SOCIETE GENERALE SA (SGE.DE) Stock Fundamental Analysis
Europe - FRA:SGE - FR0000130809 - Common Stock
54.62 EUR
-1.1 (-1.97%)
SGE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. Both the profitability and financial health of SGE have multiple concerns. SGE is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
SGE had positive earnings in the past year.
In the past year SGE has reported a negative cash flow from operations.
Of the past 5 years SGE 4 years were profitable.
SGE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.47%, SGE is not doing good in the industry: 68.42% of the companies in the same industry are doing better.
SGE has a Return On Equity (10.75%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROIC | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SGE has a Profit Margin of 9.37%. This is amonst the worse of the industry: SGE underperforms 87.37% of its industry peers.
SGE's Profit Margin has declined in the last couple of years.
SGE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SGE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SGE remains at a similar level compared to 1 year ago.
SGE has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SGE is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 1.09 is on the high side and indicates that SGE has dependencies on debt financing.
The Debt to Equity ratio of SGE (1.09) is better than 73.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 74.58% over the past year.
Measured over the past 5 years, SGE shows a small growth in Earnings Per Share. The EPS has been growing by 7.46% on average per year.
SGE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.46%.
The Revenue has been growing by 10.58% on average over the past years. This is quite good.
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
3.2 Future
The Earnings Per Share is expected to grow by 8.91% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.03% on average over the next years.
EPS Next Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.03%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.74, the valuation of SGE can be described as reasonable.
SGE's Price/Earnings ratio is a bit cheaper when compared to the industry. SGE is cheaper than 77.89% of the companies in the same industry.
SGE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
Based on the Price/Forward Earnings ratio of 7.47, the valuation of SGE can be described as very cheap.
Based on the Price/Forward Earnings ratio, SGE is valued cheaper than 89.47% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.73, SGE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.74 | ||
| Fwd PE | 7.47 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SGE's earnings are expected to grow with 25.55% in the coming years.
PEG (NY)0.2
PEG (5Y)1.17
EPS Next 2Y29.33%
EPS Next 3Y25.55%
5. Dividend
5.1 Amount
SGE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:SGE (11/7/2025, 7:00:00 PM)
54.62
-1.1 (-1.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.31%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap42.89B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts78.46
Price Target62.85 (15.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.9
Dividend Growth(5Y)-16.46%
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.91%
Min EPS beat(2)13.7%
Max EPS beat(2)16.12%
EPS beat(4)4
Avg EPS beat(4)13.05%
Min EPS beat(4)8.57%
Max EPS beat(4)16.12%
EPS beat(8)5
Avg EPS beat(8)-0.08%
EPS beat(12)8
Avg EPS beat(12)8.46%
EPS beat(16)12
Avg EPS beat(16)28.39%
Revenue beat(2)2
Avg Revenue beat(2)0.55%
Min Revenue beat(2)0.31%
Max Revenue beat(2)0.78%
Revenue beat(4)4
Avg Revenue beat(4)1.5%
Min Revenue beat(4)0.31%
Max Revenue beat(4)2.8%
Revenue beat(8)6
Avg Revenue beat(8)0.42%
Revenue beat(12)8
Avg Revenue beat(12)21.24%
Revenue beat(16)12
Avg Revenue beat(16)49.84%
PT rev (1m)1.06%
PT rev (3m)18.03%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-0.72%
EPS NY rev (1m)1.1%
EPS NY rev (3m)12.06%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.74 | ||
| Fwd PE | 7.47 | ||
| P/S | 0.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.63 | ||
| P/tB | 0.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY11.44%
EPS(NY)7.31
Fwd EY13.38%
FCF(TTM)-59.68
FCFYN/A
OCF(TTM)-46.84
OCFYN/A
SpS99.78
BVpS86.98
TBVpS80.5
PEG (NY)0.2
PEG (5Y)1.17
Graham Number110.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.98% | ||
| Cap/Sales | 12.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.4%
ROIC/WACCN/A
Cap/Depr(3y)148.86%
Cap/Depr(5y)134.31%
Cap/Sales(3y)21.21%
Cap/Sales(5y)19.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
EPS Next Y44.02%
EPS Next 2Y29.33%
EPS Next 3Y25.55%
EPS Next 5Y8.91%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.13%
Revenue Next 2Y2.38%
Revenue Next 3Y2.76%
Revenue Next 5Y3.03%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-201.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-167.82%
OCF growth 3YN/A
OCF growth 5YN/A
SOCIETE GENERALE SA / SGE.DE FAQ
Can you provide the ChartMill fundamental rating for SOCIETE GENERALE SA?
ChartMill assigns a fundamental rating of 3 / 10 to SGE.DE.
What is the valuation status of SOCIETE GENERALE SA (SGE.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to SOCIETE GENERALE SA (SGE.DE). This can be considered as Fairly Valued.
What is the profitability of SGE stock?
SOCIETE GENERALE SA (SGE.DE) has a profitability rating of 2 / 10.
What is the financial health of SOCIETE GENERALE SA (SGE.DE) stock?
The financial health rating of SOCIETE GENERALE SA (SGE.DE) is 1 / 10.
What is the expected EPS growth for SOCIETE GENERALE SA (SGE.DE) stock?
The Earnings per Share (EPS) of SOCIETE GENERALE SA (SGE.DE) is expected to grow by 44.02% in the next year.