AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - BIT:1CS - FR0000120628 - Common Stock
39.42 EUR
+0.22 (+0.56%)
1CS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 43 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1CS was profitable.
1CS had a positive operating cash flow in the past year.
In the past 5 years 1CS has always been profitable.
In the past 5 years 1CS always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.18%, 1CS is in line with its industry, outperforming 51.16% of the companies in the same industry.
1CS has a Return On Equity of 16.72%. This is in the better half of the industry: 1CS outperforms 65.12% of its industry peers.
1CS has a Return On Invested Capital (1.28%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for 1CS is in line with the industry average of 2.22%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROIC | 1.28% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
1.3 Margins
1CS has a Profit Margin (8.52%) which is comparable to the rest of the industry.
1CS's Profit Margin has improved in the last couple of years.
The Operating Margin of 1CS (11.47%) is comparable to the rest of the industry.
1CS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A |
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1CS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for 1CS has been reduced compared to 1 year ago.
Compared to 5 years ago, 1CS has less shares outstanding
Compared to 1 year ago, 1CS has a worse debt to assets ratio.
2.2 Solvency
1CS has an Altman-Z score of 0.35. This is a bad value and indicates that 1CS is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of 1CS (0.35) is better than 93.02% of its industry peers.
The Debt to FCF ratio of 1CS is 1.41, which is an excellent value as it means it would take 1CS, only 1.41 years of fcf income to pay off all of its debts.
1CS's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. 1CS outperforms 76.74% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.65, 1CS perfoms like the industry average, outperforming 48.84% of the companies in the same industry.
Although 1CS does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.79%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
1CS has a better Current ratio (0.82) than 86.05% of its industry peers.
A Quick Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
With an excellent Quick ratio value of 0.82, 1CS belongs to the best of the industry, outperforming 86.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.70% over the past year.
1CS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.09% yearly.
The Revenue has been growing slightly by 4.40% in the past year.
The Revenue has been decreasing by -8.16% on average over the past years.
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
3.2 Future
1CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.71% yearly.
Based on estimates for the next years, 1CS will show a quite strong growth in Revenue. The Revenue will grow by 8.18% on average per year.
EPS Next Y14.56%
EPS Next 2Y9.07%
EPS Next 3Y8.29%
EPS Next 5Y6.71%
Revenue Next Year8.83%
Revenue Next 2Y6.98%
Revenue Next 3Y7.01%
Revenue Next 5Y8.18%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.51, the valuation of 1CS can be described as reasonable.
Based on the Price/Earnings ratio, 1CS is valued a bit cheaper than 79.07% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.19, 1CS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.23, the valuation of 1CS can be described as reasonable.
Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than the industry average as 74.42% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, 1CS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 9.23 |
4.2 Price Multiples
81.40% of the companies in the same industry are more expensive than 1CS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.08 | ||
| 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.
PEG (NY)0.72
PEG (5Y)0.58
EPS Next 2Y9.07%
EPS Next 3Y8.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.35%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.57, 1CS pays a bit more dividend than its industry peers.
1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
5.2 History
On average, the dividend of 1CS grows each year by 8.12%, which is quite nice.
Dividend Growth(5Y)8.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
61.79% of the earnings are spent on dividend by 1CS. This is not a sustainable payout ratio.
1CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.07%
EPS Next 3Y8.29%
BIT:1CS (10/23/2025, 7:00:00 PM)
39.42
+0.22 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.83%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap85.47B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.74 (16.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.35% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.82%
PT rev (3m)0.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.02%
EPS NY rev (3m)2.68%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.51 | ||
| Fwd PE | 9.23 | ||
| P/S | 0.96 | ||
| P/FCF | 4.08 | ||
| P/OCF | 3.99 | ||
| P/B | 1.88 | ||
| P/tB | 3.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.51%
EPS(NY)4.27
Fwd EY10.83%
FCF(TTM)9.65
FCFY24.48%
OCF(TTM)9.87
OCFY25.03%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.72
PEG (5Y)0.58
Graham Number42.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 16.72% | ||
| ROCE | 1.62% | ||
| ROIC | 1.28% | ||
| ROICexc | 1.33% | ||
| ROICexgc | 1.74% | ||
| OM | 11.47% | ||
| PM (TTM) | 8.52% | ||
| GM | N/A | ||
| FCFM | 23.44% |
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
ROICexc(3y)1.34%
ROICexc(5y)1.16%
ROICexgc(3y)1.75%
ROICexgc(5y)1.48%
ROCE(3y)1.62%
ROCE(5y)1.41%
ROICexgc growth 3Y10.47%
ROICexgc growth 5Y16.55%
ROICexc growth 3Y8.69%
ROICexc growth 5Y14.36%
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.53% | ||
| Interest Coverage | 1.98 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 275.1% | ||
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.79%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)0.4%
Profit Quality(3y)104.89%
Profit Quality(5y)238.88%
High Growth Momentum
Growth
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
EPS Next Y14.56%
EPS Next 2Y9.07%
EPS Next 3Y8.29%
EPS Next 5Y6.71%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year8.83%
Revenue Next 2Y6.98%
Revenue Next 3Y7.01%
Revenue Next 5Y8.18%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.92%
EBIT Next 3Y11.14%
EBIT Next 5YN/A
FCF growth 1Y150.74%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y145.39%
OCF growth 3Y7.85%
OCF growth 5Y9.48%
AXA SA / 1CS.MI FAQ
What is the fundamental rating for 1CS stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1CS.MI.
What is the valuation status of AXA SA (1CS.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (1CS.MI). This can be considered as Fairly Valued.
How profitable is AXA SA (1CS.MI) stock?
AXA SA (1CS.MI) has a profitability rating of 5 / 10.
What is the financial health of AXA SA (1CS.MI) stock?
The financial health rating of AXA SA (1CS.MI) is 5 / 10.
How sustainable is the dividend of AXA SA (1CS.MI) stock?
The dividend rating of AXA SA (1CS.MI) is 6 / 10 and the dividend payout ratio is 61.79%.