SOCIETE GENERALE SA (GLE.PA) Fundamental Analysis & Valuation

EPA:GLE • FR0000130809

Current stock price

71.4 EUR
+0.51 (+0.72%)
Last:

This GLE.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. GLE.PA Profitability Analysis

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 each of the past 5 years.
  • In multiple years GLE reported negative operating cash flow during the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.52%, GLE is doing worse than 67.62% of the companies in the same industry.
  • GLE has a Return On Equity of 11.52%. This is comparable to the rest of the industry: GLE outperforms 54.29% of its industry peers.
Industry RankSector Rank
ROA 0.52%
ROE 11.52%
ROIC N/A
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
ROIC(3y)N/A
ROIC(5y)N/A
GLE.PA Yearly ROA, ROE, ROICGLE.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

1.3 Margins

  • GLE has a Profit Margin of 10.34%. This is amonst the worse of the industry: GLE underperforms 91.43% of its industry peers.
  • In the last couple of years the Profit Margin of GLE has grown nicely.
  • 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) 10.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.68%
PM growth 5YN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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2

2. GLE.PA Health Analysis

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 has been reduced compared to 1 year ago.
  • GLE has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for GLE has been reduced compared to a year ago.
GLE.PA Yearly Shares OutstandingGLE.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
GLE.PA Yearly Total Debt VS Total AssetsGLE.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • A Debt/Equity ratio of 0.94 indicates that GLE is somewhat dependend on debt financing.
  • GLE has a Debt to Equity ratio of 0.94. This is in the better half of the industry: GLE outperforms 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.9%
GLE.PA Yearly LT Debt VS Equity VS FCFGLE.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. GLE.PA Growth Analysis

3.1 Past

  • GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.61%, which is quite impressive.
  • Measured over the past years, GLE shows a very strong growth in Earnings Per Share. The EPS has been growing by 82.06% on average per year.
  • GLE shows a small growth in Revenue. In the last year, the Revenue has grown by 1.68%.
  • Measured over the past years, GLE shows a quite strong growth in Revenue. The Revenue has been growing by 12.55% on average per year.
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
Revenue 1Y (TTM)1.68%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%

3.2 Future

  • GLE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.07% yearly.
  • GLE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.31% yearly.
EPS Next Y15.68%
EPS Next 2Y16.03%
EPS Next 3Y14.83%
EPS Next 5Y5.07%
Revenue Next Year3.08%
Revenue Next 2Y3.29%
Revenue Next 3Y3.31%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
GLE.PA Yearly EPS VS EstimatesGLE.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6 8 10

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5

4. GLE.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.50, the valuation of GLE can be described as very reasonable.
  • GLE's Price/Earnings ratio is a bit cheaper when compared to the industry. GLE is cheaper than 63.81% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, GLE is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.08, the valuation of GLE can be described as very reasonable.
  • 86.67% of the companies in the same industry are more expensive than GLE, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of GLE to the average of the S&P500 Index (23.54), we can say GLE is valued rather cheaply.
Industry RankSector Rank
PE 10.5
Fwd PE 9.08
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 50 100

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.
  • A more expensive valuation may be justified as GLE's earnings are expected to grow with 14.83% in the coming years.
PEG (NY)0.67
PEG (5Y)0.13
EPS Next 2Y16.03%
EPS Next 3Y14.83%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. GLE.PA Dividend Analysis

5.1 Amount

  • GLE has a Yearly Dividend Yield of 2.27%. Purely for dividend investing, there may be better candidates out there.
  • With a Dividend Yield of 2.27, GLE pays less dividend than the industry average, which is at 4.70. 88.57% of the companies listed in the same industry pay a better dividend than GLE!
  • GLE's Dividend Yield is a higher than the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

  • The dividend of GLE is nicely growing with an annual growth rate of 9.40%!
Dividend Growth(5Y)9.4%
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 2026 0.5 1 1.5 2

5.3 Sustainability

  • GLE pays out 16.27% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of GLE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP16.27%
EPS Next 2Y16.03%
EPS Next 3Y14.83%
GLE.PA Yearly Income VS Free CF VS DividendGLE.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B
GLE.PA Dividend Payout.GLE.PA Dividend Payout, showing the Payout Ratio.GLE.PA Dividend Payout.PayoutRetained Earnings

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GLE.PA Fundamentals: All Metrics, Ratios and Statistics

SOCIETE GENERALE SA

EPA:GLE (4/10/2026, 7:00:00 PM)

71.4

+0.51 (+0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)04-30
Inst Owners48.54%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap53.67B
Revenue(TTM)78.14B
Net Income(TTM)8.08B
Analysts73.57
Price Target82.03 (14.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend1.69
Dividend Growth(5Y)9.4%
DP16.27%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.21%
Min EPS beat(2)15.33%
Max EPS beat(2)25.08%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)13.7%
Max EPS beat(4)25.08%
EPS beat(8)7
Avg EPS beat(8)12.26%
EPS beat(12)8
Avg EPS beat(12)6.72%
EPS beat(16)12
Avg EPS beat(16)21.21%
Revenue beat(2)2
Avg Revenue beat(2)0.43%
Min Revenue beat(2)0.02%
Max Revenue beat(2)0.85%
Revenue beat(4)4
Avg Revenue beat(4)0.49%
Min Revenue beat(4)0.02%
Max Revenue beat(4)0.85%
Revenue beat(8)8
Avg Revenue beat(8)1.16%
Revenue beat(12)8
Avg Revenue beat(12)-0.06%
Revenue beat(16)12
Avg Revenue beat(16)33.82%
PT rev (1m)0.56%
PT rev (3m)22.2%
EPS NQ rev (1m)1.4%
EPS NQ rev (3m)2.06%
EPS NY rev (1m)0.23%
EPS NY rev (3m)4.78%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 9.08
P/S 0.69
P/FCF N/A
P/OCF N/A
P/B 0.77
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)6.8
EY9.52%
EPS(NY)7.87
Fwd EY11.02%
FCF(TTM)-38.59
FCFYN/A
OCF(TTM)-26.14
OCFYN/A
SpS103.95
BVpS93.31
TBVpS86.55
PEG (NY)0.67
PEG (5Y)0.13
Graham Number119.49
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.34%
GM N/A
FCFM N/A
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
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 3Y38.68%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91%
Cap/Sales 11.98%
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
WACC5.9%
ROIC/WACCN/A
Cap/Depr(3y)119.42%
Cap/Depr(5y)131.27%
Cap/Sales(3y)18.05%
Cap/Sales(5y)18.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
EPS Next Y15.68%
EPS Next 2Y16.03%
EPS Next 3Y14.83%
EPS Next 5Y5.07%
Revenue 1Y (TTM)1.68%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
Revenue Next Year3.08%
Revenue Next 2Y3.29%
Revenue Next 3Y3.31%
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-34.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-94.56%
OCF growth 3YN/A
OCF growth 5YN/A

SOCIETE GENERALE SA / GLE.PA Fundamental Analysis 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.


Can you provide the profitability details for SOCIETE GENERALE SA?

SOCIETE GENERALE SA (GLE.PA) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for GLE stock?

The Price/Earnings (PE) ratio for SOCIETE GENERALE SA (GLE.PA) is 10.5 and the Price/Book (PB) ratio is 0.77.


Is the dividend of SOCIETE GENERALE SA sustainable?

The dividend rating of SOCIETE GENERALE SA (GLE.PA) is 4 / 10 and the dividend payout ratio is 16.27%.