Logo image of GLE.PA

SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

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

43.89  -0.02 (-0.03%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 93 industry peers in the Banks industry. Both the profitability and financial health of GLE have multiple concerns. GLE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

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.
Of the past 5 years GLE 4 years had a positive operating cash flow.
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

GLE has a Return On Assets of 0.33%. This is amonst the worse of the industry: GLE underperforms 82.80% of its industry peers.
The Return On Equity of GLE (7.40%) is comparable to the rest of the industry.
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

Looking at the Profit Margin, with a value of 8.91%, GLE is doing worse than 84.95% of the companies in the same industry.
In the last couple of years the Profit Margin of GLE has declined.
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) 8.91%
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

More info and screens

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

GLE has a Debt/Equity ratio of 2.55. This is a high value indicating a heavy dependency on external financing.
GLE has a Debt to Equity ratio of 2.55. This is comparable to the rest of the industry: GLE outperforms 45.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.55
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.06%
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

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 69.38% over the past year.
The Earnings Per Share has been growing slightly by 7.46% on average over the past years.
The Revenue has grown by 14.00% 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 10.60% on average per year.
EPS 1Y (TTM)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
Revenue 1Y (TTM)14%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%

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 4.56% on average per year.
Based on estimates for the next years, GLE will show a small growth in Revenue. The Revenue will grow by 2.23% on average per year.
EPS Next Y24.23%
EPS Next 2Y22.15%
EPS Next 3Y20.38%
EPS Next 5Y4.56%
Revenue Next Year0.59%
Revenue Next 2Y1.85%
Revenue Next 3Y2.23%
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 2028 2029 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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.04, the valuation of GLE can be described as reasonable.
60.22% of the companies in the same industry are cheaper 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 29.07.
A Price/Forward Earnings ratio of 8.08 indicates a reasonable valuation of GLE.
Based on the Price/Forward Earnings ratio, GLE is valued cheaper than 84.95% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.05. GLE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.04
Fwd PE 8.08
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 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.
A more expensive valuation may be justified as GLE's earnings are expected to grow with 20.38% in the coming years.
PEG (NY)0.41
PEG (5Y)1.35
EPS Next 2Y22.15%
EPS Next 3Y20.38%

More info and screens

2

5. Dividend

5.1 Amount

GLE has a Yearly Dividend Yield of 2.74%.
With a Dividend Yield of 2.74, GLE pays less dividend than the industry average, which is at 5.27. 90.32% 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 2.74%

5.2 History

The dividend of GLE decreases each year by -22.61%.
Dividend Growth(5Y)-22.61%
Div Incr Years2
Div Non Decr Years2
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 2Y22.15%
EPS Next 3Y20.38%
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

More info and screens

SOCIETE GENERALE SA

EPA:GLE (3/26/2025, 5:36:15 PM)

43.89

-0.02 (-0.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2025-02-06/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners42.23%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.13B
Analysts79.26
Price Target41.02 (-6.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.74%
Yearly Dividend0.56
Dividend Growth(5Y)-22.61%
DPN/A
Div Incr Years2
Div Non Decr Years2
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)4.29%
PT rev (3m)28.15%
EPS NQ rev (1m)18.18%
EPS NQ rev (3m)32.41%
EPS NY rev (1m)0%
EPS NY rev (3m)8.39%
Revenue NQ rev (1m)1.86%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)0.89%
Revenue NY rev (3m)1.25%
Valuation
Industry RankSector Rank
PE 10.04
Fwd PE 8.08
P/S 0.6
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)4.37
EY9.96%
EPS(NY)5.43
Fwd EY12.37%
FCF(TTM)-26.9
FCFYN/A
OCF(TTM)-12.62
OCFYN/A
SpS72.85
BVpS87.78
TBVpS81.43
PEG (NY)0.41
PEG (5Y)1.35
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) 8.91%
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 Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 2.55
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 113.36%
Cap/Sales 19.61%
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
WACC5.06%
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)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
EPS Next Y24.23%
EPS Next 2Y22.15%
EPS Next 3Y20.38%
EPS Next 5Y4.56%
Revenue 1Y (TTM)14%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%
Revenue Next Year0.59%
Revenue Next 2Y1.85%
Revenue Next 3Y2.23%
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