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SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

EPA:GLE - Euronext Paris - Matif - FR0000130809 - Common Stock - Currency: EUR

48.82  +0.81 (+1.69%)

Fundamental Rating

3

GLE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 94 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.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

GLE had positive earnings in the past year.
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.
GLE.PA Yearly Net Income VS EBIT VS OCF VS FCFGLE.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

1.2 Ratios

The Return On Assets of GLE (0.33%) is worse than 82.98% of its industry peers.
GLE's Return On Equity of 7.40% is on the low side compared to the rest of the industry. GLE is outperformed by 62.77% of its industry peers.
Industry RankSector 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
GLE.PA Yearly ROA, ROE, ROICGLE.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6

1.3 Margins

The Profit Margin of GLE (6.76%) is worse than 86.17% of its industry peers.
GLE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for GLE so they could not be analyzed.
Industry RankSector 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
GLE.PA Yearly Profit, Operating, Gross MarginsGLE.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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1

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.
GLE has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GLE has a worse debt to assets ratio.
GLE.PA Yearly Shares OutstandingGLE.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
GLE.PA Yearly Total Debt VS Total AssetsGLE.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 0.99 indicates that GLE is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.99, GLE is doing good in the industry, outperforming 76.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.22%
GLE.PA Yearly LT Debt VS Equity VS FCFGLE.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GLE.PA Yearly Current Assets VS Current LiabilitesGLE.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 136.32% 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.
GLE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.53%.
The Revenue has been growing by 10.60% on average over the past years. This is quite good.
EPS 1Y (TTM)136.32%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%181.25%
Revenue 1Y (TTM)14.53%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%6.59%

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 5.42% on average per year.
GLE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.39% yearly.
EPS Next Y28.53%
EPS Next 2Y23.65%
EPS Next 3Y21.17%
EPS Next 5Y5.42%
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.
GLE.PA Yearly Revenue VS EstimatesGLE.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
GLE.PA Yearly EPS VS EstimatesGLE.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.83 indicates a reasonable valuation of GLE.
Based on the Price/Earnings ratio, GLE is valued a bit cheaper than the industry average as 67.02% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.60, GLE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.31, the valuation of GLE can be described as very cheap.
Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 90.43% 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 22.39.
Industry RankSector Rank
PE 8.83
Fwd PE 7.31
GLE.PA Price Earnings VS Forward Price EarningsGLE.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
GLE.PA Per share dataGLE.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

4.3 Compensation for Growth

The 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 21.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)1.18
EPS Next 2Y23.65%
EPS Next 3Y21.17%

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2

5. Dividend

5.1 Amount

GLE has a Yearly Dividend Yield of 2.23%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.23, GLE pays less dividend than the industry average, which is at 4.98. 91.49% of the companies listed in the same industry pay a better dividend than GLE!
GLE's Dividend Yield is comparable with the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
GLE.PA Yearly Dividends per shareGLE.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

DPN/A
EPS Next 2Y23.65%
EPS Next 3Y21.17%
GLE.PA Yearly Income VS Free CF VS DividendGLE.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

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SOCIETE GENERALE SA

EPA:GLE (6/12/2025, 7:00:00 PM)

48.82

+0.81 (+1.69%)

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 Cap39.07B
Analysts76.67
Price Target50.95 (4.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
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)13.43%
PT rev (3m)29.52%
EPS NQ rev (1m)0%
EPS NQ rev (3m)29.55%
EPS NY rev (1m)0%
EPS NY rev (3m)3.46%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)2.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.47%
Valuation
Industry RankSector Rank
PE 8.83
Fwd PE 7.31
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.56
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)5.53
EY11.33%
EPS(NY)6.68
Fwd EY13.69%
FCF(TTM)-26.9
FCFYN/A
OCF(TTM)-12.62
OCFYN/A
SpS96.03
BVpS87.78
TBVpS81.43
PEG (NY)0.31
PEG (5Y)1.18
Profitability
Industry RankSector 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 RankSector 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
WACC5.22%
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)136.32%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%181.25%
EPS Next Y28.53%
EPS Next 2Y23.65%
EPS Next 3Y21.17%
EPS Next 5Y5.42%
Revenue 1Y (TTM)14.53%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%6.59%
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