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SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

Europe - EPA:GLE - FR0000130809 - Common Stock

57.98 EUR
-1.18 (-1.99%)
Last: 11/14/2025, 5:36:15 PM
Fundamental Rating

3

Taking everything into account, GLE scores 3 out of 10 in our fundamental rating. GLE was compared to 96 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

2

1. Profitability

1.1 Basic Checks

In the past year GLE was profitable.
GLE had a negative operating cash flow in the past year.
GLE had positive earnings in 4 of the past 5 years.
GLE had a positive operating cash flow in 4 of the past 5 years.
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's Return On Assets of 0.47% is on the low side compared to the rest of the industry. GLE is outperformed by 68.75% of its industry peers.
With a Return On Equity value of 10.75%, GLE perfoms like the industry average, outperforming 53.13% of the companies in the same industry.
Industry RankSector 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
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 has a worse Profit Margin (9.37%) than 87.50% of its industry peers.
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 RankSector 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
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

1

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.
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 Debt to Equity ratio of 1.09. This is in the better half of the industry: GLE outperforms 72.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.09
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.49%
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

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 74.58% 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.
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

The Earnings Per Share is expected to grow by 8.91% 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 3.03% on average per year.
EPS Next Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.03%

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.
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

6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.28, the valuation of GLE can be described as reasonable.
Based on the Price/Earnings ratio, GLE is valued a bit cheaper than 73.96% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.91. GLE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.93 indicates a rather cheap valuation of GLE.
Based on the Price/Forward Earnings ratio, GLE is valued cheaper than 89.58% of the companies in the same industry.
GLE is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.28
Fwd PE 7.93
GLE.PA Price Earnings VS Forward Price EarningsGLE.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 25.55% in the coming years.
PEG (NY)0.21
PEG (5Y)1.24
EPS Next 2Y29.33%
EPS Next 3Y25.55%

0

5. Dividend

5.1 Amount

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

SOCIETE GENERALE SA

EPA:GLE (11/14/2025, 5:36:15 PM)

57.98

-1.18 (-1.99%)

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 Owners46.31%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap45.52B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts78.46
Price Target62.87 (8.43%)
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)1.1%
PT rev (3m)17.96%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-0.72%
EPS NY rev (1m)1.1%
EPS NY rev (3m)12.06%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.65%
Valuation
Industry RankSector Rank
PE 9.28
Fwd PE 7.93
P/S 0.58
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)6.25
EY10.78%
EPS(NY)7.31
Fwd EY12.61%
FCF(TTM)-59.68
FCFYN/A
OCF(TTM)-46.84
OCFYN/A
SpS99.78
BVpS86.98
TBVpS80.5
PEG (NY)0.21
PEG (5Y)1.24
Graham Number110.6
Profitability
Industry RankSector 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 RankSector 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
WACC5.49%
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 Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.03%
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 44.02% in the next year.