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SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

Europe - EPA:GLE - FR0000130809 - Common Stock

54.32 EUR
-2.4 (-4.23%)
Last: 10/6/2025, 5:36:15 PM
Fundamental Rating

3

GLE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. Both the profitability and financial health of GLE have multiple concerns. GLE is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
Of the past 5 years GLE 4 years had a positive operating cash flow.
GLE.PA Yearly Net Income VS EBIT VS OCF VS FCFGLE.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.22%, GLE is doing worse than 88.42% of the companies in the same industry.
GLE's Return On Equity of 5.10% is on the low side compared to the rest of the industry. GLE is outperformed by 71.58% of its industry peers.
Industry RankSector Rank
ROA 0.22%
ROE 5.1%
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
GLE.PA Yearly ROA, ROE, ROICGLE.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6

1.3 Margins

With a Profit Margin value of 5.50%, GLE is not doing good in the industry: 88.42% of the companies in the same industry are doing better.
GLE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for GLE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 5.5%
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
GLE.PA Yearly Profit, Operating, Gross MarginsGLE.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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1

2. Health

2.1 Basic Checks

GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for GLE remains at a similar level compared to 1 year ago.
GLE has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GLE is higher compared to a year ago.
GLE.PA Yearly Shares OutstandingGLE.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GLE.PA Yearly Total Debt VS Total AssetsGLE.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

GLE has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GLE (1.09) is better than 72.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.4%
GLE.PA Yearly LT Debt VS Equity VS FCFGLE.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GLE.PA Yearly Current Assets VS Current LiabilitesGLE.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 124.91% over the past year.
Measured over the past 5 years, GLE shows a small growth in Earnings Per Share. The EPS has been growing by 7.46% on average per year.
Looking at the last year, GLE shows a quite strong growth in Revenue. The Revenue has grown by 14.46% in the last year.
Measured over the past years, GLE shows a quite strong growth in Revenue. The Revenue has been growing by 10.58% on average per year.
EPS 1Y (TTM)124.91%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%37.07%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%1.59%

3.2 Future

The Earnings Per Share is expected to grow by 9.04% on average over the next years. This is quite good.
Based on estimates for the next years, GLE will show a small growth in Revenue. The Revenue will grow by 3.31% on average per year.
EPS Next Y42.45%
EPS Next 2Y29.07%
EPS Next 3Y25.39%
EPS Next 5Y9.04%
Revenue Next Year2.1%
Revenue Next 2Y2.35%
Revenue Next 3Y2.68%
Revenue Next 5Y3.31%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 decreasing.
GLE.PA Yearly Revenue VS EstimatesGLE.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
GLE.PA Yearly EPS VS EstimatesGLE.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.11, the valuation of GLE can be described as reasonable.
GLE's Price/Earnings ratio is a bit cheaper when compared to the industry. GLE is cheaper than 66.32% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.86, GLE is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.46, the valuation of GLE can be described as very cheap.
GLE's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLE is cheaper than 87.37% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GLE to the average of the S&P500 Index (23.32), we can say GLE is valued rather cheaply.
Industry RankSector Rank
PE 9.11
Fwd PE 7.46
GLE.PA Price Earnings VS Forward Price EarningsGLE.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GLE.PA Per share dataGLE.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50

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 25.39% in the coming years.
PEG (NY)0.21
PEG (5Y)1.22
EPS Next 2Y29.07%
EPS Next 3Y25.39%

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0

5. Dividend

5.1 Amount

GLE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SOCIETE GENERALE SA

EPA:GLE (10/6/2025, 5:36:15 PM)

54.32

-2.4 (-4.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/bmo
Earnings (Next)10-30 2025-10-30
Inst Owners46.31%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap42.65B
Analysts78.46
Price Target62.19 (14.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.9
Dividend Growth(5Y)-16.46%
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)3.35%
PT rev (3m)19.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.4%
EPS NY rev (1m)0.37%
EPS NY rev (3m)10.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 9.11
Fwd PE 7.46
P/S 0.67
P/FCF N/A
P/OCF N/A
P/B 0.62
P/tB 0.67
EV/EBITDA N/A
EPS(TTM)5.96
EY10.97%
EPS(NY)7.28
Fwd EY13.4%
FCF(TTM)-59.68
FCFYN/A
OCF(TTM)-46.84
OCFYN/A
SpS80.6
BVpS86.98
TBVpS80.5
PEG (NY)0.21
PEG (5Y)1.22
Profitability
Industry RankSector Rank
ROA 0.22%
ROE 5.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.5%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 93.98%
Cap/Sales 15.93%
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
WACC5.4%
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)124.91%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%37.07%
EPS Next Y42.45%
EPS Next 2Y29.07%
EPS Next 3Y25.39%
EPS Next 5Y9.04%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%1.59%
Revenue Next Year2.1%
Revenue Next 2Y2.35%
Revenue Next 3Y2.68%
Revenue Next 5Y3.31%
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