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FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis

Europe - EPA:SACI - FR0000061418 - Common Stock

26.6 EUR
0 (0%)
Last: 9/26/2025, 7:00:00 PM
Fundamental Rating

4

SACI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 42 industry peers in the Commercial Services & Supplies industry. While SACI has a great health rating, its profitability is only average at the moment. SACI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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5

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.
SACI had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

SACI's Return On Assets of 1.75% is in line compared to the rest of the industry. SACI outperforms 47.62% of its industry peers.
With a Return On Equity value of 3.00%, SACI perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
With a Return On Invested Capital value of 2.36%, SACI perfoms like the industry average, outperforming 42.86% 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 below the industry average of 7.57%.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

With a Profit Margin value of 1.18%, SACI perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
SACI's Profit Margin has improved in the last couple of years.
SACI has a Operating Margin (1.39%) which is in line with its industry peers.
SACI's Operating Margin has improved in the last couple of years.
SACI has a worse Gross Margin (37.24%) than 61.90% of its industry peers.
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.
The number of shares outstanding for SACI remains at a similar level compared to 1 year ago.
The number of shares outstanding for SACI remains at a similar level compared to 5 years ago.
SACI has a better debt/assets ratio than last year.
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 2.93. This is not the best score and indicates that SACI is in the grey zone with still only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.93, SACI belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
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 Debt to FCF ratio of 0.54. This is amongst the best in the industry. SACI outperforms 95.24% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that SACI is not too dependend on debt financing.
The Debt to Equity ratio of SACI (0.06) is better than 92.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.54
Altman-Z 2.93
ROIC/WACC0.31
WACC7.58%
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

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.
SACI has a Current ratio of 1.43. This is in the better half of the industry: SACI outperforms 61.90% of its industry peers.
SACI has a Quick Ratio of 1.05. This is a normal value and indicates that SACI is financially healthy and should not expect problems in meeting its short term obligations.
SACI's Quick ratio of 1.05 is in line compared to the rest of the industry. SACI outperforms 47.62% of its industry peers.
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 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%.
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.
The Revenue has decreased by -7.66% in the past year.
Measured over the past years, SACI shows a small growth in Revenue. The Revenue has been growing by 1.20% on average per year.
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 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

Based on the Price/Earnings ratio of 23.96, the valuation of SACI can be described as rather expensive.
SACI's Price/Earnings ratio is in line with the industry average.
SACI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.32.
Industry RankSector Rank
PE 23.96
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as SACI.
97.62% 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 3.96
EV/EBITDA 10.44
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)3.2
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 2.63%.
SACI's Dividend Yield is a higher than the industry average which is at 4.10.
SACI's Dividend Yield is comparable with the S&P500 average which is at 2.42.
Industry RankSector 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
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 (9/26/2025, 7:00:00 PM)

26.6

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 Cap57.72M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
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 7.11%
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%
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-Score4
Asset Turnover1.49
Health
Industry RankSector 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
WACC7.58%
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%