SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis
EPA:BB - FR0000120966 - Common Stock
53.1 EUR
+1.1 (+2.12%)
Overall BB gets a fundamental rating of 7 out of 10. We evaluated BB against 42 industry peers in the Commercial Services & Supplies industry. BB gets an excellent profitability rating and is at the same time showing great financial health properties. BB has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
BB had positive earnings in the past year.
In the past year BB had a positive cash flow from operations.
Each year in the past 5 years BB has been profitable.
In the past 5 years BB always reported a positive cash flow from operatings.
1.2 Ratios
BB's Return On Assets of 7.75% is amongst the best of the industry. BB outperforms 88.10% of its industry peers.
The Return On Equity of BB (12.63%) is better than 76.19% of its industry peers.
BB has a better Return On Invested Capital (10.68%) than 90.48% of its industry peers.
The Average Return On Invested Capital over the past 3 years for BB is above the industry average of 7.45%.
The 3 year average ROIC (10.53%) for BB is below the current ROIC(10.68%), indicating increased profibility in the last year.
| 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 88.10% of its industry peers.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
BB has a Operating Margin of 14.62%. This is amongst the best in the industry. BB outperforms 88.10% of its industry peers.
BB's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 50.20%, BB perfoms like the industry average, outperforming 54.76% of the companies in the same industry.
In the last couple of years the Gross Margin of BB has remained more or less at the same level.
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), BB is creating some value.
BB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BB has been reduced compared to 5 years ago.
The debt/assets ratio for BB is higher compared to a year ago.
2.2 Solvency
BB has an Altman-Z score of 3.63. This indicates that BB is financially healthy and has little risk of bankruptcy at the moment.
BB has a better Altman-Z score (3.63) than 92.86% of its industry peers.
BB has a debt to FCF ratio of 1.66. This is a very positive value and a sign of high solvency as it would only need 1.66 years to pay back of all of its debts.
BB has a Debt to FCF ratio of 1.66. This is amongst the best in the industry. BB outperforms 83.33% of its industry peers.
A Debt/Equity ratio of 0.18 indicates that BB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.18, BB belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | 3.63 |
ROIC/WACC1.43
WACC7.45%
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.
With an excellent Current ratio value of 2.13, BB belongs to the best of the industry, outperforming 80.95% of the companies in the same industry.
BB has a Quick Ratio of 1.38. This is a normal value and indicates that BB is financially healthy and should not expect problems in meeting its short term obligations.
BB's Quick ratio of 1.38 is fine compared to the rest of the industry. BB outperforms 78.57% 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%.
Measured over the past 5 years, BB shows a small growth in Earnings Per Share. The EPS has been growing by 5.19% on average per year.
Looking at the last year, BB shows a decrease in Revenue. The Revenue has decreased by -2.95% in the last year.
BB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.42% yearly.
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
BB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.68% yearly.
The Revenue is expected to grow by 4.02% on average over the next years.
EPS Next Y-4.93%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPS Next 5Y1.68%
Revenue Next Year-2.16%
Revenue Next 2Y0%
Revenue Next 3Y0.96%
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
A Price/Earnings ratio of 10.54 indicates a reasonable valuation of BB.
Based on the Price/Earnings ratio, BB is valued cheaper than 85.71% of the companies in the same industry.
When comparing the Price/Earnings ratio of BB to the average of the S&P500 Index (27.03), we can say BB is valued rather cheaply.
BB is valuated reasonably with a Price/Forward Earnings ratio of 8.97.
Based on the Price/Forward Earnings ratio, BB is valued cheaply inside the industry as 90.48% of the companies are valued more expensively.
BB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 8.97 |
4.2 Price Multiples
80.95% of the companies in the same industry are more expensive than BB, based on the Enterprise Value to EBITDA ratio.
BB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.04 | ||
| EV/EBITDA | 4.78 |
4.3 Compensation for Growth
The excellent profitability rating of BB may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.03
EPS Next 2Y0.05%
EPS Next 3Y1.44%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.76%, BB is a good candidate for dividend investing.
BB's Dividend Yield is rather good when compared to the industry average which is at 4.26. BB pays more dividend than 90.48% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, BB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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
BB pays out 87.64% of its income as dividend. This is not a sustainable payout ratio.
BB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP87.64%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPA:BB (9/4/2025, 7:00:00 PM)
53.1
+1.1 (+2.12%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners24.75%
Inst Owner ChangeN/A
Ins Owners7.23%
Ins Owner ChangeN/A
Market Cap2.21B
Analysts80
Price Target64.11 (20.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.76% |
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)0.23%
PT rev (3m)-2.65%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-7.57%
EPS NY rev (3m)-7.57%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)-1.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 8.97 | ||
| P/S | 1.01 | ||
| P/FCF | 10.04 | ||
| P/OCF | 7.14 | ||
| P/B | 1.32 | ||
| P/tB | 1.88 | ||
| EV/EBITDA | 4.78 |
EPS(TTM)5.04
EY9.49%
EPS(NY)5.92
Fwd EY11.15%
FCF(TTM)5.29
FCFY9.96%
OCF(TTM)7.44
OCFY14.01%
SpS52.78
BVpS40.34
TBVpS28.17
PEG (NY)N/A
PEG (5Y)2.03
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%
ROICexcg growth 3Y-6.4%
ROICexcg 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 | 3.63 |
F-Score4
WACC7.45%
ROIC/WACC1.43
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-4.93%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPS Next 5Y1.68%
Revenue 1Y (TTM)-2.95%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-5.5%
Revenue Next Year-2.16%
Revenue Next 2Y0%
Revenue Next 3Y0.96%
Revenue Next 5Y4.02%
EBIT growth 1Y-2.6%
EBIT growth 3Y5.11%
EBIT growth 5Y-0.7%
EBIT Next Year31.67%
EBIT Next 3Y11.78%
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%