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FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis

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

26.6  0 (0%)

Fundamental Rating

4

SACI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 40 industry peers in the Commercial Services & Supplies industry. SACI is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SACI does not seem to be growing, but still is valued expensively.


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.
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 has a Return On Assets (1.84%) which is in line with its industry peers.
SACI has a Return On Equity of 2.96%. This is comparable to the rest of the industry: SACI outperforms 47.50% of its industry peers.
The Return On Invested Capital of SACI (2.36%) 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 7.17%.
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

With a Profit Margin value of 1.18%, SACI perfoms like the industry average, outperforming 52.50% of the companies in the same 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 62.50% of the companies in the same industry.
SACI's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 37.24%, SACI is not doing good in the industry: 62.50% 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 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

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.
SACI has about the same amout of shares outstanding than it did 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 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

An Altman-Z score of 3.18 indicates that SACI is not in any danger for bankruptcy at the moment.
SACI has a Altman-Z score of 3.18. This is amongst the best in the industry. SACI outperforms 90.00% of its industry peers.
SACI has a debt to FCF ratio of 0.26. This is a very positive value and a sign of high solvency as it would only need 0.26 years to pay back of all of its debts.
SACI has a Debt to FCF ratio of 0.26. This is amongst the best in the industry. SACI outperforms 97.50% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that SACI is not too dependend on debt financing.
SACI has a better Debt to Equity ratio (0.04) than 97.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.26
Altman-Z 3.18
ROIC/WACC0.32
WACC7.42%
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.
The Current ratio of SACI (1.54) is better than 70.00% of its industry peers.
SACI has a Quick Ratio of 1.15. This is a normal value and indicates that SACI is financially healthy and should not expect problems in meeting 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 65.00% 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%.
SACI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.48% yearly.
SACI shows a decrease in Revenue. In the last year, the revenue decreased by -7.66%.
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%-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

With a Price/Earnings ratio of 23.96, SACI is valued on the expensive side.
SACI's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.35, SACI is valued at the same level.
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.
97.50% 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 2.54
EV/EBITDA 9.66
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%. 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 4.22.
SACI's Dividend Yield is comparable with the S&P500 average which is at 2.36.
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

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
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 (7/24/2025, 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 2.54
P/OCF 2.31
P/B 0.71
P/tB 2.26
EV/EBITDA 9.66
EPS(TTM)1.11
EY4.17%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)10.46
FCFY39.32%
OCF(TTM)11.5
OCFY43.23%
SpS94.5
BVpS37.66
TBVpS11.79
PEG (NY)N/A
PEG (5Y)3.2
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 3.18
F-Score5
WACC7.42%
ROIC/WACC0.32
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%