AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CS - FR0000120628 - Common Stock
38.25 EUR
+0.07 (+0.18%)
Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 43 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1CS was profitable.
In the past year 1CS had a positive cash flow from operations.
Each year in the past 5 years 1CS has been profitable.
1CS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.18%, 1CS perfoms like the industry average, outperforming 53.85% 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 69.23% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.28%, 1CS is in line with its industry, outperforming 58.97% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1CS is in line with the industry average of 2.35%.
| 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
Looking at the Profit Margin, with a value of 8.52%, 1CS is in line with its industry, outperforming 48.72% of the companies in the same industry.
In the last couple of years the Profit Margin of 1CS has grown nicely.
Looking at the Operating Margin, with a value of 11.47%, 1CS is in line with its industry, outperforming 51.28% of the companies in the same 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1CS is destroying value.
Compared to 1 year ago, 1CS has less shares outstanding
1CS has less shares outstanding than it did 5 years ago.
1CS has a worse debt/assets ratio than last year.
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.
1CS has a better Altman-Z score (0.35) than 87.18% of its industry peers.
1CS has a debt to FCF ratio of 1.41. This is a very positive value and a sign of high solvency as it would only need 1.41 years to pay back of all of its debts.
1CS has a better Debt to FCF ratio (1.41) than 82.05% of its industry peers.
A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
The Debt to Equity ratio of 1CS (0.65) is comparable to the rest of the industry.
Even though the debt/equity ratio score it not favorable for 1CS, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.88%
2.3 Liquidity
1CS has a Current Ratio of 0.82. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
1CS has a Current ratio of 0.82. This is amongst the best in the industry. 1CS outperforms 89.74% of its industry peers.
1CS has a Quick Ratio of 0.82. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.82, 1CS belongs to the top of the industry, outperforming 89.74% 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.
1CS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.40%.
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
Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 6.71% on average per year.
Based on estimates for the next years, 1CS will show a quite strong growth in Revenue. The Revenue will grow by 8.53% on average per year.
EPS Next Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
Revenue Next 5Y8.53%
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
A Price/Earnings ratio of 10.20 indicates a reasonable valuation of 1CS.
84.62% of the companies in the same industry are more expensive than 1CS, based on the Price/Earnings ratio.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.94, which indicates a very decent valuation of 1CS.
1CS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1CS is cheaper than 79.49% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. 1CS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.94 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued cheaply inside the industry as 89.74% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.96 | ||
| 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)0.84
PEG (5Y)0.56
EPS Next 2Y9.15%
EPS Next 3Y8.43%
5. Dividend
5.1 Amount
1CS has a Yearly Dividend Yield of 5.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.64, 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 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
The dividend of 1CS is nicely growing with an annual growth rate of 8.12%!
Dividend Growth(5Y)8.12%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1CS pays out 61.79% of its income as dividend. 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 2Y9.15%
EPS Next 3Y8.43%
BIT:1CS (11/17/2025, 7:00:00 PM)
38.25
+0.07 (+0.18%)
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 Cap82.94B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.35 (18.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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)-0.85%
PT rev (3m)-0.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.07%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.94 | ||
| P/S | 0.93 | ||
| P/FCF | 3.96 | ||
| P/OCF | 3.88 | ||
| P/B | 1.82 | ||
| P/tB | 3.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.8%
EPS(NY)4.28
Fwd EY11.18%
FCF(TTM)9.65
FCFY25.23%
OCF(TTM)9.87
OCFY25.8%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.84
PEG (5Y)0.56
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
WACC10.88%
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 Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
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 Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
Revenue Next 5Y8.53%
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 7 / 10 to AXA SA (1CS.MI). This can be considered as Undervalued.
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 6 / 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%.