SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:GLE - FR0000130809 - Common Stock
61.6 EUR
+0.06 (+0.1%)
Taking everything into account, GLE scores 3 out of 10 in our fundamental rating. GLE was compared to 113 industry peers in the Banks industry. GLE may be in some trouble as it scores bad on both profitability and health. GLE is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GLE had positive earnings in the past year.
GLE had a negative operating cash flow in the past year.
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
GLE has a Return On Assets of 0.47%. This is in the lower half of the industry: GLE underperforms 70.80% of its industry peers.
GLE has a Return On Equity (10.75%) which 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.
The Operating Margin and Gross Margin are not available for GLE so they could not be analyzed.
| 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.
The number of shares outstanding for GLE has been reduced compared to 5 years ago.
The debt/assets ratio for GLE is higher compared to a year ago.
2.2 Solvency
GLE has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
GLE's Debt to Equity ratio of 1.09 is fine compared to the rest of the industry. GLE outperforms 71.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.51%
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.46%.
The Revenue has been growing by 10.58% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 8.91% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.02% on average over the next years.
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
The EPS growth rate is stable: in the next years the growth will be about the same 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.86, which indicates a very decent valuation of GLE.
Compared to the rest of the industry, the Price/Earnings ratio of GLE indicates a somewhat cheap valuation: GLE is cheaper than 68.14% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GLE to the average of the S&P500 Index (26.49), we can say GLE is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.24, 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 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 8.24 |
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.
GLE's earnings are expected to grow with 26.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)1.32
EPS Next 2Y30.81%
EPS Next 3Y26.07%
5. Dividend
5.1 Amount
No dividends for GLE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:GLE (12/8/2025, 9:53:18 AM)
61.6
+0.06 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.54%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap47.24B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts80
Price Target64.6 (4.87%)
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 | 9.86 | ||
| Fwd PE | 8.24 | ||
| P/S | 0.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.69 | ||
| P/tB | 0.75 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY10.15%
EPS(NY)7.48
Fwd EY12.14%
FCF(TTM)-61.1
FCFYN/A
OCF(TTM)-47.95
OCFYN/A
SpS102.16
BVpS89.05
TBVpS82.42
PEG (NY)0.2
PEG (5Y)1.32
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
WACC5.51%
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.