SGE Fundamental Analysis - SOCIETE GENERALE SA

Fundamental Rating

Overall SGE gets a fundamental rating of 3 out of 10. We evaluated SGE against 118 industry peers in the Banks industry. SGE has a bad profitability rating. Also its financial health evaluation is rather negative. SGE is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

SGE had positive earnings in the past year.
SGE had a negative operating cash flow in the past year.
SGE had positive earnings in 4 of the past 5 years.
Of the past 5 years SGE 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.47%, SGE is doing worse than 72.88% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.75%, SGE is in line with its industry, outperforming 49.15% of the companies in the same 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

The Profit Margin of SGE (9.37%) is worse than 89.83% of its industry peers.
SGE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for SGE so they could not be analyzed.

		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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 5 years ago, SGE has less shares outstanding
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.
SGE has a Debt to Equity ratio of 1.09. This is in the better half of the industry: SGE outperforms 69.49% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.09
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.62%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

SGE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.58%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.46% on average over the past years.
The Revenue has been growing slightly by 5.57% in the past year.
Measured over the past years, SGE shows a quite strong growth in Revenue. The Revenue has been growing by 10.58% on average per year.

EPS 1Y (TTM)74.58%

EPS 3Y-11.71%

EPS 5Y7.46%

EPS Q2Q%19.21%

Revenue 1Y (TTM)5.57%

Revenue growth 3Y15.81%

Revenue growth 5Y10.58%

Sales Q2Q%-2.66%

3.2 Future

The Earnings Per Share is expected to grow by 8.65% on average over the next years. This is quite good.
Based on estimates for the next years, SGE will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.

EPS Next Y48.69%

EPS Next 2Y31.07%

EPS Next 3Y26.38%

EPS Next 5Y8.65%

Revenue Next Year2.27%

Revenue Next 2Y2.41%

Revenue Next 3Y2.75%

Revenue Next 5Y3.02%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.25, the valuation of SGE can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SGE is on the same level as its industry peers.
SGE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
The Price/Forward Earnings ratio is 9.37, which indicates a very decent valuation of SGE.
Based on the Price/Forward Earnings ratio, SGE is valued cheaply inside the industry as 87.29% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, SGE is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.25
Fwd PE	9.37

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

SGE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SGE's earnings are expected to grow with 26.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.23

PEG (5Y)1.51

EPS Next 2Y31.07%

EPS Next 3Y26.38%

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5. Dividend

5.1 Amount

No dividends for SGE!.

		Industry Rank	Sector Rank
Dividend Yield	0%

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SOCIETE GENERALE SA

FRA:SGE (1/16/2026, 7:00:00 PM)

70.32

-0.66 (-0.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-08 2026-01-08/bmo

Earnings (Next)02-06 2026-02-06/amc

Inst Owners47.13%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap53.93B

Revenue(TTM)78.21B

Net Income(TTM)7.34B

Analysts80.77

Price Target67.11 (-4.56%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

Yearly Dividend0.9

Dividend Growth(5Y)-16.56%

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)4.58%

PT rev (3m)7.9%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.39%

EPS NY rev (1m)0.29%

EPS NY rev (3m)4.38%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.05%

Revenue NY rev (1m)0.02%

Revenue NY rev (3m)0.16%

Valuation

		Industry Rank	Sector Rank
PE	11.25
Fwd PE	9.37
P/S	0.69
P/FCF	N/A
P/OCF	N/A
P/B	0.79
P/tB	0.85
EV/EBITDA	N/A

EPS(TTM)6.25

EY8.89%

EPS(NY)7.51

Fwd EY10.68%

FCF(TTM)-61.1

FCFYN/A

OCF(TTM)-47.95

OCFYN/A

SpS102.16

BVpS89.05

TBVpS82.42

PEG (NY)0.23

PEG (5Y)1.51

Graham Number111.91

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

WACC5.62%

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 Y48.69%

EPS Next 2Y31.07%

EPS Next 3Y26.38%

EPS Next 5Y8.65%

Revenue 1Y (TTM)5.57%

Revenue growth 3Y15.81%

Revenue growth 5Y10.58%

Sales Q2Q%-2.66%

Revenue Next Year2.27%

Revenue Next 2Y2.41%

Revenue Next 3Y2.75%

Revenue Next 5Y3.02%

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 for SGE 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 earnings growth outlook for SOCIETE GENERALE SA?

The Earnings per Share (EPS) of SOCIETE GENERALE SA (SGE.DE) is expected to grow by 48.69% in the next year.

SOCIETE GENERALE SA (SGE.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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SOCIETE GENERALE SA / SGE.DE FAQ

Can you provide the ChartMill fundamental rating for SOCIETE GENERALE SA?

What is the valuation status for SGE stock?

What is the profitability of SGE stock?

What is the earnings growth outlook for SOCIETE GENERALE SA?