SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:GLE - FR0000130809 - Common Stock
70.72 EUR
+2.02 (+2.94%)
We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 111 industry peers in the Banks industry. GLE has a bad profitability rating. Also its financial health evaluation is rather negative. GLE has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year GLE was profitable.
- In the past year GLE has reported a negative cash flow from operations.
- Of the past 5 years GLE 4 years were profitable.
- GLE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of GLE (0.47%) is worse than 72.97% of its industry peers.
- GLE has a Return On Equity (10.75%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROIC | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 9.37%, GLE is doing worse than 90.09% of the companies in the same industry.
- In the last couple of years the Profit Margin of GLE has declined.
- GLE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, GLE has about the same amount of shares outstanding.
- Compared to 5 years ago, GLE has less shares outstanding
- Compared to 1 year ago, GLE has a worse debt to assets ratio.
2.2 Solvency
- A Debt/Equity ratio of 1.09 is on the high side and indicates that GLE has dependencies on debt financing.
- GLE has a Debt to Equity ratio of 1.09. This is in the better half of the industry: GLE outperforms 69.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 74.58% over the past year.
- The Earnings Per Share has been growing slightly by 7.46% on average over the past years.
- GLE shows a small growth in Revenue. In the last year, the Revenue has grown by 5.57%.
- GLE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.58% yearly.
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
3.2 Future
- Based on estimates for the next years, GLE will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.65% on average per year.
- Based on estimates for the next years, GLE will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y48.87%
EPS Next 2Y31.12%
EPS Next 3Y26.45%
EPS Next 5Y8.65%
Revenue Next Year2.27%
Revenue Next 2Y2.41%
Revenue Next 3Y2.75%
Revenue Next 5Y3.02%
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 stable.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- GLE is valuated reasonably with a Price/Earnings ratio of 11.32.
- Compared to the rest of the industry, the Price/Earnings ratio of GLE is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of GLE to the average of the S&P500 Index (27.32), we can say GLE is valued rather cheaply.
- With a Price/Forward Earnings ratio of 9.41, the valuation of GLE can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of GLE indicates a rather cheap valuation: GLE is cheaper than 88.29% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of GLE to the average of the S&P500 Index (24.30), we can say GLE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 9.41 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- GLE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as GLE's earnings are expected to grow with 26.45% in the coming years.
PEG (NY)0.23
PEG (5Y)1.52
EPS Next 2Y31.12%
EPS Next 3Y26.45%
5. Dividend
5.1 Amount
- GLE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:GLE (1/22/2026, 5:36:15 PM)
70.72
+2.02 (+2.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-08 2026-01-08/bmo
Earnings (Next)02-06 2026-02-06/amc
Inst Owners47.13%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap54.23B
Revenue(TTM)78.21B
Net Income(TTM)7.34B
Analysts80.77
Price Target67.21 (-4.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.9
Dividend Growth(5Y)-16.56%
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.91%
Min EPS beat(2)13.7%
Max EPS beat(2)16.12%
EPS beat(4)4
Avg EPS beat(4)13.05%
Min EPS beat(4)8.57%
Max EPS beat(4)16.12%
EPS beat(8)5
Avg EPS beat(8)-0.08%
EPS beat(12)8
Avg EPS beat(12)8.46%
EPS beat(16)12
Avg EPS beat(16)28.39%
Revenue beat(2)2
Avg Revenue beat(2)0.55%
Min Revenue beat(2)0.31%
Max Revenue beat(2)0.78%
Revenue beat(4)4
Avg Revenue beat(4)1.5%
Min Revenue beat(4)0.31%
Max Revenue beat(4)2.8%
Revenue beat(8)6
Avg Revenue beat(8)0.42%
Revenue beat(12)8
Avg Revenue beat(12)21.24%
Revenue beat(16)12
Avg Revenue beat(16)49.84%
PT rev (1m)4.04%
PT rev (3m)8.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)0.12%
EPS NY rev (3m)4.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.32 | ||
| Fwd PE | 9.41 | ||
| P/S | 0.69 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.79 | ||
| P/tB | 0.86 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY8.84%
EPS(NY)7.51
Fwd EY10.62%
FCF(TTM)-61.1
FCFYN/A
OCF(TTM)-47.95
OCFYN/A
SpS102.16
BVpS89.05
TBVpS82.42
PEG (NY)0.23
PEG (5Y)1.52
Graham Number111.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.98% | ||
| Cap/Sales | 12.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.67%
ROIC/WACCN/A
Cap/Depr(3y)148.86%
Cap/Depr(5y)134.31%
Cap/Sales(3y)21.21%
Cap/Sales(5y)19.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
EPS Next Y48.87%
EPS Next 2Y31.12%
EPS Next 3Y26.45%
EPS Next 5Y8.65%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.27%
Revenue Next 2Y2.41%
Revenue Next 3Y2.75%
Revenue Next 5Y3.02%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-201.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-167.82%
OCF growth 3YN/A
OCF growth 5YN/A
SOCIETE GENERALE SA / GLE.PA FAQ
What is the ChartMill fundamental rating of SOCIETE GENERALE SA (GLE.PA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to GLE.PA.
Can you provide the valuation status for SOCIETE GENERALE SA?
ChartMill assigns a valuation rating of 5 / 10 to SOCIETE GENERALE SA (GLE.PA). This can be considered as Fairly Valued.
How profitable is SOCIETE GENERALE SA (GLE.PA) stock?
SOCIETE GENERALE SA (GLE.PA) has a profitability rating of 2 / 10.
What are the PE and PB ratios of SOCIETE GENERALE SA (GLE.PA) stock?
The Price/Earnings (PE) ratio for SOCIETE GENERALE SA (GLE.PA) is 11.32 and the Price/Book (PB) ratio is 0.79.
What is the expected EPS growth for SOCIETE GENERALE SA (GLE.PA) stock?
The Earnings per Share (EPS) of SOCIETE GENERALE SA (GLE.PA) is expected to grow by 48.87% in the next year.