SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:GLE - FR0000130809 - Common Stock
68.7 EUR
-0.3 (-0.43%)
We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 111 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.
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.
- Of the past 5 years GLE 4 years had a positive operating cash flow.
1.2 Ratios
- GLE has a Return On Assets of 0.47%. This is in the lower half of the industry: GLE underperforms 72.07% of its industry peers.
- GLE's Return On Equity of 10.75% is in line compared to the rest of the industry. GLE outperforms 50.45% 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
- GLE has a worse Profit Margin (9.37%) than 89.19% 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 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.
- The number of shares outstanding for GLE remains at a similar level compared to 1 year ago.
- 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.
2.2 Solvency
- A Debt/Equity ratio of 1.09 is on the high side and indicates that GLE has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 1.09, GLE is in the better half of the industry, outperforming 70.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.68%
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.
- 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 small growth in Revenue. The Revenue has grown by 5.57% in the last year.
- 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)5.57%
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 8.65% on average per year.
- Based on estimates for the next years, GLE will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y48.87%
EPS Next 2Y31.12%
EPS Next 3Y26.45%
EPS Next 5Y8.65%
Revenue Next Year2.27%
Revenue Next 2Y2.41%
Revenue Next 3Y2.75%
Revenue Next 5Y3.02%
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
- GLE is valuated reasonably with a Price/Earnings ratio of 10.99.
- GLE's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 26.94. GLE is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 9.14 indicates a reasonable valuation of GLE.
- GLE's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLE is cheaper than 88.29% of the companies in the same industry.
- GLE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 9.14 |
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 26.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)1.47
EPS Next 2Y31.12%
EPS Next 3Y26.45%
5. Dividend
5.1 Amount
- No dividends for GLE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:GLE (1/21/2026, 5:35:30 PM)
68.7
-0.3 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-08 2026-01-08/bmo
Earnings (Next)02-06 2026-02-06/amc
Inst Owners47.13%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap52.69B
Revenue(TTM)78.21B
Net Income(TTM)7.34B
Analysts80.77
Price Target67.21 (-2.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)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)4.04%
PT rev (3m)8.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)0.12%
EPS NY rev (3m)4.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.99 | ||
| Fwd PE | 9.14 | ||
| P/S | 0.67 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.77 | ||
| P/tB | 0.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY9.1%
EPS(NY)7.51
Fwd EY10.94%
FCF(TTM)-61.1
FCFYN/A
OCF(TTM)-47.95
OCFYN/A
SpS102.16
BVpS89.05
TBVpS82.42
PEG (NY)0.22
PEG (5Y)1.47
Graham Number111.91
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
WACC5.68%
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 Y48.87%
EPS Next 2Y31.12%
EPS Next 3Y26.45%
EPS Next 5Y8.65%
Revenue 1Y (TTM)5.57%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.27%
Revenue Next 2Y2.41%
Revenue Next 3Y2.75%
Revenue Next 5Y3.02%
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.
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 10.99 and the Price/Book (PB) ratio is 0.77.
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 48.87% in the next year.