FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis
EPA:SACI - Euronext Paris - Matif - FR0000061418 - Common Stock - Currency: EUR
SACI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 43 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 is valued expensive and it does not seem to be growing.
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.
In the past 5 years SACI has always been profitable.
SACI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SACI has a Return On Assets (1.84%) which is in line with its industry peers.
The Return On Equity of SACI (2.96%) is comparable to the rest of the industry.
SACI has a Return On Invested Capital of 2.36%. This is in the lower half of the industry: SACI underperforms 60.47% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SACI is below the industry average of 6.94%.
| Industry Rank | Sector 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%
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's Operating Margin of 1.39% is on the low side compared to the rest of the industry. SACI is outperformed by 65.12% of its industry peers.
In the last couple of years the Operating Margin of SACI has grown nicely.
SACI has a Gross Margin of 37.24%. This is in the lower half of the industry: SACI underperforms 60.47% of its industry peers.
SACI's Gross Margin has improved in the last couple of years.
| 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.
Compared to 1 year ago, SACI has about the same amount of shares outstanding.
SACI has about the same amout of shares outstanding than it did 5 years ago.
SACI has a better debt/assets ratio than last year.
2.2 Solvency
SACI has an Altman-Z score of 3.19. This indicates that SACI is financially healthy and has little risk of bankruptcy at the moment.
SACI has a Altman-Z score of 3.19. This is amongst the best in the industry. SACI outperforms 88.37% 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 better Debt to FCF ratio (0.26) than 95.35% of its industry peers.
SACI has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
SACI's Debt to Equity ratio of 0.04 is amongst the best of the industry. SACI outperforms 95.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.26 | ||
| Altman-Z | 3.19 |
ROIC/WACC0.32
WACC7.48%
2.3 Liquidity
A Current Ratio of 1.54 indicates that SACI should not have too much problems paying its short term obligations.
SACI has a better Current ratio (1.54) than 69.77% 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.
SACI has a Quick ratio of 1.15. This is in the better half of the industry: SACI outperforms 62.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.15 |
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.
The Revenue has decreased by -7.66% in the past 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%-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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 24.14, SACI is valued on the expensive side.
SACI's Price/Earnings is on the same level as the industry average.
SACI is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.14 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SACI indicates a slightly more expensive valuation: SACI is more expensive than 60.47% of the companies listed in the same industry.
100.00% 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 | 2.56 | ||
| EV/EBITDA | 9.73 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)3.23
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SACI has a Yearly Dividend Yield of 2.61%.
Compared to an average industry Dividend Yield of 4.25, SACI pays a bit more dividend than its industry peers.
SACI's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector 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
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
EPA:SACI (6/5/2025, 7:00:00 PM)
26.8
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 Cap58.16M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.14 | ||
| Fwd PE | N/A | ||
| P/S | 0.28 | ||
| P/FCF | 2.56 | ||
| P/OCF | 2.33 | ||
| P/B | 0.71 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 9.73 |
EPS(TTM)1.11
EY4.14%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)10.46
FCFY39.03%
OCF(TTM)11.5
OCFY42.91%
SpS94.5
BVpS37.66
TBVpS11.79
PEG (NY)N/A
PEG (5Y)3.23
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.19 |
F-Score5
WACC7.48%
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%