SOCIETE GENERALE SA(EPA:GLE) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 93 industry peers in the Banks industry. GLE may be in some trouble as it scores bad on both profitability and health. 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.

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.

1.2 Ratios

With a Return On Assets value of 0.33%, GLE is not doing good in the industry: 83.87% of the companies in the same industry are doing better.

GLE has a Return On Equity of 7.40%. This is in the lower half of the industry: GLE underperforms 63.44% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.33%
ROE	7.4%
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

Looking at the Profit Margin, with a value of 6.76%, GLE is doing worse than 87.10% of the companies in the same industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	6.76%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.75%

PM growth 5Y-3.67%

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.

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.

2.2 Solvency

A Debt/Equity ratio of 0.99 indicates that GLE is somewhat dependend on debt financing.

GLE's Debt to Equity ratio of 0.99 is fine compared to the rest of the industry. GLE outperforms 72.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.99
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.23%

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

GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 73.69%, which is quite impressive.

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 14.53% in the past year. This is quite good.

The Revenue has been growing by 10.60% on average over the past years. This is quite good.

EPS 1Y (TTM)73.69%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%-47.75%

Revenue 1Y (TTM)14.53%

Revenue growth 3Y15.83%

Revenue growth 5Y10.6%

Sales Q2Q%-1.33%

3.2 Future

Based on estimates for the next years, GLE will show a small growth in Earnings Per Share. The EPS will grow by 4.94% on average per year.

Based on estimates for the next years, GLE will show a small growth in Revenue. The Revenue will grow by 2.39% on average per year.

EPS Next Y28.53%

EPS Next 2Y23.65%

EPS Next 3Y21.17%

EPS Next 5Y4.94%

Revenue Next Year1.16%

Revenue Next 2Y1.97%

Revenue Next 3Y2.39%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.16, GLE is valued correctly.

Compared to the rest of the industry, the Price/Earnings ratio of GLE indicates a slightly more expensive valuation: GLE is more expensive than 76.34% of the companies listed in the same industry.

GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.03.

The Price/Forward Earnings ratio is 7.39, which indicates a rather cheap valuation of GLE.

Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 89.25% of the companies are valued more expensively.

GLE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.94.

		Industry Rank	Sector Rank
PE	12.16
Fwd PE	7.39

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.

A more expensive valuation may be justified as GLE's earnings are expected to grow with 21.17% in the coming years.

PEG (NY)0.43

PEG (5Y)1.63

EPS Next 2Y23.65%

EPS Next 3Y21.17%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.27%, GLE has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.12, GLE's dividend is way lower than its industry peers. On top of this 93.55% of the companies listed in the same industry pay a better dividend than GLE!

Compared to an average S&P500 Dividend Yield of 2.36, GLE has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.27%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

DPN/A

EPS Next 2Y23.65%

EPS Next 3Y21.17%

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SOCIETE GENERALE SA

EPA:GLE (5/21/2025, 7:00:00 PM)

49.38

+0.14 (+0.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/bmo

Earnings (Next)07-31 2025-07-31

Inst Owners42.23%

Inst Owner ChangeN/A

Ins Owners0.01%

Ins Owner ChangeN/A

Market Cap39.52B

Analysts76.8

Price Target47.11 (-4.6%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.27%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)11.2%

Min EPS beat(2)8.57%

Max EPS beat(2)13.83%

EPS beat(4)3

Avg EPS beat(4)6.97%

Min EPS beat(4)-3.93%

Max EPS beat(4)13.83%

EPS beat(8)4

Avg EPS beat(8)1.29%

EPS beat(12)8

Avg EPS beat(12)22.43%

EPS beat(16)12

Avg EPS beat(16)45.24%

Revenue beat(2)2

Avg Revenue beat(2)2.45%

Min Revenue beat(2)2.11%

Max Revenue beat(2)2.8%

Revenue beat(4)4

Avg Revenue beat(4)1.83%

Min Revenue beat(4)0.62%

Max Revenue beat(4)2.8%

Revenue beat(8)4

Avg Revenue beat(8)-0.34%

Revenue beat(12)8

Avg Revenue beat(12)44.93%

Revenue beat(16)12

Avg Revenue beat(16)64.88%

PT rev (1m)7.2%

PT rev (3m)38.52%

EPS NQ rev (1m)0%

EPS NQ rev (3m)29.55%

EPS NY rev (1m)0%

EPS NY rev (3m)7.5%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.11%

Revenue NY rev (1m)0.57%

Revenue NY rev (3m)2.08%

Valuation

		Industry Rank	Sector Rank
PE	12.16
Fwd PE	7.39
P/S	0.51
P/FCF	N/A
P/OCF	N/A
P/B	0.56
P/tB	0.61
EV/EBITDA	N/A

EPS(TTM)4.06

EY8.22%

EPS(NY)6.68

Fwd EY13.53%

FCF(TTM)-26.9

FCFYN/A

OCF(TTM)-12.62

OCFYN/A

SpS96.03

BVpS87.78

TBVpS81.43

PEG (NY)0.43

PEG (5Y)1.63

Profitability

		Industry Rank	Sector Rank
ROA	0.33%
ROE	7.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	6.76%
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-23.75%

PM growth 5Y-3.67%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.99
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	113.36%
Cap/Sales	14.88%
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-Score5

WACC5.23%

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)73.69%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%-47.75%

EPS Next Y28.53%

EPS Next 2Y23.65%

EPS Next 3Y21.17%

EPS Next 5Y4.94%

Revenue 1Y (TTM)14.53%

Revenue growth 3Y15.83%

Revenue growth 5Y10.6%

Sales Q2Q%-1.33%

Revenue Next Year1.16%

Revenue Next 2Y1.97%

Revenue Next 3Y2.39%

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-184.25%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-126.98%

OCF growth 3YN/A

OCF growth 5YN/A

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

5.2 History

5.3 Sustainability

More info and screens