset Turnover0.8
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.66 | ||
| Debt/EBITDA | 0.69 | ||
| Cap/Depr | 77.94% | ||
| Cap/Sales | 4.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.03% | ||
| Profit Quality | 103.81% | ||
| Current Ratio | 2.13 | ||
| Quick Ratio | 1.38 | ||
| Altman-Z | 3.55 |
F-Score4
WACC7.59%
ROIC/WACC1.41
Cap/Depr(3y)81.53%
Cap/Depr(5y)76.75%
Cap/Sales(3y)4.3%
Cap/Sales(5y)4.42%
Profit Quality(3y)111.65%
Profit Quality(5y)138.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-3.87%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-30.49%
EPS Next Y-11.94%
EPS Next 2Y-3.92%
EPS Next 3Y-2.03%
EPS Next 5Y-1.25%
Revenue 1Y (TTM)-2.95%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-5.5%
Revenue Next Year-2.74%
Revenue Next 2Y-1.47%
Revenue Next 3Y-0.22%
Revenue Next 5Y4.02%
EBIT growth 1Y-2.6%
EBIT growth 3Y5.11%
EBIT growth 5Y-0.7%
EBIT Next Year30.27%
EBIT Next 3Y11.01%
EBIT Next 5Y10.22%
FCF growth 1Y19.73%
FCF growth 3Y9.57%
FCF growth 5Y4.88%
OCF growth 1Y9.65%
OCF growth 3Y8.44%
OCF growth 5Y2.37%
SOCIETE BIC SA / BB.PA FAQ
Can you provide the ChartMill fundamental rating for SOCIETE BIC SA?
ChartMill assigns a fundamental rating of 7 / 10 to BB.PA.
What is the valuation status of SOCIETE BIC SA (BB.PA) stock?
ChartMill assigns a valuation rating of 7 / 10 to SOCIETE BIC SA (BB.PA). This can be considered as Undervalued.
What is the profitability of BB stock?
SOCIETE BIC SA (BB.PA) has a profitability rating of 8 / 10.
What is the expected EPS growth for SOCIETE BIC SA (BB.PA) stock?
The Earnings per Share (EPS) of SOCIETE BIC SA (BB.PA) is expected to decline by -11.94% in the next year.
Is the dividend of SOCIETE BIC SA sustainable?
The dividend rating of SOCIETE BIC SA (BB.PA) is 6 / 10 and the dividend payout ratio is 87.64%.