FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:SACI - FR0000061418 - Common Stock
26.4 EUR
0 (0%)
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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year SACI was profitable.
SACI had a positive operating cash flow in the past year.
SACI had positive earnings in each of the past 5 years.
SACI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SACI's Return On Assets of 1.75% is in line compared to the rest of the industry. SACI outperforms 52.38% of its industry peers.
SACI has a Return On Equity (3.00%) which is in line with its industry peers.
SACI has a Return On Invested Capital (2.36%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for SACI is below the industry average of 7.69%.
| 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 has a Profit Margin (1.18%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SACI has grown nicely.
The Operating Margin of SACI (1.39%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of SACI has grown nicely.
With a Gross Margin value of 37.24%, SACI is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
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.
With an excellent Altman-Z score value of 2.93, SACI belongs to the best of the industry, outperforming 88.10% of the companies in the same industry.
The Debt to FCF ratio of SACI is 0.54, which is an excellent value as it means it would take SACI, only 0.54 years of fcf income to pay off all of its debts.
SACI has a Debt to FCF ratio of 0.54. This is amongst the best in the industry. SACI outperforms 100.00% of its industry peers.
A Debt/Equity ratio of 0.06 indicates that SACI is not too dependend on debt financing.
SACI's Debt to Equity ratio of 0.06 is amongst the best of the industry. SACI outperforms 97.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.06 | ||
| Debt/FCF | 0.54 | ||
| Altman-Z | 2.93 |
ROIC/WACC0.31
WACC7.6%
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 73.81% of its industry peers.
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 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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 23.78, SACI is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of SACI is on the same level as its industry peers.
SACI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.78 | ||
| Fwd PE | N/A |
4.2 Price Multiples
SACI's Enterprise Value to EBITDA ratio is in line with the industry average.
95.24% 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 | 3.93 | ||
| EV/EBITDA | 10.37 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.18
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SACI has a Yearly Dividend Yield of 2.63%. Purely for dividend investing, there may be better candidates out there.
SACI's Dividend Yield is rather good when compared to the industry average which is at 3.97. SACI pays more dividend than 80.95% of the companies in the same industry.
SACI's Dividend Yield is comparable with the S&P500 average which is at 2.40.
| 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
62.81% of the earnings are spent on dividend by SACI. This is not a sustainable payout ratio.
DP62.81%
EPS Next 2YN/A
EPS Next 3YN/A
EPA:SACI (11/28/2025, 7:00:00 PM)
26.4
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 Cap57.29M
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 | 23.78 | ||
| Fwd PE | N/A | ||
| P/S | 0.28 | ||
| P/FCF | 3.93 | ||
| P/OCF | 3.48 | ||
| P/B | 0.71 | ||
| P/tB | 2.35 | ||
| EV/EBITDA | 10.37 |
EPS(TTM)1.11
EY4.2%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)6.72
FCFY25.45%
OCF(TTM)7.58
OCFY28.7%
SpS94.5
BVpS37.08
TBVpS11.24
PEG (NY)N/A
PEG (5Y)3.18
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
WACC7.6%
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%-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 5 / 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%.