SOCIETE GENERALE SA (SGE.DE) Fundamental Analysis & Valuation

FRA:SGE • FR0000130809

Current stock price

64.28 EUR
-1.62 (-2.46%)
Last:

This SGE.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SGE.DE Profitability Analysis

1.1 Basic Checks

  • In the past year SGE was profitable.
  • In the past year SGE has reported a negative cash flow from operations.
  • SGE had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: SGE reported negative operating cash flow in multiple years.
SGE.DE Yearly Net Income VS EBIT VS OCF VS FCFSGE.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B 80B

1.2 Ratios

  • The Return On Assets of SGE (0.52%) is worse than 66.04% of its industry peers.
  • The Return On Equity of SGE (11.52%) is comparable to the rest of the industry.
Industry RankSector 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
SGE.DE Yearly ROA, ROE, ROICSGE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 4 6

1.3 Margins

  • SGE has a Profit Margin of 10.34%. This is amonst the worse of the industry: SGE underperforms 89.62% 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 RankSector Rank
OM N/A
PM (TTM) 10.34%
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
SGE.DE Yearly Profit, Operating, Gross MarginsSGE.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

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2

2. SGE.DE Health Analysis

2.1 Basic Checks

  • SGE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, SGE has less shares outstanding
  • SGE has less shares outstanding than it did 5 years ago.
  • SGE has a better debt/assets ratio than last year.
SGE.DE Yearly Shares OutstandingSGE.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
SGE.DE Yearly Total Debt VS Total AssetsSGE.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • SGE has a Debt/Equity ratio of 0.94. This is a neutral value indicating SGE is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.94, SGE is in the better half of the industry, outperforming 66.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.87%
SGE.DE Yearly LT Debt VS Equity VS FCFSGE.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SGE.DE Yearly Current Assets VS Current LiabilitesSGE.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SGE.DE Growth Analysis

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.
  • SGE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 82.06% yearly.
  • The Revenue has been growing slightly by 1.68% in the past 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)1.68%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%

3.2 Future

  • SGE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.07% yearly.
  • Based on estimates for the next years, SGE will show a small growth in Revenue. The Revenue will grow by 3.31% on average per year.
EPS Next Y15.41%
EPS Next 2Y16.2%
EPS Next 3Y14.69%
EPS Next 5Y5.07%
Revenue Next Year3.08%
Revenue Next 2Y3.29%
Revenue Next 3Y3.31%
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.
SGE.DE Yearly Revenue VS EstimatesSGE.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
SGE.DE Yearly EPS VS EstimatesSGE.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6 8 10

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5

4. SGE.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.45, the valuation of SGE can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of SGE indicates a somewhat cheap valuation: SGE is cheaper than 70.75% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.17. SGE is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.19 indicates a reasonable valuation of SGE.
  • Based on the Price/Forward Earnings ratio, SGE is valued cheaply inside the industry as 87.74% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.05. SGE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.45
Fwd PE 8.19
SGE.DE Price Earnings VS Forward Price EarningsSGE.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SGE.DE Per share dataSGE.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 100

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 14.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.12
EPS Next 2Y16.2%
EPS Next 3Y14.69%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SGE.DE Dividend Analysis

5.1 Amount

  • SGE has a Yearly Dividend Yield of 2.59%. Purely for dividend investing, there may be better candidates out there.
  • With a Dividend Yield of 2.59, SGE pays less dividend than the industry average, which is at 4.88. 84.91% 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 1.89.
Industry RankSector Rank
Dividend Yield 2.59%

5.2 History

  • On average, the dividend of SGE grows each year by 9.40%, which is quite nice.
Dividend Growth(5Y)9.4%
Div Incr Years1
Div Non Decr Years1
SGE.DE Yearly Dividends per shareSGE.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • SGE pays out 16.27% of its income as dividend. This is a sustainable payout ratio.
  • SGE's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP16.27%
EPS Next 2Y16.2%
EPS Next 3Y14.69%
SGE.DE Yearly Income VS Free CF VS DividendSGE.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B
SGE.DE Dividend Payout.SGE.DE Dividend Payout, showing the Payout Ratio.SGE.DE Dividend Payout.PayoutRetained Earnings

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SGE.DE Fundamentals: All Metrics, Ratios and Statistics

SOCIETE GENERALE SA

FRA:SGE (4/2/2026, 7:00:00 PM)

64.28

-1.62 (-2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)04-30
Inst Owners48.22%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap48.32B
Revenue(TTM)78.14B
Net Income(TTM)8.08B
Analysts73.57
Price Target81.53 (26.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.59%
Yearly Dividend1.69
Dividend Growth(5Y)9.4%
DP16.27%
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)0%
PT rev (3m)21.5%
EPS NQ rev (1m)3.93%
EPS NQ rev (3m)2.06%
EPS NY rev (1m)0%
EPS NY rev (3m)4.54%
Revenue NQ rev (1m)0.47%
Revenue NQ rev (3m)0.91%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 9.45
Fwd PE 8.19
P/S 0.62
P/FCF N/A
P/OCF N/A
P/B 0.69
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)6.8
EY10.58%
EPS(NY)7.85
Fwd EY12.21%
FCF(TTM)-38.59
FCFYN/A
OCF(TTM)-26.14
OCFYN/A
SpS103.95
BVpS93.31
TBVpS86.55
PEG (NY)0.61
PEG (5Y)0.12
Graham Number119.49
Profitability
Industry RankSector Rank
ROA 0.52%
ROE 11.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.34%
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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.94
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 91%
Cap/Sales 11.98%
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
WACC5.87%
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 Y15.41%
EPS Next 2Y16.2%
EPS Next 3Y14.69%
EPS Next 5Y5.07%
Revenue 1Y (TTM)1.68%
Revenue growth 3Y17.24%
Revenue growth 5Y12.55%
Sales Q2Q%1.57%
Revenue Next Year3.08%
Revenue Next 2Y3.29%
Revenue Next 3Y3.31%
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 Fundamental Analysis 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.


How profitable is SOCIETE GENERALE SA (SGE.DE) stock?

SOCIETE GENERALE SA (SGE.DE) has a profitability rating of 2 / 10.


What are the PE and PB ratios of SOCIETE GENERALE SA (SGE.DE) stock?

The Price/Earnings (PE) ratio for SOCIETE GENERALE SA (SGE.DE) is 9.45 and the Price/Book (PB) ratio is 0.69.


Can you provide the financial health for SGE stock?

The financial health rating of SOCIETE GENERALE SA (SGE.DE) is 2 / 10.