SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - EPA:GLE - FR0000130809 - Common Stock
57.98 EUR
-1.18 (-1.99%)
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.
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.
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 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 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 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.
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.
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 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| 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.
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%
5. Dividend
5.1 Amount
GLE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)
Earnings (Next)
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 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 | 9.28 | ||
| 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 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.