SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
EPA:GLE • FR0000130809
73.9 EUR
-0.52 (-0.7%)
Last: Feb 24, 2026, 07:00 PM
GLE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. GLE has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
- Each year in the past 5 years GLE has been profitable.
- In multiple years GLE reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a Return On Assets value of 0.52%, GLE is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 11.52%, GLE is in line with its industry, outperforming 54.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 11.52% | ||
| ROIC | N/A |
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 13.55%, GLE is not doing good in the industry: 85.19% of the companies in the same industry are doing better.
- In the last couple of years the Profit Margin of GLE has grown nicely.
- 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) | 13.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.68%
PM growth 5YN/A
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 less shares outstanding
- GLE has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, GLE has an improved debt to assets ratio.
2.2 Solvency
- GLE has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
- GLE has a Debt to Equity ratio of 2.34. This is in the lower half of the industry: GLE underperforms 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.01%
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 55.61% over the past year.
- The Earnings Per Share has been growing by 82.06% on average over the past years. This is a very strong growth
- Looking at the last year, GLE shows a very negative growth in Revenue. The Revenue has decreased by -22.39% in the last year.
- Measured over the past years, GLE shows a quite strong growth in Revenue. The Revenue has been growing by 12.55% on average per year.
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
3.2 Future
- GLE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.15% yearly.
- The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y10.49%
EPS Next 2Y13.98%
EPS Next 3Y11.21%
EPS Next 5Y-1.15%
Revenue Next Year2.54%
Revenue Next 2Y2.99%
Revenue Next 3Y3.27%
Revenue Next 5YN/A
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 decreasing.
- 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
- Based on the Price/Earnings ratio of 10.87, 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 62.04% of the companies in the same industry.
- When comparing the Price/Earnings ratio of GLE to the average of the S&P500 Index (26.98), we can say GLE is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.84 indicates a reasonable valuation of GLE.
- GLE's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLE is cheaper than 86.11% of the companies in the same industry.
- GLE is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 9.84 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)0.13
EPS Next 2Y13.98%
EPS Next 3Y11.21%
5. Dividend
5.1 Amount
- GLE has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 4.37, GLE's dividend is way lower than its industry peers. On top of this 83.33% of the companies listed in the same industry pay a better dividend than GLE!
- Compared to an average S&P500 Dividend Yield of 1.81, GLE pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
5.2 History
- The dividend of GLE decreases each year by -16.56%.
Dividend Growth(5Y)-16.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- GLE's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y13.98%
EPS Next 3Y11.21%
EPA:GLE (2/24/2026, 7:00:00 PM)
73.9
-0.52 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2026-02-06/bmo
Earnings (Next)04-30 2026-04-30
Inst Owners47.13%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap56.67B
Revenue(TTM)59.64B
Net Income(TTM)8.08B
Analysts74.07
Price Target73.22 (-0.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Yearly Dividend0.9
Dividend Growth(5Y)-16.56%
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.21%
Min EPS beat(2)15.33%
Max EPS beat(2)25.08%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)13.7%
Max EPS beat(4)25.08%
EPS beat(8)7
Avg EPS beat(8)12.26%
EPS beat(12)8
Avg EPS beat(12)6.72%
EPS beat(16)12
Avg EPS beat(16)21.21%
Revenue beat(2)2
Avg Revenue beat(2)0.43%
Min Revenue beat(2)0.02%
Max Revenue beat(2)0.85%
Revenue beat(4)4
Avg Revenue beat(4)0.49%
Min Revenue beat(4)0.02%
Max Revenue beat(4)0.85%
Revenue beat(8)8
Avg Revenue beat(8)1.16%
Revenue beat(12)8
Avg Revenue beat(12)-0.06%
Revenue beat(16)12
Avg Revenue beat(16)33.82%
PT rev (1m)8.95%
PT rev (3m)16.46%
EPS NQ rev (1m)-2.56%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)2.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 9.84 | ||
| P/S | 0.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.8
EY9.2%
EPS(NY)7.51
Fwd EY10.17%
FCF(TTM)-37.83
FCFYN/A
OCF(TTM)-25.62
OCFYN/A
SpS77.77
BVpS91.47
TBVpS84.84
PEG (NY)1.04
PEG (5Y)0.13
Graham Number118.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 11.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.55% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
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 3Y38.68%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91% | ||
| Cap/Sales | 15.7% | ||
| 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-Score4
WACC6.01%
ROIC/WACCN/A
Cap/Depr(3y)119.42%
Cap/Depr(5y)131.27%
Cap/Sales(3y)18.05%
Cap/Sales(5y)18.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
EPS Next Y10.49%
EPS Next 2Y13.98%
EPS Next 3Y11.21%
EPS Next 5Y-1.15%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
Revenue Next Year2.54%
Revenue Next 2Y2.99%
Revenue Next 3Y3.27%
Revenue Next 5YN/A
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-34.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-94.56%
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.
Can you provide the valuation status for SOCIETE GENERALE SA?
ChartMill assigns a valuation rating of 5 / 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 are the PE and PB ratios of SOCIETE GENERALE SA (GLE.PA) stock?
The Price/Earnings (PE) ratio for SOCIETE GENERALE SA (GLE.PA) is 10.87 and the Price/Book (PB) ratio is 0.81.
What is the expected EPS growth for SOCIETE GENERALE SA (GLE.PA) stock?
The Earnings per Share (EPS) of SOCIETE GENERALE SA (GLE.PA) is expected to grow by 10.49% in the next year.