AXA SA (CS.PA) Stock Fundamental Analysis
EPA:CS - Euronext Paris - Matif - FR0000120628 - Common Stock - Currency: EUR
Overall CS gets a fundamental rating of 5 out of 10. We evaluated CS against 39 industry peers in the Insurance industry. CS has only an average score on both its financial health and profitability. CS is not valued too expensively and it also shows a decent growth rate. Finally CS also has an excellent dividend rating. With these ratings, CS could be worth investigating further for dividend investing!.
1. Profitability
1.1 Basic Checks
In the past year CS was profitable.
CS had a positive operating cash flow in the past year.
In the past 5 years CS has always been profitable.
Each year in the past 5 years CS had a positive operating cash flow.
1.2 Ratios
CS's Return On Assets of 1.18% is in line compared to the rest of the industry. CS outperforms 56.41% of its industry peers.
Looking at the Return On Equity, with a value of 15.39%, CS is in the better half of the industry, outperforming 64.10% of the companies in the same industry.
The Return On Invested Capital of CS (1.33%) is comparable to the rest of the industry.
CS had an Average Return On Invested Capital over the past 3 years of 1.29%. This is in line with the industry average of 2.14%.
The last Return On Invested Capital (1.33%) for CS is above the 3 year average (1.29%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROIC | 1.33% |
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
The Profit Margin of CS (8.80%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CS has grown nicely.
CS's Operating Margin of 12.32% is in line compared to the rest of the industry. CS outperforms 53.85% of its industry peers.
CS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| 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), CS is destroying value.
CS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CS has less shares outstanding
The debt/assets ratio for CS is higher compared to a year ago.
2.2 Solvency
CS has an Altman-Z score of 0.36. This is a bad value and indicates that CS is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of 0.36, CS belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
The Debt to FCF ratio of CS is 2.19, which is a good value as it means it would take CS, 2.19 years of fcf income to pay off all of its debts.
CS's Debt to FCF ratio of 2.19 is fine compared to the rest of the industry. CS outperforms 74.36% of its industry peers.
A Debt/Equity ratio of 0.53 indicates that CS is somewhat dependend on debt financing.
CS's Debt to Equity ratio of 0.53 is fine compared to the rest of the industry. CS outperforms 64.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | 0.36 |
ROIC/WACC0.13
WACC10.44%
2.3 Liquidity
CS has a Current Ratio of 0.87. 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 0.87, CS belongs to the top of the industry, outperforming 87.18% of the companies in the same industry.
CS has a Quick Ratio of 0.87. This is a bad value and indicates that CS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of CS (0.87) is better than 87.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
CS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.08%, which is quite good.
Measured over the past years, CS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.09% on average per year.
The Revenue has been growing slightly by 4.38% in the past year.
CS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
EPS 1Y (TTM)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
3.2 Future
Based on estimates for the next years, CS will show a small growth in Earnings Per Share. The EPS will grow by 5.12% on average per year.
The Revenue is expected to grow by 7.15% on average over the next years.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y5.12%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.15%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.57 indicates a reasonable valuation of CS.
Based on the Price/Earnings ratio, CS is valued a bit cheaper than 69.23% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.41, CS is valued rather cheaply.
A Price/Forward Earnings ratio of 10.37 indicates a reasonable valuation of CS.
CS's Price/Forward Earnings ratio is in line with the industry average.
CS is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.19, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.37 |
4.2 Price Multiples
CS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CS is cheaper than 64.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
CS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1
PEG (5Y)0.64
EPS Next 2Y9.13%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
CS has a Yearly Dividend Yield of 5.16%, which is a nice return.
Compared to an average industry Dividend Yield of 4.54, CS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
5.2 History
The dividend of CS 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
CS pays out 57.97% of its income as dividend. This is a bit on the high side, but may be sustainable.
CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP57.97%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPA:CS (7/14/2025, 1:19:17 PM)
41.525
-0.16 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.99%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap92.00B
Analysts81.54
Price Target44.83 (7.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.16% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP57.97%
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)2.25%
PT rev (3m)4.68%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 10.37 | ||
| P/S | 1.05 | ||
| P/FCF | 7.67 | ||
| P/OCF | 7.38 | ||
| P/B | 1.84 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.65%
EPS(NY)4.01
Fwd EY9.65%
FCF(TTM)5.41
FCFY13.03%
OCF(TTM)5.63
OCFY13.55%
SpS39.42
BVpS22.54
TBVpS12.36
PEG (NY)1
PEG (5Y)0.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROCE | 1.67% | ||
| ROIC | 1.33% | ||
| ROICexc | 1.37% | ||
| ROICexgc | 1.79% | ||
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| GM | N/A | ||
| FCFM | 13.73% |
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%
ROICexcg growth 3Y10.47%
ROICexcg 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 Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 1.72 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 156.03% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 | ||
| Altman-Z | 0.36 |
F-Score7
WACC10.44%
ROIC/WACC0.13
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)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y5.12%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.15%
EBIT growth 1Y18.59%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.76%
EBIT Next 3Y11.02%
EBIT Next 5YN/A
FCF growth 1Y240.94%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y216.74%
OCF growth 3Y7.85%
OCF growth 5Y9.48%