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

EPA:SACI • FR0000061418

Current stock price

26.8 EUR
0 (0%)
Last:

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

5

1. SACI.PA Profitability Analysis

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

  • SACI has a Return On Assets (1.75%) which is comparable to the rest of the industry.
  • SACI has a Return On Equity (3.00%) which is comparable to the rest of the industry.
  • SACI's Return On Invested Capital of 2.36% is in line compared to the rest of the industry. SACI outperforms 45.00% of its industry peers.
  • SACI had an Average Return On Invested Capital over the past 3 years of 2.97%. This is significantly below the industry average of 8.44%.
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 (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.
  • SACI has a Operating Margin (1.39%) which is comparable to the rest of the 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 67.50% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. SACI.PA Health Analysis

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.
  • The number of shares outstanding for SACI remains at a similar level compared to 5 years ago.
  • 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

  • SACI has an Altman-Z score of 2.94. 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.
  • SACI has a Altman-Z score of 2.94. This is in the better half of the industry: SACI outperforms 80.00% of its industry peers.
  • The Debt to FCF ratio of SACI is 0.52, which is an excellent value as it means it would take SACI, only 0.52 years of fcf income to pay off all of its debts.
  • SACI's Debt to FCF ratio of 0.52 is amongst the best of the industry. SACI outperforms 100.00% 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's Debt to Equity ratio of 0.06 is amongst the best of the industry. SACI outperforms 95.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.52
Altman-Z 2.94
ROIC/WACC0.31
WACC7.57%
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.
  • The Current ratio of SACI (1.43) is better than 67.50% 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's Quick ratio of 1.05 is in line compared to the rest of the industry. SACI outperforms 57.50% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

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

More info and screens

Find the best growth stocksShow best growing peers

3

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.
  • Based on the Price/Earnings ratio, SACI is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.21. SACI is around the same levels.
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.
  • Based on the Price/Free Cash Flow ratio, SACI is valued cheaply inside the industry as 97.50% of the companies are valued more expensively.
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

More info and screens

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

0

5. SACI.PA Dividend Analysis

5.1 Amount

  • No dividends for SACI!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SACI.PA Fundamentals: All Metrics, Ratios and Statistics

FIDUCIAL OFFICE SOLUTION

EPA:SACI (4/2/2026, 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 Years0
Div Non Decr Years0
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
WACC7.57%
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 Fundamental Analysis FAQ

What is the fundamental rating for SACI stock?

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


Can you provide the valuation status for FIDUCIAL OFFICE SOLUTION?

ChartMill assigns a valuation rating of 3 / 10 to FIDUCIAL OFFICE SOLUTION (SACI.PA). This can be considered as Overvalued.


Can you provide the profitability details for FIDUCIAL OFFICE SOLUTION?

FIDUCIAL OFFICE SOLUTION (SACI.PA) has a profitability rating of 5 / 10.


What is the valuation of FIDUCIAL OFFICE SOLUTION based on its PE and PB ratios?

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


Is the dividend of FIDUCIAL OFFICE SOLUTION sustainable?

The dividend rating of FIDUCIAL OFFICE SOLUTION (SACI.PA) is 0 / 10 and the dividend payout ratio is 62.81%.