AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CS - FR0000120628 - Common Stock
38.79 EUR
+0.1 (+0.26%)
Taking everything into account, 1CS scores 5 out of 10 in our fundamental rating. 1CS was compared to 45 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS may be a bit undervalued, certainly considering the very reasonable score on growth With these ratings, 1CS could be worth investigating further for value investing!.
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.
1CS had positive earnings in each of the past 5 years.
Each year in the past 5 years 1CS had a positive operating cash flow.
1.2 Ratios
1CS has a Return On Assets of 1.18%. This is comparable to the rest of the industry: 1CS outperforms 48.94% of its industry peers.
1CS has a better Return On Equity (16.72%) than 68.09% 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 2.72%.
| 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 in line with its industry peers.
In the last couple of years the Profit Margin of 1CS has grown nicely.
1CS has a Operating Margin (11.47%) which is in line with its industry peers.
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.
Compared to 1 year ago, 1CS has less shares outstanding
1CS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1CS is higher compared to a year ago.
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 85.11% 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.
With a decent Debt to FCF ratio value of 1.41, 1CS is doing good in the industry, outperforming 74.47% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
1CS's Debt to Equity ratio of 0.65 is in line compared to the rest of the industry. 1CS outperforms 48.94% of its industry peers.
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
WACC10.81%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
With an excellent Current ratio value of 0.82, 1CS belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
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 87.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
1CS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.70%, which is quite good.
Measured over the past years, 1CS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.09% on average per year.
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
The Earnings Per Share is expected to grow by 6.92% on average over the next years.
The Revenue is expected to grow by 8.53% on average over the next years. This is quite good.
EPS Next Y11.96%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
EPS Next 5Y6.92%
Revenue Next Year9.09%
Revenue Next 2Y7%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.34, the valuation of 1CS can be described as very reasonable.
Based on the Price/Earnings ratio, 1CS is valued cheaper than 82.98% of the companies in the same industry.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.08 indicates a reasonable valuation of 1CS.
Based on the Price/Forward Earnings ratio, 1CS is valued cheaply inside the industry as 80.85% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.84. 1CS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 9.08 |
4.2 Price Multiples
89.36% 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 | 3.94 | ||
| 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)0.86
PEG (5Y)0.57
EPS Next 2Y9.07%
EPS Next 3Y8.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.27%, 1CS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.95, 1CS pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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
1CS pays out 61.79% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 1CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
BIT:1CS (12/8/2025, 7:00:00 PM)
38.79
+0.1 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.12%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap82.38B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.57 (17.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
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)0.48%
PT rev (3m)0.44%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.2%
EPS NY rev (3m)-2.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.34 | ||
| Fwd PE | 9.08 | ||
| P/S | 0.92 | ||
| P/FCF | 3.94 | ||
| P/OCF | 3.85 | ||
| P/B | 1.81 | ||
| P/tB | 3.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.67%
EPS(NY)4.27
Fwd EY11.01%
FCF(TTM)9.85
FCFY25.4%
OCF(TTM)10.08
OCFY25.98%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.86
PEG (5Y)0.57
Graham Number42.51
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
WACC10.81%
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 Y11.96%
EPS Next 2Y9.07%
EPS Next 3Y8.34%
EPS Next 5Y6.92%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.09%
Revenue Next 2Y7%
Revenue Next 3Y6.85%
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 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%.