SOCIETE GENERALE SA (SGE.DE) Stock Fundamental Analysis
FRA:SGE • FR0000130809
73.82 EUR
+1.44 (+1.99%)
Last: Feb 20, 2026, 07:00 PM
Taking everything into account, SGE scores 3 out of 10 in our fundamental rating. SGE was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of SGE have multiple concerns. SGE has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year SGE was profitable.
- SGE had a negative operating cash flow in the past year.
- Each year in the past 5 years SGE has been profitable.
- In multiple years SGE reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of SGE (0.52%) is worse than 67.59% of its industry peers.
- SGE's Return On Equity of 11.52% is in line compared to the rest of the industry. SGE outperforms 53.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 11.52% | ||
| ROIC | N/A |
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SGE's Profit Margin of 13.55% is on the low side compared to the rest of the industry. SGE is outperformed by 86.11% of its industry peers.
- SGE's Profit Margin has improved 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) | 13.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.68%
PM growth 5YN/A
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 has been reduced compared to 1 year ago.
- Compared to 5 years ago, SGE has less shares outstanding
- SGE has a better debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 2.34 is on the high side and indicates that SGE has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 2.34, SGE is doing worse than 62.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.01%
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 55.61% over the past year.
- The Earnings Per Share has been growing by 82.06% on average over the past years. This is a very strong growth
- Looking at the last year, SGE shows a very negative growth in Revenue. The Revenue has decreased by -22.39% in the last year.
- The Revenue has been growing by 12.55% on average over the past years. This is quite good.
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
3.2 Future
- Based on estimates for the next years, SGE will show a decrease in Earnings Per Share. The EPS will decrease by -1.15% on average per year.
- Based on estimates for the next years, SGE will show a small growth in Revenue. The Revenue will grow by 3.27% on average per year.
EPS Next Y10.49%
EPS Next 2Y13.98%
EPS Next 3Y11.21%
EPS Next 5Y-1.15%
Revenue Next Year2.54%
Revenue Next 2Y2.99%
Revenue Next 3Y3.27%
Revenue Next 5YN/A
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 decreasing.
- 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
- A Price/Earnings ratio of 10.86 indicates a reasonable valuation of SGE.
- 60.19% of the companies in the same industry are more expensive than SGE, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 26.99. SGE is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.82, which indicates a very decent valuation of SGE.
- SGE's Price/Forward Earnings ratio is rather cheap when compared to the industry. SGE is cheaper than 85.19% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.02. SGE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.82 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SGE's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)0.13
EPS Next 2Y13.98%
EPS Next 3Y11.21%
5. Dividend
5.1 Amount
- SGE has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 2.28, SGE pays less dividend than the industry average, which is at 4.37. 84.26% of the companies listed in the same industry pay a better dividend than SGE!
- SGE's Dividend Yield is a higher than the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
5.2 History
- The dividend of SGE decreases each year by -16.56%.
Dividend Growth(5Y)-16.56%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
- SGE's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y13.98%
EPS Next 3Y11.21%
FRA:SGE (2/20/2026, 7:00:00 PM)
73.82
+1.44 (+1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2026-02-06/bmo
Earnings (Next)04-30 2026-04-30
Inst Owners47.13%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap56.61B
Revenue(TTM)59.64B
Net Income(TTM)8.08B
Analysts74.07
Price Target73.2 (-0.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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)20.21%
Min EPS beat(2)15.33%
Max EPS beat(2)25.08%
EPS beat(4)4
Avg EPS beat(4)17.56%
Min EPS beat(4)13.7%
Max EPS beat(4)25.08%
EPS beat(8)7
Avg EPS beat(8)12.26%
EPS beat(12)8
Avg EPS beat(12)6.72%
EPS beat(16)12
Avg EPS beat(16)21.21%
Revenue beat(2)2
Avg Revenue beat(2)0.43%
Min Revenue beat(2)0.02%
Max Revenue beat(2)0.85%
Revenue beat(4)4
Avg Revenue beat(4)0.49%
Min Revenue beat(4)0.02%
Max Revenue beat(4)0.85%
Revenue beat(8)8
Avg Revenue beat(8)1.16%
Revenue beat(12)8
Avg Revenue beat(12)-0.06%
Revenue beat(16)12
Avg Revenue beat(16)33.82%
PT rev (1m)8.92%
PT rev (3m)14.46%
EPS NQ rev (1m)-2.56%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)2.8%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 9.82 | ||
| P/S | 0.95 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.81 | ||
| P/tB | 0.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.8
EY9.21%
EPS(NY)7.51
Fwd EY10.18%
FCF(TTM)-37.83
FCFYN/A
OCF(TTM)-25.62
OCFYN/A
SpS77.77
BVpS91.47
TBVpS84.84
PEG (NY)1.03
PEG (5Y)0.13
Graham Number118.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 11.52% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.55% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.22%
ROA(5y)0.22%
ROE(3y)5.04%
ROE(5y)4.94%
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 3Y38.68%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.34 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91% | ||
| Cap/Sales | 15.7% | ||
| 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-Score4
WACC6.01%
ROIC/WACCN/A
Cap/Depr(3y)119.42%
Cap/Depr(5y)131.27%
Cap/Sales(3y)18.05%
Cap/Sales(5y)18.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)55.61%
EPS 3Y1.2%
EPS 5Y82.06%
EPS Q2Q%51.89%
EPS Next Y10.49%
EPS Next 2Y13.98%
EPS Next 3Y11.21%
EPS Next 5Y-1.15%
Revenue 1Y (TTM)-22.39%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
Revenue Next Year2.54%
Revenue Next 2Y2.99%
Revenue Next 3Y3.27%
Revenue Next 5YN/A
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-34.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-94.56%
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 10.49% in the next year.