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PEUGEOT INVEST (PEUG.PA) Stock Fundamental Analysis

EPA:PEUG - Euronext Paris - Matif - FR0000064784 - Common Stock - Currency: EUR

77.2  -0.2 (-0.26%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PEUG. PEUG was compared to 50 industry peers in the Financial Services industry. While PEUG is still in line with the averages on profitability rating, there are concerns on its financial health. PEUG is valued correctly, but it does not seem to be growing. PEUG also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

PEUG had positive earnings in the past year.
PEUG had a positive operating cash flow in the past year.
Each year in the past 5 years PEUG has been profitable.
Of the past 5 years PEUG 4 years had a positive operating cash flow.
PEUG.PA Yearly Net Income VS EBIT VS OCF VS FCFPEUG.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 200M 400M 600M

1.2 Ratios

PEUG has a Return On Assets of 2.18%. This is comparable to the rest of the industry: PEUG outperforms 51.06% of its industry peers.
Looking at the Return On Equity, with a value of 3.22%, PEUG is in line with its industry, outperforming 40.43% of the companies in the same industry.
The Return On Invested Capital of PEUG (2.41%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for PEUG is significantly below the industry average of 11.55%.
The 3 year average ROIC (2.38%) for PEUG is below the current ROIC(2.41%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.18%
ROE 3.22%
ROIC 2.41%
ROA(3y)2.3%
ROA(5y)2.85%
ROE(3y)3.49%
ROE(5y)4.35%
ROIC(3y)2.38%
ROIC(5y)2.92%
PEUG.PA Yearly ROA, ROE, ROICPEUG.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

With an excellent Profit Margin value of 58.49%, PEUG belongs to the best of the industry, outperforming 93.62% of the companies in the same industry.
In the last couple of years the Profit Margin of PEUG has declined.
Looking at the Operating Margin, with a value of 84.80%, PEUG belongs to the top of the industry, outperforming 91.49% of the companies in the same industry.
PEUG's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 84.8%
PM (TTM) 58.49%
GM N/A
OM growth 3Y-3.5%
OM growth 5Y0.48%
PM growth 3Y-6.1%
PM growth 5Y-3.22%
GM growth 3YN/A
GM growth 5YN/A
PEUG.PA Yearly Profit, Operating, Gross MarginsPEUG.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PEUG is destroying value.
The number of shares outstanding for PEUG remains at a similar level compared to 1 year ago.
The number of shares outstanding for PEUG remains at a similar level compared to 5 years ago.
The debt/assets ratio for PEUG is higher compared to a year ago.
PEUG.PA Yearly Shares OutstandingPEUG.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
PEUG.PA Yearly Total Debt VS Total AssetsPEUG.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

PEUG has an Altman-Z score of 1.61. This is a bad value and indicates that PEUG is not financially healthy and even has some risk of bankruptcy.
PEUG has a Altman-Z score (1.61) which is in line with its industry peers.
The Debt to FCF ratio of PEUG is 4.15, which is a neutral value as it means it would take PEUG, 4.15 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 4.15, PEUG is doing good in the industry, outperforming 72.34% of the companies in the same industry.
PEUG has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
PEUG has a Debt to Equity ratio of 0.27. This is in the better half of the industry: PEUG outperforms 65.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 4.15
Altman-Z 1.61
ROIC/WACC0.41
WACC5.93%
PEUG.PA Yearly LT Debt VS Equity VS FCFPEUG.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 1B 2B 3B 4B 5B

2.3 Liquidity

PEUG has a Current Ratio of 0.68. This is a bad value and indicates that PEUG is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of PEUG (0.68) is worse than 70.21% of its industry peers.
A Quick Ratio of 0.68 indicates that PEUG may have some problems paying its short term obligations.
PEUG has a worse Quick ratio (0.68) than 70.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.68
Quick Ratio 0.68
PEUG.PA Yearly Current Assets VS Current LiabilitesPEUG.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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1

3. Growth

3.1 Past

PEUG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.08%.
PEUG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.18% yearly.
Looking at the last year, PEUG shows a decrease in Revenue. The Revenue has decreased by -7.72% in the last year.
PEUG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.58% yearly.
EPS 1Y (TTM)7.08%
EPS 3Y-31.56%
EPS 5Y2.18%
EPS Q2Q%29.33%
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y-27.12%
Revenue growth 5Y5.58%
Sales Q2Q%28.76%

3.2 Future

Based on estimates for the next years, PEUG will show a decrease in Earnings Per Share. The EPS will decrease by -0.25% on average per year.
PEUG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by 0.00% yearly.
EPS Next Y-0.51%
EPS Next 2Y-0.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0%
Revenue Next 2Y0%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
PEUG.PA Yearly Revenue VS EstimatesPEUG.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
PEUG.PA Yearly EPS VS EstimatesPEUG.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.15, PEUG is valued correctly.
61.70% of the companies in the same industry are more expensive than PEUG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.54, PEUG is valued rather cheaply.
With a Price/Forward Earnings ratio of 15.38, PEUG is valued correctly.
PEUG's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, PEUG is valued rather cheaply.
Industry RankSector Rank
PE 13.15
Fwd PE 15.38
PEUG.PA Price Earnings VS Forward Price EarningsPEUG.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

PEUG's Enterprise Value to EBITDA ratio is in line with the industry average.
87.23% of the companies in the same industry are more expensive than PEUG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.61
EV/EBITDA 14.97
PEUG.PA Per share dataPEUG.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)6.03
EPS Next 2Y-0.25%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.20%, PEUG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.62, PEUG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, PEUG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.2%

5.2 History

The dividend of PEUG is nicely growing with an annual growth rate of 8.64%!
Dividend Growth(5Y)8.64%
Div Incr Years2
Div Non Decr Years3
PEUG.PA Yearly Dividends per sharePEUG.PA Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 1 2 3

5.3 Sustainability

55.15% of the earnings are spent on dividend by PEUG. This is a bit on the high side, but may be sustainable.
PEUG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP55.15%
EPS Next 2Y-0.25%
EPS Next 3YN/A
PEUG.PA Yearly Income VS Free CF VS DividendPEUG.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 100M 200M 300M 400M
PEUG.PA Dividend Payout.PEUG.PA Dividend Payout, showing the Payout Ratio.PEUG.PA Dividend Payout.PayoutRetained Earnings

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PEUGEOT INVEST

EPA:PEUG (7/18/2025, 7:00:00 PM)

77.2

-0.2 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-21 2025-03-21/amc
Earnings (Next)09-22 2025-09-22
Inst Owners9.55%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.92B
Analysts86
Price Target106.34 (37.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.2%
Yearly Dividend3.25
Dividend Growth(5Y)8.64%
DP55.15%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.25%
PT rev (3m)-7.95%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 13.15
Fwd PE 15.38
P/S 7.69
P/FCF 5.61
P/OCF 5.61
P/B 0.42
P/tB 0.42
EV/EBITDA 14.97
EPS(TTM)5.87
EY7.6%
EPS(NY)5.02
Fwd EY6.5%
FCF(TTM)13.75
FCFY17.81%
OCF(TTM)13.75
OCFY17.82%
SpS10.04
BVpS182.57
TBVpS182.57
PEG (NY)N/A
PEG (5Y)6.03
Profitability
Industry RankSector Rank
ROA 2.18%
ROE 3.22%
ROCE 3.28%
ROIC 2.41%
ROICexc 2.47%
ROICexgc 2.47%
OM 84.8%
PM (TTM) 58.49%
GM N/A
FCFM 136.96%
ROA(3y)2.3%
ROA(5y)2.85%
ROE(3y)3.49%
ROE(5y)4.35%
ROIC(3y)2.38%
ROIC(5y)2.92%
ROICexc(3y)2.42%
ROICexc(5y)2.95%
ROICexgc(3y)2.42%
ROICexgc(5y)2.95%
ROCE(3y)3.24%
ROCE(5y)3.97%
ROICexcg growth 3Y-22.71%
ROICexcg growth 5Y3.65%
ROICexc growth 3Y-22.71%
ROICexc growth 5Y3.65%
OM growth 3Y-3.5%
OM growth 5Y0.48%
PM growth 3Y-6.1%
PM growth 5Y-3.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 4.15
Debt/EBITDA 5.66
Cap/Depr 8.78%
Cap/Sales 0.05%
Interest Coverage 11.32
Cash Conversion 160.54%
Profit Quality 234.17%
Current Ratio 0.68
Quick Ratio 0.68
Altman-Z 1.61
F-Score7
WACC5.93%
ROIC/WACC0.41
Cap/Depr(3y)77.63%
Cap/Depr(5y)60.82%
Cap/Sales(3y)0.27%
Cap/Sales(5y)0.2%
Profit Quality(3y)173.4%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.08%
EPS 3Y-31.56%
EPS 5Y2.18%
EPS Q2Q%29.33%
EPS Next Y-0.51%
EPS Next 2Y-0.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y-27.12%
Revenue growth 5Y5.58%
Sales Q2Q%28.76%
Revenue Next Year0%
Revenue Next 2Y0%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-7.92%
EBIT growth 3Y-29.67%
EBIT growth 5Y6.09%
EBIT Next Year0%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.74%
FCF growth 3Y56.58%
FCF growth 5Y31.37%
OCF growth 1Y37.47%
OCF growth 3Y56.56%
OCF growth 5Y31.31%