SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis
EPA:BB - Euronext Paris - Matif - FR0000120966 - Common Stock - Currency: EUR
Taking everything into account, BB scores 7 out of 10 in our fundamental rating. BB was compared to 40 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 is valued quite cheap, but it does not seem to be growing. Finally BB also has an excellent dividend rating. These ratings could make BB a good candidate for value and dividend investing.
1. Profitability
1.1 Basic Checks
In the past year BB was profitable.
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
Looking at the Return On Assets, with a value of 11.28%, BB belongs to the top of the industry, outperforming 97.50% of the companies in the same industry.
With an excellent Return On Equity value of 17.83%, BB belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
BB's Return On Invested Capital of 15.23% is amongst the best of the industry. BB outperforms 97.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BB is above the industry average of 7.17%.
The 3 year average ROIC (10.53%) for BB is below the current ROIC(15.23%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.28% | ||
| ROE | 17.83% | ||
| ROIC | 15.23% |
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
Looking at the Profit Margin, with a value of 9.82%, BB belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
With an excellent Operating Margin value of 14.66%, BB belongs to the best of the industry, outperforming 92.50% of the companies in the same industry.
In the last couple of years the Operating Margin of BB has declined.
BB has a Gross Margin of 50.47%. This is comparable to the rest of the industry: BB outperforms 50.00% of its industry peers.
BB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.66% | ||
| PM (TTM) | 9.82% | ||
| GM | 50.47% |
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
BB has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
BB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, BB has less shares outstanding
Compared to 1 year ago, BB has a worse debt to assets ratio.
2.2 Solvency
BB has an Altman-Z score of 4.30. This indicates that BB is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of BB (4.30) is better than 100.00% of its industry peers.
The Debt to FCF ratio of BB is 1.24, which is an excellent value as it means it would take BB, only 1.24 years of fcf income to pay off all of its debts.
BB has a Debt to FCF ratio of 1.24. This is amongst the best in the industry. BB outperforms 90.00% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that BB is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.15, BB belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | 4.3 |
ROIC/WACC2.04
WACC7.45%
2.3 Liquidity
BB has a Current Ratio of 2.21. This indicates that BB is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of BB (2.21) is better than 80.00% of its industry peers.
BB has a Quick Ratio of 1.42. 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 1.42 is fine compared to the rest of the industry. BB outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.21 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
BB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.29%.
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.
BB shows a decrease in Revenue. In the last year, the revenue decreased by -3.10%.
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)-2.29%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-2.51%
Revenue 1Y (TTM)-3.1%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-2.69%
3.2 Future
Based on estimates for the next years, BB will show a small growth in Earnings Per Share. The EPS will grow by 0.71% on average per year.
The Revenue is expected to grow by 4.02% on average over the next years.
EPS Next Y2.86%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
EPS Next 5Y0.71%
Revenue Next Year-0.35%
Revenue Next 2Y1.14%
Revenue Next 3Y1.82%
Revenue Next 5Y4.02%
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
With a Price/Earnings ratio of 6.98, the valuation of BB can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of BB indicates a rather cheap valuation: BB is cheaper than 90.00% of the companies listed in the same industry.
BB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.46.
The Price/Forward Earnings ratio is 8.75, which indicates a very decent valuation of BB.
BB's Price/Forward Earnings ratio is rather cheap when compared to the industry. BB is cheaper than 85.00% of the companies in the same industry.
BB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BB indicates a rather cheap valuation: BB is cheaper than 95.00% of the companies listed in the same industry.
65.00% of the companies in the same industry are more expensive than BB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.18 | ||
| EV/EBITDA | 3.41 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BB does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of BB may justify a higher PE ratio.
PEG (NY)2.44
PEG (5Y)1.35
EPS Next 2Y3.81%
EPS Next 3Y3.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.75%, BB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.22, BB pays a better dividend. On top of this BB pays more dividend than 90.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, BB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
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
55.64% of the earnings are spent on dividend by BB. This is a bit on the high side, but may be sustainable.
BB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.64%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
EPA:BB (7/21/2025, 7:00:00 PM)
53.2
-0.8 (-1.48%)
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 Target63.97 (20.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.75% |
Yearly Dividend4.29
Dividend Growth(5Y)4.53%
DP55.64%
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)-2.88%
PT rev (3m)-15.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | 8.75 | ||
| P/S | 0.68 | ||
| P/FCF | 8.18 | ||
| P/OCF | 6.19 | ||
| P/B | 1.23 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | 3.41 |
EPS(TTM)7.62
EY14.32%
EPS(NY)6.08
Fwd EY11.43%
FCF(TTM)6.5
FCFY12.22%
OCF(TTM)8.59
OCFY16.16%
SpS78.28
BVpS43.09
TBVpS29.7
PEG (NY)2.44
PEG (5Y)1.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 11.28% | ||
| ROE | 17.83% | ||
| ROCE | 22.21% | ||
| ROIC | 15.23% | ||
| ROICexc | 19.14% | ||
| ROICexgc | 27.77% | ||
| OM | 14.66% | ||
| PM (TTM) | 9.82% | ||
| GM | 50.47% | ||
| FCFM | 8.31% |
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 Turnover1.15
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | 0.45 | ||
| Cap/Depr | 75.57% | ||
| Cap/Sales | 2.67% | ||
| Interest Coverage | 39.46 | ||
| Cash Conversion | 60.34% | ||
| Profit Quality | 84.61% | ||
| Current Ratio | 2.21 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | 4.3 |
F-Score4
WACC7.45%
ROIC/WACC2.04
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)-2.29%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-2.51%
EPS Next Y2.86%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
EPS Next 5Y0.71%
Revenue 1Y (TTM)-3.1%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-2.69%
Revenue Next Year-0.35%
Revenue Next 2Y1.14%
Revenue Next 3Y1.82%
Revenue Next 5Y4.02%
EBIT growth 1Y-1.15%
EBIT growth 3Y5.11%
EBIT growth 5Y-0.7%
EBIT Next Year31.67%
EBIT Next 3Y11.78%
EBIT Next 5Y10.22%
FCF growth 1Y8.8%
FCF growth 3Y9.57%
FCF growth 5Y4.88%
OCF growth 1Y1.25%
OCF growth 3Y8.44%
OCF growth 5Y2.37%