AXA SA (CS.PA) Fundamental Analysis & Valuation

Q: What is the ChartMill fundamental rating of AXA SA (CS.PA) stock?

ChartMill assigns a fundamental rating of 6 / 10 to CS.PA.

Q: Can you provide the profitability details for AXA SA?

AXA SA (CS.PA) has a profitability rating of 6 / 10.

Q: What is the financial health of AXA SA (CS.PA) stock?

The financial health rating of AXA SA (CS.PA) is 5 / 10.

EPA:CS • FR0000120628

40.77 EUR

-0.26 (-0.63%)

Last: Apr 27, 2026, 07:00 PM

This CS.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1. CS.PA Profitability Analysis

1.1 Basic Checks

CS had positive earnings in the past year.
CS had a positive operating cash flow in the past year.
CS had positive earnings in each of the past 5 years.
Each year in the past 5 years CS had a positive operating cash flow.

1.2 Ratios

CS's Return On Assets of 1.51% is in line compared to the rest of the industry. CS outperforms 44.74% of its industry peers.
The Return On Equity of CS (20.40%) is better than 68.42% of its industry peers.
CS's Return On Invested Capital of 1.28% is fine compared to the rest of the industry. CS outperforms 63.16% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CS is in line with the industry average of 2.62%.
The 3 year average ROIC (1.22%) for CS is below the current ROIC(1.28%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	1.51%
ROE	20.4%
ROIC	1.28%

ROA(3y)1.26%

ROA(5y)1.14%

ROE(3y)16.64%

ROE(5y)14.8%

ROIC(3y)1.22%

ROIC(5y)1.19%

1.3 Margins

With a decent Profit Margin value of 10.48%, CS is doing good in the industry, outperforming 60.53% of the companies in the same industry.
In the last couple of years the Profit Margin of CS has grown nicely.
CS has a Operating Margin (11.51%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CS has grown nicely.

		Industry Rank	Sector Rank
OM	11.51%
PM (TTM)	10.48%
GM	N/A

OM growth 3Y3.64%

OM growth 5Y14.49%

PM growth 3Y19.31%

PM growth 5Y31.84%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. CS.PA Health Analysis

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CS is destroying value.
CS has less shares outstanding than it did 1 year ago.
CS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CS has been reduced compared to a year ago.

2.2 Solvency

Based on the Altman-Z score of 0.37, we must say that CS is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of CS (0.37) is better than 89.47% of its industry peers.
The Debt to FCF ratio of CS is 1.22, which is an excellent value as it means it would take CS, only 1.22 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.22, CS is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
A Debt/Equity ratio of 0.57 indicates that CS is somewhat dependend on debt financing.
CS has a Debt to Equity ratio (0.57) which is comparable to the rest of the industry.
Even though the debt/equity ratio score it not favorable for CS, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	1.22
Altman-Z	0.37

ROIC/WACC0.13

WACC9.54%

2.3 Liquidity

CS has a Current Ratio of 0.86. This is a bad value and indicates that CS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.86, CS is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
A Quick Ratio of 0.86 indicates that CS may have some problems paying its short term obligations.
The Quick ratio of CS (0.86) is better than 76.32% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.86
Quick Ratio	0.86

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. CS.PA Growth Analysis

3.1 Past

CS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.52%.
CS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.68% yearly.
Looking at the last year, CS shows a small growth in Revenue. The Revenue has grown by 5.76% in the last year.
The Revenue has been decreasing by -4.15% on average over the past years.

EPS 1Y (TTM)7.52%

EPS 3Y7.81%

EPS 5Y17.68%

EPS Q2Q%6.4%

Revenue 1Y (TTM)5.76%

Revenue growth 3Y-4.44%

Revenue growth 5Y-4.15%

Sales Q2Q%17.13%

3.2 Future

CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.47% yearly.
Based on estimates for the next years, CS will show a quite strong growth in Revenue. The Revenue will grow by 8.19% on average per year.

EPS Next Y11.01%

EPS Next 2Y9.18%

EPS Next 3Y8.36%

EPS Next 5Y6.47%

Revenue Next Year1.42%

Revenue Next 2Y4.12%

Revenue Next 3Y3.25%

Revenue Next 5Y8.19%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

More info and screens

Find the best growth stocks Show best growing peers

4. CS.PA Valuation Analysis

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.56, which indicates a very decent valuation of CS.
Compared to the rest of the industry, the Price/Earnings ratio of CS indicates a somewhat cheap valuation: CS is cheaper than 78.95% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.35, CS is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.51, the valuation of CS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CS is valued a bit cheaper than the industry average as 78.95% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CS to the average of the S&P500 Index (22.23), we can say CS is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.56
Fwd PE	9.51

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CS is valued cheaply inside the industry as 81.58% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.89
EV/EBITDA	N/A

4.3 Compensation for Growth

CS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of CS may justify a higher PE ratio.

PEG (NY)0.96

PEG (5Y)0.6

EPS Next 2Y9.18%

EPS Next 3Y8.36%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. CS.PA Dividend Analysis

5.1 Amount

CS has a Yearly Dividend Yield of 5.62%, which is a nice return.
CS's Dividend Yield is rather good when compared to the industry average which is at 4.46. CS pays more dividend than 81.58% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.82, CS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.62%

5.2 History

On average, the dividend of CS grows each year by 25.07%, which is quite nice.

Dividend Growth(5Y)25.07%

Div Incr Years5

Div Non Decr Years5

5.3 Sustainability

49.13% of the earnings are spent on dividend by CS. This is a bit on the high side, but may be sustainable.
The dividend of CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP49.13%

EPS Next 2Y9.18%

EPS Next 3Y8.36%

More info and screens

Find the best dividend stocks Show peers with best dividend

CS.PA Fundamentals: All Metrics, Ratios and Statistics

AXA SA

EPA:CS (4/27/2026, 7:00:00 PM)

40.77

-0.26 (-0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-26 2026-02-26/bmo

Earnings (Next)07-30 2026-07-30

Inst Owners38.28%

Inst Owner ChangeN/A

Ins Owners0.1%

Ins Owner ChangeN/A

Market Cap85.23B

Revenue(TTM)91.79B

Net Income(TTM)9.62B

Analysts82.67

Price Target46.89 (15.01%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.62%

Yearly Dividend2.24

Dividend Growth(5Y)25.07%

DP49.13%

Div Incr Years5

Div Non Decr Years5

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)1.96%

PT rev (3m)2.89%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.5%

EPS NY rev (3m)0.31%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.26%

Revenue NY rev (3m)-6.42%

Valuation

		Industry Rank	Sector Rank
PE	10.56
Fwd PE	9.51
P/S	0.93
P/FCF	3.89
P/OCF	3.81
P/B	1.81
P/tB	3.41
EV/EBITDA	N/A

EPS(TTM)3.86

EY9.47%

EPS(NY)4.28

Fwd EY10.51%

FCF(TTM)10.49

FCFY25.72%

OCF(TTM)10.69

OCFY26.23%

SpS43.9

BVpS22.56

TBVpS11.94

PEG (NY)0.96

PEG (5Y)0.6

Graham Number44.2675 (8.58%)

Profitability

		Industry Rank	Sector Rank
ROA	1.51%
ROE	20.4%
ROCE	1.69%
ROIC	1.28%
ROICexc	1.33%
ROICexgc	1.78%
OM	11.51%
PM (TTM)	10.48%
GM	N/A
FCFM	23.89%

ROA(3y)1.26%

ROA(5y)1.14%

ROE(3y)16.64%

ROE(5y)14.8%

ROIC(3y)1.22%

ROIC(5y)1.19%

ROICexc(3y)1.26%

ROICexc(5y)1.24%

ROICexgc(3y)1.66%

ROICexgc(5y)1.61%

ROCE(3y)1.61%

ROCE(5y)1.58%

ROICexgc growth 3Y-0.47%

ROICexgc growth 5Y17.44%

ROICexc growth 3Y-1.21%

ROICexc growth 5Y14.97%

OM growth 3Y3.64%

OM growth 5Y14.49%

PM growth 3Y19.31%

PM growth 5Y31.84%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.14

Health

		Industry Rank	Sector Rank
Debt/Equity	0.57
Debt/FCF	1.22
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.47%
Interest Coverage	2.24
Cash Conversion	N/A
Profit Quality	227.84%
Current Ratio	0.86
Quick Ratio	0.86
Altman-Z	0.37

F-Score8

WACC9.54%

ROIC/WACC0.13

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.5%

Cap/Sales(5y)0.43%

Profit Quality(3y)144.7%

Profit Quality(5y)135.51%

High Growth Momentum

Growth

EPS 1Y (TTM)7.52%

EPS 3Y7.81%

EPS 5Y17.68%

EPS Q2Q%6.4%

EPS Next Y11.01%

EPS Next 2Y9.18%

EPS Next 3Y8.36%

EPS Next 5Y6.47%

Revenue 1Y (TTM)5.76%

Revenue growth 3Y-4.44%

Revenue growth 5Y-4.15%

Sales Q2Q%17.13%

Revenue Next Year1.42%

Revenue Next 2Y4.12%

Revenue Next 3Y3.25%

Revenue Next 5Y8.19%

EBIT growth 1Y0.54%

EBIT growth 3Y-0.96%

EBIT growth 5Y9.73%

EBIT Next Year14.71%

EBIT Next 3Y8.27%

EBIT Next 5YN/A

FCF growth 1Y82.85%

FCF growth 3Y46.03%

FCF growth 5Y-0.29%

OCF growth 1Y79.3%

OCF growth 3Y44.6%

OCF growth 5Y-0.25%

AXA SA / CS.PA Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AXA SA (CS.PA) stock?

ChartMill assigns a fundamental rating of 6 / 10 to CS.PA.

What is the valuation status of AXA SA (CS.PA) stock?

ChartMill assigns a valuation rating of 7 / 10 to AXA SA (CS.PA). This can be considered as Undervalued.

Can you provide the profitability details for AXA SA?

AXA SA (CS.PA) has a profitability rating of 6 / 10.

What is the financial health of AXA SA (CS.PA) stock?

The financial health rating of AXA SA (CS.PA) is 5 / 10.

Can you provide the expected EPS growth for CS stock?

The Earnings per Share (EPS) of AXA SA (CS.PA) is expected to grow by 11.01% in the next year.