GLE Fundamental Analysis - SOCIETE GENERALE SA

Fundamental Rating

Overall GLE gets a fundamental rating of 3 out of 10. We evaluated GLE against 113 industry peers in the Banks industry. Both the profitability and financial health of GLE have multiple concerns. GLE has a correct valuation and a medium growth rate.

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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.

1.2 Ratios

GLE has a worse Return On Assets (0.47%) than 70.80% of its industry peers.

The Return On Equity of GLE (10.75%) is comparable to the rest of the industry.

		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

GLE has a Profit Margin of 9.37%. This is amonst the worse of the industry: GLE underperforms 87.61% of its industry peers.

GLE's Profit Margin has declined in the last couple of years.

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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.

GLE has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, GLE has less shares outstanding

GLE has a worse debt/assets ratio than last year.

2.2 Solvency

GLE has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.09, GLE is in the better half of the industry, outperforming 71.68% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.5%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 74.58% over the past year.

GLE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.46% yearly.

The Revenue has grown by 14.46% in the past year. This is quite good.

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)74.58%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%19.21%

Revenue 1Y (TTM)14.46%

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 8.91% on average per year.

GLE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.

EPS Next Y48.27%

EPS Next 2Y30.81%

EPS Next 3Y26.07%

EPS Next 5Y8.91%

Revenue Next Year2.25%

Revenue Next 2Y2.41%

Revenue Next 3Y2.76%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.05, which indicates a very decent valuation of GLE.

66.37% of the companies in the same industry are more expensive than GLE, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of GLE to the average of the S&P500 Index (26.34), we can say GLE is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.40, the valuation of GLE can be described as very reasonable.

Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 88.50% of the companies are valued more expensively.

GLE is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.56, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	8.4

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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.

GLE's earnings are expected to grow with 26.07% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.21

PEG (5Y)1.35

EPS Next 2Y30.81%

EPS Next 3Y26.07%

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5. Dividend

5.1 Amount

GLE does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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SOCIETE GENERALE SA

EPA:GLE (12/9/2025, 3:06:14 PM)

62.82

+0.2 (+0.32%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-30 2025-10-30/bmo

Earnings (Next)01-08 2026-01-08/bmo

Inst Owners46.54%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap48.18B

Revenue(TTM)63.28B

Net Income(TTM)7.34B

Analysts80

Price Target64.6 (2.83%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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)2.74%

PT rev (3m)5.52%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.39%

EPS NY rev (1m)2.95%

EPS NY rev (3m)4.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.05%

Revenue NY rev (1m)0.12%

Revenue NY rev (3m)0.27%

Valuation

		Industry Rank	Sector Rank
PE	10.05
Fwd PE	8.4
P/S	0.61
P/FCF	N/A
P/OCF	N/A
P/B	0.71
P/tB	0.76
EV/EBITDA	N/A

EPS(TTM)6.25

EY9.95%

EPS(NY)7.48

Fwd EY11.9%

FCF(TTM)-61.1

FCFYN/A

OCF(TTM)-47.95

OCFYN/A

SpS102.16

BVpS89.05

TBVpS82.42

PEG (NY)0.21

PEG (5Y)1.35

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

WACC5.5%

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 Y48.27%

EPS Next 2Y30.81%

EPS Next 3Y26.07%

EPS Next 5Y8.91%

Revenue 1Y (TTM)14.46%

Revenue growth 3Y15.81%

Revenue growth 5Y10.58%

Sales Q2Q%-2.66%

Revenue Next Year2.25%

Revenue Next 2Y2.41%

Revenue Next 3Y2.76%

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.

What is the valuation status of SOCIETE GENERALE SA (GLE.PA) stock?

ChartMill assigns a valuation rating of 6 / 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 is the earnings growth outlook for SOCIETE GENERALE SA?

The Earnings per Share (EPS) of SOCIETE GENERALE SA (GLE.PA) is expected to grow by 48.27% in the next year.

SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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SOCIETE GENERALE SA / GLE.PA FAQ

What is the ChartMill fundamental rating of SOCIETE GENERALE SA (GLE.PA) stock?

What is the valuation status of SOCIETE GENERALE SA (GLE.PA) stock?

How profitable is SOCIETE GENERALE SA (GLE.PA) stock?

What is the earnings growth outlook for SOCIETE GENERALE SA?