AXA SA (CS.PA) 27.165 +0.2 (+0.76%)
27.165 +0.2 (+0.76%)
FR0000120628 - Common Stock
Fundamental Rating
We assign a fundamental rating of 4 out of 10 to CS. CS was compared to 19 industry peers in the Insurance industry. Both the profitability and financial health of CS have multiple concerns. CS is not valued too expensively and it also shows a decent growth rate.
Profitability
Profitability Rating
CS has a good Piotroski-F score of 7.00. This indicates a good health and good profitability for CS.
CS has a Return On Assets of 0.99%. This is comparable to the industry average of 0.99%.
CS's Return On Equity of 13.49% is worse than the rest of the industry. The industry average Return On Equity is 15.70%.
CS's Profit Margin of 5.81% is worse than the rest of the industry. The industry average Profit Margin is 5.83%.
VS Industry
ROA (0.99%) VS Industry: 46% outperformed.
0.20
6.84
ROE (13.49%) VS Industry: 33% outperformed.
2.40
29.47
Profit Margin (5.81%) VS Industry: 33% outperformed.
2.42
27.91
Valuation
Valuation Rating
The Price/Earnings Ratio is 9.30, which indicates a very decent valuation of CS.
With a Forward Price/Earnings Ratio of 7.71, the valuation of CS can be described as cheap.
CS's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CS's Price/Earning Ratio is in line with the industry average which is at 9.30.
With a price book ratio of 1.14, CS is valued correctly.
Compared to an average industry price book ratio of 1.08, CS is valued more expensive than its industry peers.
Compared to an average industry Enterprise Value to EBITDA ratio of 5.50, CS is valued more expensive than its industry peers.
VS Industry
Price/Earnings (9.3) VS Industry: 46% outperformed.
23.98
3.29
Price/Book (1.14) VS Industry: 38% outperformed.
3.96
0.42
Enterprise Value/ EBITDA (5.52) VS Industry: 40% outperformed.
67.79
3.08
Growth
Growth Rating
The Earnings Per Share has grown by an impressive 22.18% over the past year.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last 5 years to the growth rate of the upcoming 5 years, we see that the growth is accelerating.
The Earnings Per Share has been growing slightly by 2.67% on average over the past 5 years.
The Earnings Per Share is expected to grow by 8.01% on average over the next 5 years.
CS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.79%.
Measured over the past 5 years, CS shows a decrease in Revenue. The Revenue has been decreasing by -0.88% on average per year.
CS is expected to show a small growth in Revenue. In the coming 5 years, the Revenue will grow by 2.98% yearly.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 2.67% | 3.37% | 22.18% | 16.47% | 13.21% | 11.05% | 8.01% |
| Revenue | -0.88% | 4.34% | 7.79% | 3.28% | 4.13% | 3.87% | 2.98% |
Health
Health Rating
The Piotroski-F score of CS is 7.00. This is a strong score and indicates good health and profitability for CS.
The Debt to Equity ratio of CS is in line with the industry averages.
CS has a Altman-Z score comparable to the industry average, which is at 0.34.
A Current Ratio of 0.93 indicates that CS may have some problems paying its short term obligations.
Compared to an average industry Current Ratio of 0.93, CS is worse placed to pay its short term obligations than its industry peers.
CS has a Quick Ratio of 0.93. This is a bad value and indicates that CS is not financially healthy enough and could expect problems in meeting its short term obligations.
When comparing the Quick Ratio of CS to the average industry Current Ratio of 0.93, CS is less able to pay its short term obligations than its industry peers.
CS has an Altman-Z score of 0.28. This is a bad value and indicates that CS is not financially healthy and even has some risk of bankruptcy.
VS Industry
Debt/Equity (0.47) VS Industry: 50% outperformed.
1.55
0.13
Quick Ratio (0.93) VS Industry: 37% outperformed.
0.14
89.12
Current Ratio (0.93) VS Industry: 37% outperformed.
0.14
89.12
Altman-Z (0.28) VS Industry: 42% outperformed.
0.14
1.21
Dividend
Dividend Rating
CS has a Yearly Dividend Yield of 6.55%, which is a nice return.
CS's Dividend Yield is a higher than the industry average which is at 5.89.
Compared to an average S&P500 Dividend Yield of 2.60, CS pays a better dividend.
CS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
The dividend of CS has a limited annual growth rate of 4.75%.
54.11% of the earnings are spent on dividend by CS. This is a bit on the high side, but may be sustainable.
VS Industry
Dividend Yield (6.55%) VS Industry: 64% outperformed.
3.45
11.98
AXA SA27.165
EPA:CS (3/28/2023, 5:35:30 PM)+0.2 (+0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap59.92B
Analysts84
Price Target33.73 (24.17%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.55% |
Dividend Growth(5Y)4.75%
DP54.11%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.72%
Min EPS beat(2)9.72%
Max EPS beat(2)9.72%
EPS beat(4)1
Avg EPS beat(4)-1.42%
Min EPS beat(4)-12.55%
Max EPS beat(4)9.72%
Revenue beat(2)N/A
Avg Revenue beat(2)-14.27%
Min Revenue beat(2)-14.27%
Max Revenue beat(2)-14.27%
Revenue beat(4)1
Avg Revenue beat(4)7.94%
Min Revenue beat(4)-14.27%
Max Revenue beat(4)30.16%
PT rev (1m)3.26%
PT rev (3m)5.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.05%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.3 | ||
| Fwd PE | 7.71 | ||
| P/S | 0.49 | ||
| P/FCF | 8.24 | ||
| P/OCF | 7.9 | ||
| P/B | 1.14 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | 5.52 |
EPS(TTM)2.92
EY10.75%
EPS(NY)3.52
Fwd EY12.97%
FCF(TTM)3.3
FCFY12.14%
OCF(TTM)3.44
OCFY12.65%
SpS55.44
BVpS23.86
TBVpS13.74
PEG (NY)0.56
PEG (5Y)3.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 13.49% | ||
| ROIC | 1.06% | ||
| ROICexc | 1.09% | ||
| ROICexgc | 1.38% | ||
| OM | 8.1% | ||
| PM | 5.81% | ||
| GM | N/A |
ROICexgc(3y)0.95%
ROICexcg growth 3Y4.92%
ROICexcg growth 5Y0.68%
ROICexc(3y)0.78%
ROICexc growth 3Y6.9%
ROICexc growth 5Y2.16%
OM growth 3Y-2.86%
OM growth 5Y0.58%
PM growth 3Y49.31%
PM growth 5Y5.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.17
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.47 | ||
| Debt/FCF | 3.4 | ||
| Debt/EBITDA | 2.3 | ||
| Cap/Depr | 35.63% | ||
| Profit Quality | 102.42% | ||
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 | ||
| Altman-Z | 0.28 |
F-Score7
WACC6.59%
ROIC/WACC0.21
Cap/Depr(3y)35.63%
Cap/Depr(5y)50.5%
Profit Quality(3y)362.29%
Profit Quality(5y)347.71%
Growth
EPS 1Y22.18%
EPS 3Y3.37%
EPS 5Y2.67%
EPS growth Q2Q11.49%
EPS Next Y16.47%
EPS Next 2Y13.21%
EPS Next 3Y11.05%
EPS Next 5Y8.01%
Revenue growth 1Y7.79%
Revenue growth 3Y4.34%
Revenue growth 5Y-0.88%
Revenue growth Q2Q-22.6%
Revenue Next Year3.28%
Revenue Next 2Y4.13%
Revenue Next 3Y3.87%
Revenue Next 5Y2.98%
EBIT growth 1Y48.43%
EBIT growth 3Y1.35%
EBIT growth 5Y-0.3%
EBIT Next Year16.35%
EBIT Next 3Y9.03%
EBIT Next 5Y7.19%
FCF growth 1Y-58.35%
FCF growth 3Y10.16%
FCF growth 5Y-6.01%
OCF growth 1Y-57.53%
OCF growth 3Y9.19%
OCF growth 5Y-6%
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