SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - EPA:GLE - FR0000130809 - Common Stock
57.96 EUR
-1.2 (-2.03%)
We assign a fundamental rating of 3 out of 10 to GLE. 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 correct valuation and a medium growth rate.
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 0.47%, GLE is not doing good in the industry: 69.79% of the companies in the same industry are doing better.
GLE has a Return On Equity of 10.75%. This is comparable to the rest of the industry: GLE outperforms 52.08% of its industry peers.
| 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
With a Profit Margin value of 9.37%, GLE is not doing good in the industry: 88.54% of the companies in the same industry are doing better.
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) | 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.
Compared to 5 years ago, GLE has less shares outstanding
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 has a Debt to Equity ratio of 1.09. This is in the better half of the industry: GLE outperforms 71.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.58%, which is quite impressive.
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%.
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
Based on estimates for the next years, GLE will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.91% on average per year.
The Revenue is expected to grow by 3.03% on average over the next years.
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.
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
With a Price/Earnings ratio of 9.27, the valuation of GLE can be described as very reasonable.
70.83% of the companies in the same industry are more expensive than GLE, based on the Price/Earnings ratio.
GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
The Price/Forward Earnings ratio is 7.93, which indicates a rather cheap valuation of GLE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLE indicates a rather cheap valuation: GLE is cheaper than 87.50% of the companies listed 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 7.93 |
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 25.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)1.24
EPS Next 2Y29.33%
EPS Next 3Y25.55%
5. Dividend
5.1 Amount
GLE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:GLE (11/14/2025, 9:56:18 AM)
57.96
-1.2 (-2.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.31%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap45.51B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts78.46
Price Target62.87 (8.47%)
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| 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 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
WACC5.49%
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.