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FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis

EPA:SACI - Euronext Paris - Matif - FR0000061418 - Common Stock - Currency: EUR

27.4  0 (0%)

Fundamental Rating

4

Overall SACI gets a fundamental rating of 4 out of 10. We evaluated SACI against 44 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

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4

1. Profitability

1.1 Basic Checks

In the past year SACI was profitable.
In the past year SACI had a positive cash flow from operations.
In the past 5 years SACI has always been profitable.
SACI had a positive operating cash flow in 4 of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

SACI has a Return On Assets of 1.84%. This is comparable to the rest of the industry: SACI outperforms 50.00% of its industry peers.
Looking at the Return On Equity, with a value of 2.96%, SACI is in line with its industry, outperforming 40.91% of the companies in the same industry.
SACI has a worse Return On Invested Capital (2.36%) than 61.36% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SACI is below the industry average of 7.49%.
Industry RankSector Rank
ROA 1.84%
ROE 2.96%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

The Profit Margin of SACI (1.18%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SACI has grown nicely.
Looking at the Operating Margin, with a value of 1.39%, SACI is doing worse than 61.36% of the companies in the same industry.
SACI's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 37.24%, SACI is in line with its industry, outperforming 43.18% of the companies in the same industry.
SACI's Gross Margin has improved in the last couple of years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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7

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SACI is destroying value.
SACI has about the same amout of shares outstanding than it did 1 year ago.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

2.2 Solvency

SACI has an Altman-Z score of 3.20. This indicates that SACI is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of SACI (3.20) is better than 86.36% of its industry peers.
The Debt to FCF ratio of SACI is 0.26, which is an excellent value as it means it would take SACI, only 0.26 years of fcf income to pay off all of its debts.
SACI has a Debt to FCF ratio of 0.26. This is amongst the best in the industry. SACI outperforms 97.73% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that SACI is not too dependend on debt financing.
SACI has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. SACI outperforms 90.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.26
Altman-Z 3.2
ROIC/WACC0.31
WACC7.6%
SACI.PA Yearly LT Debt VS Equity VS FCFSACI.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 20M 40M 60M 80M

2.3 Liquidity

A Current Ratio of 1.54 indicates that SACI should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.54, SACI is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
A Quick Ratio of 1.15 indicates that SACI should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.15, SACI is in the better half of the industry, outperforming 65.91% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.15
SACI.PA Yearly Current Assets VS Current LiabilitesSACI.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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1

3. Growth

3.1 Past

SACI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.89%.
The Earnings Per Share has been growing slightly by 7.48% on average over the past years.
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%-253.96%
Revenue 1Y (TTM)-7.66%
Revenue growth 3Y2.28%
Revenue growth 5Y1.2%
Sales Q2Q%-8.25%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 24.68 indicates a rather expensive valuation of SACI.
SACI's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of SACI to the average of the S&P500 Index (24.29), we can say SACI is valued inline with the index average.
Industry RankSector Rank
PE 24.68
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 is on the same level as the industry average.
100.00% of the companies in the same industry are more expensive than SACI, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA 9.93
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)3.3
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

SACI has a Yearly Dividend Yield of 2.55%.
SACI's Dividend Yield is a higher than the industry average which is at 3.71.
Compared to an average S&P500 Dividend Yield of 2.43, SACI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.55%

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
SACI.PA Yearly Dividends per shareSACI.PA Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 0.5 1

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
SACI.PA Yearly Income VS Free CF VS DividendSACI.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 10M -10M 20M
SACI.PA Dividend Payout.SACI.PA Dividend Payout, showing the Payout Ratio.SACI.PA Dividend Payout.PayoutRetained Earnings

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FIDUCIAL OFFICE SOLUTION

EPA:SACI (5/6/2025, 7:00:00 PM)

27.4

0 (0%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap59.46M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
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 24.68
Fwd PE N/A
P/S 0.29
P/FCF 2.62
P/OCF 2.38
P/B 0.73
P/tB 2.32
EV/EBITDA 9.93
EPS(TTM)1.11
EY4.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)10.46
FCFY38.18%
OCF(TTM)11.5
OCFY41.97%
SpS94.5
BVpS37.66
TBVpS11.79
PEG (NY)N/A
PEG (5Y)3.3
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 2.96%
ROCE 3.22%
ROIC 2.36%
ROICexc 2.39%
ROICexgc 6.65%
OM 1.39%
PM (TTM) 1.18%
GM 37.24%
FCFM 11.07%
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%
ROICexcg growth 3Y-18.79%
ROICexcg 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-Score5
Asset Turnover1.56
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.26
Debt/EBITDA 0.56
Cap/Depr 62.35%
Cap/Sales 1.1%
Interest Coverage 250
Cash Conversion 385.41%
Profit Quality 939.14%
Current Ratio 1.54
Quick Ratio 1.15
Altman-Z 3.2
F-Score5
WACC7.6%
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%-253.96%
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%-8.25%
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 1Y104.53%
FCF growth 3Y47.05%
FCF growth 5Y13.14%
OCF growth 1Y104%
OCF growth 3Y33.35%
OCF growth 5Y15.04%