FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis
Europe - EPA:SACI - FR0000061418 - Common Stock
26.6 EUR
0 (0%)
We assign a fundamental rating of 4 out of 10 to SACI. SACI was compared to 40 industry peers in the Commercial Services & Supplies industry. SACI is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SACI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
SACI had positive earnings in the past year.
In the past year SACI had a positive cash flow from operations.
In the past 5 years SACI has always been profitable.
Of the past 5 years SACI 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.75%, SACI perfoms like the industry average, outperforming 45.24% of the companies in the same industry.
SACI has a Return On Equity (3.00%) which is in line with its industry peers.
The Return On Invested Capital of SACI (2.36%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for SACI is significantly below the industry average of 8.34%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.75% | ||
| ROE | 3% | ||
| ROIC | 2.36% |
ROA(3y)1.66%
ROA(5y)1.51%
ROE(3y)2.86%
ROE(5y)2.69%
ROIC(3y)2.97%
ROIC(5y)2.87%
1.3 Margins
SACI's Profit Margin of 1.18% is in line compared to the rest of the industry. SACI outperforms 45.24% of its industry peers.
SACI's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 1.39%, SACI is doing worse than 61.90% of the companies in the same industry.
SACI's Operating Margin has improved in the last couple of years.
SACI has a Gross Margin of 37.24%. This is in the lower half of the industry: SACI underperforms 64.29% of its industry peers.
In the last couple of years the Gross Margin of SACI has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.39% | ||
| PM (TTM) | 1.18% | ||
| GM | 37.24% |
OM growth 3Y-15.93%
OM growth 5Y5.16%
PM growth 3Y-2.08%
PM growth 5Y6.21%
GM growth 3Y-0.14%
GM growth 5Y15%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SACI is destroying value.
Compared to 1 year ago, SACI has about the same amount of shares outstanding.
SACI has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for SACI has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.93 indicates that SACI is not a great score, but indicates only limited risk for bankruptcy at the moment.
SACI has a better Altman-Z score (2.93) than 80.95% of its industry peers.
SACI has a debt to FCF ratio of 0.54. This is a very positive value and a sign of high solvency as it would only need 0.54 years to pay back of all of its debts.
SACI has a better Debt to FCF ratio (0.54) than 97.62% of its industry peers.
SACI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
SACI has a Debt to Equity ratio of 0.06. This is amongst the best in the industry. SACI outperforms 92.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.54 | ||
| Altman-Z | 2.93 |
ROIC/WACC0.31
WACC7.66%
2.3 Liquidity
A Current Ratio of 1.43 indicates that SACI should not have too much problems paying its short term obligations.
SACI's Current ratio of 1.43 is fine compared to the rest of the industry. SACI outperforms 69.05% of its industry peers.
A Quick Ratio of 1.05 indicates that SACI should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.05, SACI is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
The earnings per share for SACI have decreased by -7.89% in the last year.
SACI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.48% yearly.
Looking at the last year, SACI shows a decrease in Revenue. The Revenue has decreased by -7.66% in the last year.
SACI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.20% yearly.
EPS 1Y (TTM)-7.89%
EPS 3Y0.15%
EPS 5Y7.48%
EPS Q2Q%-92.27%
Revenue 1Y (TTM)-7.66%
Revenue growth 3Y2.28%
Revenue growth 5Y1.2%
Sales Q2Q%-9.04%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 23.96, SACI is valued on the expensive side.
The rest of the industry has a similar Price/Earnings ratio as SACI.
SACI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.96 | ||
| Fwd PE | N/A |
4.2 Price Multiples
SACI's Enterprise Value to EBITDA ratio is in line with the industry average.
97.62% of the companies in the same industry are more expensive than SACI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.96 | ||
| EV/EBITDA | 10.44 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.2
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.63%, SACI has a reasonable but not impressive dividend return.
SACI's Dividend Yield is a higher than the industry average which is at 3.93.
SACI's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
5.2 History
The dividend of SACI decreases each year by -12.82%.
Dividend Growth(5Y)-12.82%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
SACI pays out 62.81% of its income as dividend. This is not a sustainable payout ratio.
DP62.81%
EPS Next 2YN/A
EPS Next 3YN/A
EPA:SACI (10/24/2025, 7:00:00 PM)
26.6
0 (0%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap57.72M
Revenue(TTM)205.06M
Net Income(TTM)2.42M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.63% |
Yearly Dividend0.7
Dividend Growth(5Y)-12.82%
DP62.81%
Div Incr Years1
Div Non Decr Years1
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.96 | ||
| Fwd PE | N/A | ||
| P/S | 0.28 | ||
| P/FCF | 3.96 | ||
| P/OCF | 3.51 | ||
| P/B | 0.72 | ||
| P/tB | 2.37 | ||
| EV/EBITDA | 10.44 |
EPS(TTM)1.11
EY4.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.72
FCFY25.26%
OCF(TTM)7.58
OCFY28.49%
SpS94.5
BVpS37.08
TBVpS11.24
PEG (NY)N/A
PEG (5Y)3.2
Graham Number30.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.75% | ||
| ROE | 3% | ||
| ROCE | 3.21% | ||
| ROIC | 2.36% | ||
| ROICexc | 2.41% | ||
| ROICexgc | 6.74% | ||
| OM | 1.39% | ||
| PM (TTM) | 1.18% | ||
| GM | 37.24% | ||
| FCFM | 7.11% |
ROA(3y)1.66%
ROA(5y)1.51%
ROE(3y)2.86%
ROE(5y)2.69%
ROIC(3y)2.97%
ROIC(5y)2.87%
ROICexc(3y)3.06%
ROICexc(5y)2.94%
ROICexgc(3y)8.83%
ROICexgc(5y)8.84%
ROCE(3y)4.11%
ROCE(5y)3.95%
ROICexgc growth 3Y-18.79%
ROICexgc growth 5Y-7.92%
ROICexc growth 3Y-15.51%
ROICexc growth 5Y3.89%
OM growth 3Y-15.93%
OM growth 5Y5.16%
PM growth 3Y-2.08%
PM growth 5Y6.21%
GM growth 3Y-0.14%
GM growth 5Y15%
F-Score4
Asset Turnover1.49
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.54 | ||
| Debt/EBITDA | 0.83 | ||
| Cap/Depr | 57.24% | ||
| Cap/Sales | 0.91% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 269.03% | ||
| Profit Quality | 603.23% | ||
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.05 | ||
| Altman-Z | 2.93 |
F-Score4
WACC7.66%
ROIC/WACC0.31
Cap/Depr(3y)42.75%
Cap/Depr(5y)65.33%
Cap/Sales(3y)0.79%
Cap/Sales(5y)1.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.89%
EPS 3Y0.15%
EPS 5Y7.48%
EPS Q2Q%-92.27%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.66%
Revenue growth 3Y2.28%
Revenue growth 5Y1.2%
Sales Q2Q%-9.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.17%
EBIT growth 3Y-14.01%
EBIT growth 5Y6.42%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y262.69%
FCF growth 3Y47.05%
FCF growth 5Y13.14%
OCF growth 1Y191.03%
OCF growth 3Y33.35%
OCF growth 5Y15.04%
FIDUCIAL OFFICE SOLUTION / SACI.PA FAQ
What is the ChartMill fundamental rating of FIDUCIAL OFFICE SOLUTION (SACI.PA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SACI.PA.
What is the valuation status of FIDUCIAL OFFICE SOLUTION (SACI.PA) stock?
ChartMill assigns a valuation rating of 2 / 10 to FIDUCIAL OFFICE SOLUTION (SACI.PA). This can be considered as Overvalued.
How profitable is FIDUCIAL OFFICE SOLUTION (SACI.PA) stock?
FIDUCIAL OFFICE SOLUTION (SACI.PA) has a profitability rating of 4 / 10.
How financially healthy is FIDUCIAL OFFICE SOLUTION?
The financial health rating of FIDUCIAL OFFICE SOLUTION (SACI.PA) is 7 / 10.
Can you provide the dividend sustainability for SACI stock?
The dividend rating of FIDUCIAL OFFICE SOLUTION (SACI.PA) is 3 / 10 and the dividend payout ratio is 62.81%.