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SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

Europe - EPA:GLE - FR0000130809 - Common Stock

57.26 EUR
-0.34 (-0.59%)
Last: 9/12/2025, 7:00:00 PM
Fundamental Rating

3

Overall GLE gets a fundamental rating of 3 out of 10. We evaluated GLE against 90 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.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

GLE had positive earnings in the past year.
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

GLE has a worse Return On Assets (0.22%) than 86.52% of its industry peers.
Looking at the Return On Equity, with a value of 5.10%, GLE is doing worse than 69.66% of the companies in the same industry.
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

GLE's Profit Margin of 5.50% is on the low side compared to the rest of the industry. GLE is outperformed by 86.52% 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 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.
GLE has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for GLE has been reduced compared to 5 years ago.
Compared to 1 year ago, GLE has a worse debt to assets ratio.
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

A Debt/Equity ratio of 1.09 is on the high side and indicates that GLE has dependencies on debt financing.
GLE has a better Debt to Equity ratio (1.09) than 71.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.34%
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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5

3. Growth

3.1 Past

GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 124.91%, which is quite impressive.
GLE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.46% yearly.
Looking at the last year, GLE shows a quite strong growth in Revenue. The Revenue has grown by 14.46% in the last year.
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)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

GLE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.71% yearly.
The Revenue is expected to grow by 2.98% on average over the next years.
EPS Next Y41.93%
EPS Next 2Y28.34%
EPS Next 3Y24.9%
EPS Next 5Y8.71%
Revenue Next Year1.97%
Revenue Next 2Y2.32%
Revenue Next 3Y2.62%
Revenue Next 5Y2.98%

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.
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

GLE is valuated reasonably with a Price/Earnings ratio of 9.61.
GLE's Price/Earnings ratio is in line with the industry average.
GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
Based on the Price/Forward Earnings ratio of 7.96, the valuation of GLE can be described as very cheap.
Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 87.64% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.73. GLE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.61
Fwd PE 7.96
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

The 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 24.90% in the coming years.
PEG (NY)0.23
PEG (5Y)1.29
EPS Next 2Y28.34%
EPS Next 3Y24.9%

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0

5. Dividend

5.1 Amount

No dividends for GLE!.
Industry RankSector Rank
Dividend Yield N/A

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SOCIETE GENERALE SA

EPA:GLE (9/12/2025, 7:00:00 PM)

57.26

-0.34 (-0.59%)

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 Owners39.01%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap44.96B
Analysts77.69
Price Target62.19 (8.61%)
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)14.85%
PT rev (3m)29.96%
EPS NQ rev (1m)-0.79%
EPS NQ rev (3m)18.4%
EPS NY rev (1m)10.42%
EPS NY rev (3m)10.42%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.83%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)0.81%
Valuation
Industry RankSector Rank
PE 9.61
Fwd PE 7.96
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.66
P/tB 0.71
EV/EBITDA N/A
EPS(TTM)5.96
EY10.41%
EPS(NY)7.2
Fwd EY12.57%
FCF(TTM)-59.68
FCFYN/A
OCF(TTM)-46.84
OCFYN/A
SpS80.6
BVpS86.98
TBVpS80.5
PEG (NY)0.23
PEG (5Y)1.29
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
WACC5.34%
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 Y41.93%
EPS Next 2Y28.34%
EPS Next 3Y24.9%
EPS Next 5Y8.71%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%1.59%
Revenue Next Year1.97%
Revenue Next 2Y2.32%
Revenue Next 3Y2.62%
Revenue Next 5Y2.98%
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