AXA SA (CS.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:CS - FR0000120628 - Common Stock
38.14 EUR
+0.36 (+0.95%)
CS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 40 industry peers in the Insurance industry. CS has an average financial health and profitability rating. CS is not valued too expensively and it also shows a decent growth rate. Finally CS also has an excellent dividend rating. These ratings could make CS a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
CS had positive earnings in the past year.
CS had a positive operating cash flow in the past year.
In the past 5 years CS has always been profitable.
In the past 5 years CS always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CS (1.18%) is comparable to the rest of the industry.
CS's Return On Equity of 16.72% is fine compared to the rest of the industry. CS outperforms 72.50% of its industry peers.
CS has a Return On Invested Capital (1.28%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for CS is in line with the industry average of 2.35%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROIC | 1.28% |
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
Looking at the Profit Margin, with a value of 8.52%, CS is in line with its industry, outperforming 50.00% 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 of 11.47%. This is comparable to the rest of the industry: CS outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of CS has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| 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.
Compared to 1 year ago, CS has less shares outstanding
Compared to 5 years ago, CS has less shares outstanding
Compared to 1 year ago, CS has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.35, we must say that CS is in the distress zone and has some risk of bankruptcy.
CS has a better Altman-Z score (0.35) than 90.00% of its industry peers.
The Debt to FCF ratio of CS is 1.41, which is an excellent value as it means it would take CS, only 1.41 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CS (1.41) is better than 82.50% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that CS is somewhat dependend on debt financing.
CS has a Debt to Equity ratio of 0.65. This is comparable to the rest of the industry: CS outperforms 55.00% of its industry peers.
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 | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.86%
2.3 Liquidity
CS has a Current Ratio of 0.82. This is a bad value and indicates that CS is not financially healthy enough and could expect problems in meeting its short term obligations.
CS has a Current ratio of 0.82. This is amongst the best in the industry. CS outperforms 87.50% of its industry peers.
A Quick Ratio of 0.82 indicates that CS may have some problems paying its short term obligations.
The Quick ratio of CS (0.82) is better than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
CS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.70%, 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 4.40% 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)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
3.2 Future
CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.71% yearly.
Based on estimates for the next years, CS will show a quite strong growth in Revenue. The Revenue will grow by 8.53% on average per year.
EPS Next Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
Revenue Next 5Y8.53%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
With a Price/Earnings ratio of 10.17, the valuation of CS can be described as very reasonable.
CS's Price/Earnings ratio is rather cheap when compared to the industry. CS is cheaper than 82.50% of the companies in the same industry.
CS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
With a Price/Forward Earnings ratio of 8.92, the valuation of CS can be described as very reasonable.
CS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CS is cheaper than 77.50% of the companies in the same industry.
CS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.92 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CS indicates a rather cheap valuation: CS is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.56
EPS Next 2Y9.15%
EPS Next 3Y8.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.58%, CS is a good candidate for dividend investing.
CS's Dividend Yield is rather good when compared to the industry average which is at 4.50. CS pays more dividend than 82.50% of the companies in the same industry.
CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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
61.79% of the earnings are spent on dividend by CS. This is not a sustainable payout ratio.
The dividend of CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPA:CS (11/21/2025, 7:00:00 PM)
38.14
+0.36 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.83%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap82.70B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.46 (19.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
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)-0.64%
PT rev (3m)0.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.07%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.92 | ||
| P/S | 0.93 | ||
| P/FCF | 3.95 | ||
| P/OCF | 3.86 | ||
| P/B | 1.82 | ||
| P/tB | 3.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.83%
EPS(NY)4.28
Fwd EY11.21%
FCF(TTM)9.65
FCFY25.31%
OCF(TTM)9.87
OCFY25.88%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.83
PEG (5Y)0.56
Graham Number42.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROCE | 1.62% | ||
| ROIC | 1.28% | ||
| ROICexc | 1.33% | ||
| ROICexgc | 1.74% | ||
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A | ||
| FCFM | 23.44% |
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%
ROICexgc growth 3Y10.47%
ROICexgc 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 Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.53% | ||
| Interest Coverage | 1.98 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 275.1% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.86%
ROIC/WACC0.12
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)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
EPS Next Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
Revenue Next 5Y8.53%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.92%
EBIT Next 3Y11.14%
EBIT Next 5YN/A
FCF growth 1Y150.74%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y145.39%
OCF growth 3Y7.85%
OCF growth 5Y9.48%
AXA SA / CS.PA FAQ
What is the ChartMill fundamental rating of AXA SA (CS.PA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CS.PA.
What is the valuation status for CS stock?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (CS.PA). This can be considered as Fairly Valued.
How profitable is AXA SA (CS.PA) stock?
AXA SA (CS.PA) has a profitability rating of 5 / 10.
What is the earnings growth outlook for AXA SA?
The Earnings per Share (EPS) of AXA SA (CS.PA) is expected to grow by 12.18% in the next year.
Is the dividend of AXA SA sustainable?
The dividend rating of AXA SA (CS.PA) is 7 / 10 and the dividend payout ratio is 61.79%.