FIDUCIAL OFFICE SOLUTION (SACI.PA) Fundamental Analysis & Valuation

EPA:SACI • FR0000061418

26.8 EUR
0 (0%)
Last: Mar 5, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

4

Taking everything into account, SACI scores 4 out of 10 in our fundamental rating. SACI was compared to 41 industry peers in the Commercial Services & Supplies industry. SACI has an excellent financial health rating, but there are some minor concerns on its profitability. SACI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. SACI.PA Profitability Analysis

1.1 Basic Checks

  • SACI had positive earnings in the past year.
  • SACI had a positive operating cash flow in the past year.
  • Each year in the past 5 years SACI has been profitable.
  • Of the past 5 years SACI 4 years had a positive operating cash flow.
SACI.PA Yearly Net Income VS EBIT VS OCF VS FCFSACI.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 0 10M -10M 20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.75%, SACI is in line with its industry, outperforming 46.34% of the companies in the same industry.
  • SACI has a Return On Equity (3.00%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 2.36%, SACI perfoms like the industry average, outperforming 41.46% of the companies in the same industry.
  • SACI had an Average Return On Invested Capital over the past 3 years of 2.97%. This is significantly below the industry average of 8.82%.
Industry RankSector 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%
SACI.PA Yearly ROA, ROE, ROICSACI.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • SACI has a Profit Margin of 1.18%. This is comparable to the rest of the industry: SACI outperforms 43.90% of its industry peers.
  • In the last couple of years the Profit Margin of SACI has grown nicely.
  • SACI has a Operating Margin of 1.39%. This is in the lower half of the industry: SACI underperforms 60.98% of its industry peers.
  • SACI's Operating Margin has improved in the last couple of years.
  • SACI has a worse Gross Margin (37.24%) than 65.85% of its industry peers.
  • In the last couple of years the Gross Margin of SACI has grown nicely.
Industry RankSector 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%
SACI.PA Yearly Profit, Operating, Gross MarginsSACI.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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7

2. SACI.PA Health Analysis

2.1 Basic Checks

  • SACI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, SACI has about the same amount of shares outstanding.
  • Compared to 5 years ago, SACI has about the same amount of shares outstanding.
  • The debt/assets ratio for SACI has been reduced compared to a year ago.
SACI.PA Yearly Shares OutstandingSACI.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
SACI.PA Yearly Total Debt VS Total AssetsSACI.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

2.2 Solvency

  • An Altman-Z score of 2.94 indicates that SACI is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With a decent Altman-Z score value of 2.94, SACI is doing good in the industry, outperforming 78.05% of the companies in the same industry.
  • SACI has a debt to FCF ratio of 0.52. This is a very positive value and a sign of high solvency as it would only need 0.52 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.52, SACI belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • 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 95.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.52
Altman-Z 2.94
ROIC/WACC0.31
WACC7.68%
SACI.PA Yearly LT Debt VS Equity VS FCFSACI.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

  • SACI has a Current Ratio of 1.43. This is a normal value and indicates that SACI is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 1.43, SACI is doing good in the industry, outperforming 68.29% of the companies in the same industry.
  • A Quick Ratio of 1.05 indicates that SACI should not have too much problems paying its short term obligations.
  • SACI has a Quick ratio (1.05) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.05
SACI.PA Yearly Current Assets VS Current LiabilitesSACI.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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

1

3. SACI.PA Growth Analysis

3.1 Past

  • The earnings per share for SACI have decreased by -7.89% in the last year.
  • Measured over the past 5 years, SACI shows a small growth in Earnings Per Share. The EPS has been growing by 7.48% on average per year.
  • Looking at the last year, SACI shows a decrease in Revenue. The Revenue has decreased by -7.66% in the last year.
  • The Revenue has been growing slightly by 1.20% on average over the past years.
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.
SACI.PA Yearly Revenue VS EstimatesSACI.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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2

4. SACI.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.14, which indicates a rather expensive current valuation of SACI.
  • The rest of the industry has a similar Price/Earnings ratio as SACI.
  • Compared to an average S&P500 Price/Earnings ratio of 26.74, SACI is valued at the same level.
Industry RankSector Rank
PE 24.14
Fwd PE N/A
SACI.PA Price Earnings VS Forward Price EarningsSACI.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • SACI's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SACI indicates a rather cheap valuation: SACI is cheaper than 97.56% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.91
EV/EBITDA 10.51
SACI.PA Per share dataSACI.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.23
EPS Next 2YN/A
EPS Next 3YN/A

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

0

5. SACI.PA Dividend Analysis

5.1 Amount

  • SACI does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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SACI.PA Fundamentals: All Metrics, Ratios and Statistics

FIDUCIAL OFFICE SOLUTION

EPA:SACI (3/5/2026, 7:00:00 PM)

26.8

0 (0%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)N/A
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap58.16M
Revenue(TTM)205.06M
Net Income(TTM)2.42M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 RankSector Rank
PE 24.14
Fwd PE N/A
P/S 0.28
P/FCF 3.91
P/OCF 3.47
P/B 0.72
P/tB 2.38
EV/EBITDA 10.51
EPS(TTM)1.11
EY4.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.86
FCFY25.59%
OCF(TTM)7.72
OCFY28.8%
SpS94.5
BVpS37.08
TBVpS11.24
PEG (NY)N/A
PEG (5Y)3.23
Graham Number30.43
Profitability
Industry RankSector 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 7.26%
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 RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.52
Debt/EBITDA 0.83
Cap/Depr 57.4%
Cap/Sales 0.91%
Interest Coverage 250
Cash Conversion 273.99%
Profit Quality 615.64%
Current Ratio 1.43
Quick Ratio 1.05
Altman-Z 2.94
F-Score4
WACC7.68%
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 1Y270.15%
FCF growth 3Y47.05%
FCF growth 5Y13.14%
OCF growth 1Y196.44%
OCF growth 3Y33.35%
OCF growth 5Y15.04%

FIDUCIAL OFFICE SOLUTION / SACI.PA FAQ

What is the fundamental rating for SACI stock?

ChartMill assigns a fundamental rating of 4 / 10 to SACI.PA.


What is the valuation status for SACI stock?

ChartMill assigns a valuation rating of 2 / 10 to FIDUCIAL OFFICE SOLUTION (SACI.PA). This can be considered as Overvalued.


What is the profitability of SACI stock?

FIDUCIAL OFFICE SOLUTION (SACI.PA) has a profitability rating of 4 / 10.


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

The Price/Earnings (PE) ratio for FIDUCIAL OFFICE SOLUTION (SACI.PA) is 24.14 and the Price/Book (PB) ratio is 0.72.