SOCIETE GENERALE SA (SGE.DE) Stock Fundamental Analysis
FRA:SGE • FR0000130809
73.98 EUR
-0.4 (-0.54%)
Last: Feb 24, 2026, 07:00 PM
SGE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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.
- In the past year SGE has reported a negative cash flow from operations.
- Each year in the past 5 years SGE has been profitable.
- The reported operating cash flow has been mixed in the past 5 years: SGE reported negative operating cash flow in multiple years.
1.2 Ratios
- SGE has a worse Return On Assets (0.52%) 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 has a Profit Margin of 13.55%. This is amonst the worse of the industry: SGE underperforms 86.11% of its industry peers.
- In the last couple of years the Profit Margin of SGE has grown nicely.
- 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) | 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.
- SGE has less shares outstanding than it did 1 year ago.
- SGE has less shares outstanding than it did 5 years ago.
- SGE has a better debt/assets ratio than last year.
2.2 Solvency
- SGE has a Debt/Equity ratio of 2.34. This is a high value indicating a heavy dependency on external financing.
- SGE's Debt to Equity ratio of 2.34 is on the low side compared to the rest of the industry. SGE is outperformed by 62.04% of its industry peers.
| 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
- SGE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.61%, which is quite impressive.
- The Earnings Per Share has been growing by 82.06% on average over the past years. This is a very strong growth
- The Revenue for SGE has decreased by -22.39% in the past year. This is quite bad
- SGE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.55% yearly.
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
- SGE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.15% yearly.
- SGE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.27% yearly.
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
- SGE is valuated reasonably with a Price/Earnings ratio of 10.88.
- Compared to the rest of the industry, the Price/Earnings ratio of SGE indicates a somewhat cheap valuation: SGE is cheaper than 60.19% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of SGE to the average of the S&P500 Index (26.98), we can say SGE is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.85 indicates a reasonable valuation of SGE.
- Based on the Price/Forward Earnings ratio, SGE is valued cheaply inside the industry as 84.26% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, SGE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.88 | ||
| Fwd PE | 9.85 |
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)1.04
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.
- Compared to an average industry Dividend Yield of 4.37, SGE's dividend is way lower than its industry peers. On top of this 84.26% of the companies listed in the same industry pay a better dividend than SGE!
- Compared to an average S&P500 Dividend Yield of 1.81, SGE pays a bit more dividend than the S&P500 average.
| 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
- The Dividend Rate of SGE has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y13.98%
EPS Next 3Y11.21%
FRA:SGE (2/24/2026, 7:00:00 PM)
73.98
-0.4 (-0.54%)
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 Cap56.73B
Revenue(TTM)59.64B
Net Income(TTM)8.08B
Analysts74.07
Price Target73.2 (-1.05%)
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 | 10.88 | ||
| Fwd PE | 9.85 | ||
| 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
EY9.19%
EPS(NY)7.51
Fwd EY10.16%
FCF(TTM)-37.83
FCFYN/A
OCF(TTM)-25.62
OCFYN/A
SpS77.77
BVpS91.47
TBVpS84.84
PEG (NY)1.04
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.