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SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

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

48.58  -0.79 (-1.6%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 87 industry peers in the Banks industry. GLE may be in some trouble as it scores bad on both profitability and health. GLE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

1

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.
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

The Return On Assets of GLE (0.33%) is worse than 83.91% 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 63.22% 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

With a Profit Margin value of 6.76%, GLE is not doing good in the industry: 87.36% of the companies in the same industry are doing better.
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) 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

1

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.
GLE has a worse debt/assets ratio than last year.
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 0.99. This is a neutral value indicating GLE is somewhat dependend on debt financing.
GLE's Debt to Equity ratio of 0.99 is fine compared to the rest of the industry. GLE outperforms 74.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.2%
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

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 136.32% over the past year.
GLE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.46% yearly.
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 5.04% on average per year.
The Revenue is expected to grow by 2.39% on average over the next years.
EPS Next Y28.53%
EPS Next 2Y23.65%
EPS Next 3Y21.17%
EPS Next 5Y5.04%
Revenue Next Year1.16%
Revenue Next 2Y1.97%
Revenue Next 3Y2.39%
Revenue Next 5YN/A

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 decreasing.
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

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.78 indicates a reasonable valuation of GLE.
Based on the Price/Earnings ratio, GLE is valued a bit cheaper than the industry average as 64.37% of the companies are valued more expensively.
GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
GLE is valuated cheaply with a Price/Forward Earnings ratio of 7.27.
GLE's Price/Forward Earnings ratio is rather cheap when compared to the industry. GLE is cheaper than 86.21% 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 21.90.
Industry RankSector Rank
PE 8.78
Fwd PE 7.27
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

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 21.17% in the coming years.
PEG (NY)0.31
PEG (5Y)1.18
EPS Next 2Y23.65%
EPS Next 3Y21.17%

3

5. Dividend

5.1 Amount

GLE has a Yearly Dividend Yield of 2.30%.
Compared to an average industry Dividend Yield of 5.13, GLE's dividend is way lower than its industry peers. On top of this 93.10% 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 2.42.
Industry RankSector Rank
Dividend Yield 2.3%

5.2 History

The dividend of GLE decreases each year by -16.46%.
Dividend Growth(5Y)-16.46%
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

GLE pays out 13.84% of its income as dividend. This is a sustainable payout ratio.
DP13.84%
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
GLE.PA Dividend Payout.GLE.PA Dividend Payout, showing the Payout Ratio.GLE.PA Dividend Payout.PayoutRetained Earnings

SOCIETE GENERALE SA

EPA:GLE (7/4/2025, 7:00:00 PM)

48.58

-0.79 (-1.6%)

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 Owners39.01%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap38.88B
Analysts76.67
Price Target52.19 (7.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
Yearly Dividend0.9
Dividend Growth(5Y)-16.46%
DP13.84%
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)10.8%
PT rev (3m)27.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.62%
EPS NY rev (1m)0%
EPS NY rev (3m)3.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 8.78
Fwd PE 7.27
P/S 0.51
P/FCF N/A
P/OCF N/A
P/B 0.55
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)5.53
EY11.38%
EPS(NY)6.68
Fwd EY13.75%
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
WACC5.2%
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 5Y5.04%
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