FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis

Europe • Euronext Paris • EPA:SACI • FR0000061418

26.8 EUR
0 (0%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall SACI gets a fundamental rating of 4 out of 10. We evaluated SACI against 43 industry peers in the Commercial Services & Supplies industry. While SACI has a great health rating, its profitability is only average at the moment. SACI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

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.
  • 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

  • Looking at the Return On Assets, with a value of 1.75%, SACI is in line with its industry, outperforming 44.19% of the companies in the same industry.
  • SACI has a Return On Equity (3.00%) which is in line with its industry peers.
  • With a Return On Invested Capital value of 2.36%, SACI perfoms like the industry average, outperforming 41.86% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SACI is significantly below the industry average of 8.97%.
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 of 1.39%. This is in the lower half of the industry: SACI underperforms 60.47% of its industry peers.
  • 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 65.12% 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 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

  • 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.
  • SACI has a Altman-Z score of 2.94. This is in the better half of the industry: SACI outperforms 79.07% of its industry peers.
  • 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.
  • SACI's Debt to FCF ratio of 0.52 is amongst the best of the industry. SACI outperforms 97.67% 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.
  • With an excellent Debt to Equity ratio value of 0.06, SACI belongs to the best of the industry, outperforming 93.02% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.52
Altman-Z 2.94
ROIC/WACC0.31
WACC7.71%
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

  • A Current Ratio of 1.43 indicates that SACI should not have too much problems paying its short term obligations.
  • The Current ratio of SACI (1.43) is better than 67.44% of its industry peers.
  • A Quick Ratio of 1.05 indicates that SACI should not have too much problems paying its short term obligations.
  • The Quick ratio of SACI (1.05) 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. Growth

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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 24.14, the valuation of SACI can be described as rather expensive.
  • SACI's Price/Earnings is on the same level as the industry average.
  • SACI's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
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 is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, SACI is valued cheaply inside the industry as 97.67% 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

3

5. Dividend

5.1 Amount

  • SACI has a Yearly Dividend Yield of 2.61%. Purely for dividend investing, there may be better candidates out there.
  • SACI's Dividend Yield is a higher than the industry average which is at 2.55.
  • SACI's Dividend Yield is a higher than the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.61%

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 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 (2/9/2026, 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 2.61%
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
WACC7.71%
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.