AXA SA (1CS.MI) Fundamental Analysis & Valuation
BIT:1CS • FR0000120628
41.54 EUR
+0.94 (+2.32%)
Last: Feb 27, 2026, 07:00 PM
This 1CS.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, 1CS scores 5 out of 10 in our fundamental rating. 1CS was compared to 46 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. 1CS also has an excellent dividend rating. These ratings would make 1CS suitable for dividend investing!
1. 1CS.MI Profitability Analysis
1.1 Basic Checks
- 1CS had positive earnings in the past year.
- 1CS had a positive operating cash flow in the past year.
- Each year in the past 5 years 1CS has been profitable.
- In the past 5 years 1CS always reported a positive cash flow from operatings.
1.2 Ratios
- 1CS has a Return On Assets (1.18%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 16.72%, 1CS is in the better half of the industry, outperforming 60.87% of the companies in the same industry.
- 1CS has a Return On Invested Capital of 1.28%. This is comparable to the rest of the industry: 1CS outperforms 58.70% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for 1CS is in line with the industry average of 3.09%.
| 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
- The Profit Margin of 1CS (8.52%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of 1CS has grown nicely.
- With a Operating Margin value of 11.47%, 1CS perfoms like the industry average, outperforming 43.48% 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. 1CS.MI Health Analysis
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
- Compared to 5 years ago, 1CS has less shares outstanding
- 1CS has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.35, we must say that 1CS is in the distress zone and has some risk of bankruptcy.
- 1CS has a Altman-Z score of 0.35. This is amongst the best in the industry. 1CS outperforms 91.30% 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's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. 1CS outperforms 71.74% of its industry peers.
- A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
- 1CS has a Debt to Equity ratio of 0.65. This is comparable to the rest of the industry: 1CS outperforms 47.83% of its industry peers.
- 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
WACC10.77%
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 better Current ratio (0.82) than 78.26% 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.
- 1CS has a Quick ratio of 0.82. This is in the better half of the industry: 1CS outperforms 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. 1CS.MI Growth Analysis
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.
- 1CS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.09% yearly.
- Looking at the last year, 1CS shows a small growth in Revenue. The Revenue has grown by 4.40% in the last 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 6.91% on average over the next years.
- Based on estimates for the next years, 1CS will show a quite strong growth in Revenue. The Revenue will grow by 8.17% on average per year.
EPS Next Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
EPS Next 5Y6.91%
Revenue Next Year8.42%
Revenue Next 2Y6.56%
Revenue Next 3Y6.39%
Revenue Next 5Y8.17%
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. 1CS.MI Valuation Analysis
4.1 Price/Earnings Ratio
- 1CS is valuated reasonably with a Price/Earnings ratio of 11.08.
- 1CS's Price/Earnings ratio is a bit cheaper when compared to the industry. 1CS is cheaper than 69.57% of the companies in the same industry.
- 1CS is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
- 1CS is valuated reasonably with a Price/Forward Earnings ratio of 9.72.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 71.74% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of 1CS to the average of the S&P500 Index (25.11), we can say 1CS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.08 | ||
| Fwd PE | 9.72 |
4.2 Price Multiples
- 80.43% 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 | 4.15 | ||
| 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)0.91
PEG (5Y)0.61
EPS Next 2Y9.08%
EPS Next 3Y8.44%
5. 1CS.MI Dividend Analysis
5.1 Amount
- 1CS has a Yearly Dividend Yield of 5.68%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.03, 1CS pays a better dividend. On top of this 1CS pays more dividend than 84.78% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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 2Y9.08%
EPS Next 3Y8.44%
1CS.MI Fundamentals: All Metrics, Ratios and Statistics
BIT:1CS (2/27/2026, 7:00:00 PM)
41.54
+0.94 (+2.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26 2026-02-26/amc
Earnings (Next)07-30 2026-07-30
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap86.84B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.76
Price Target46.01 (10.76%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)0.89%
PT rev (3m)1.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.62%
Revenue NY rev (3m)-0.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.08 | ||
| Fwd PE | 9.72 | ||
| P/S | 0.97 | ||
| P/FCF | 4.15 | ||
| P/OCF | 4.06 | ||
| P/B | 1.91 | ||
| P/tB | 3.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.03%
EPS(NY)4.27
Fwd EY10.28%
FCF(TTM)10.01
FCFY24.1%
OCF(TTM)10.24
OCFY24.64%
SpS42.7
BVpS21.76
TBVpS11.53
PEG (NY)0.91
PEG (5Y)0.61
Graham Number42.85
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
WACC10.77%
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 Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
EPS Next 5Y6.91%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year8.42%
Revenue Next 2Y6.56%
Revenue Next 3Y6.39%
Revenue Next 5Y8.17%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year26.98%
EBIT Next 3Y11.3%
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 for 1CS stock?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (1CS.MI). This can be considered as Fairly Valued.
What is the profitability of 1CS stock?
AXA SA (1CS.MI) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for 1CS stock?
The Price/Earnings (PE) ratio for AXA SA (1CS.MI) is 11.08 and the Price/Book (PB) ratio is 1.91.
Is the dividend of AXA SA sustainable?
The dividend rating of AXA SA (1CS.MI) is 7 / 10 and the dividend payout ratio is 61.79%.