AXA SA (1CS.MI) Fundamental Analysis & Valuation

BIT:1CS • FR0000120628

Current stock price

41.31 EUR
+0.96 (+2.38%)
Last:

This 1CS.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. 1CS.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1CS was profitable.
  • 1CS had a positive operating cash flow in the past year.
  • 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.
1CS.MI Yearly Net Income VS EBIT VS OCF VS FCF1CS.MI 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 5B 10B 15B 20B

1.2 Ratios

  • 1CS has a Return On Assets of 1.51%. This is comparable to the rest of the industry: 1CS outperforms 54.00% of its industry peers.
  • 1CS has a Return On Equity of 20.40%. This is in the better half of the industry: 1CS outperforms 72.00% of its industry peers.
  • 1CS has a better Return On Invested Capital (1.28%) than 64.00% of its industry peers.
  • 1CS had an Average Return On Invested Capital over the past 3 years of 1.22%. This is below the industry average of 3.90%.
  • The 3 year average ROIC (1.22%) for 1CS is below the current ROIC(1.28%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.51%
ROE 20.4%
ROIC 1.28%
ROA(3y)1.26%
ROA(5y)1.14%
ROE(3y)16.64%
ROE(5y)14.8%
ROIC(3y)1.22%
ROIC(5y)1.19%
1CS.MI Yearly ROA, ROE, ROIC1CS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • With a Profit Margin value of 10.48%, 1CS perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1CS has grown nicely.
  • 1CS's Operating Margin of 11.51% is in line compared to the rest of the industry. 1CS outperforms 48.00% of its industry peers.
  • In the last couple of years the Operating Margin of 1CS has grown nicely.
Industry RankSector Rank
OM 11.51%
PM (TTM) 10.48%
GM N/A
OM growth 3Y3.64%
OM growth 5Y14.49%
PM growth 3Y19.31%
PM growth 5Y31.84%
GM growth 3YN/A
GM growth 5YN/A
1CS.MI Yearly Profit, Operating, Gross Margins1CS.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. 1CS.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 1CS is destroying value.
  • 1CS has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for 1CS has been reduced compared to 5 years ago.
  • Compared to 1 year ago, 1CS has an improved debt to assets ratio.
1CS.MI Yearly Shares Outstanding1CS.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B
1CS.MI Yearly Total Debt VS Total Assets1CS.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • 1CS has an Altman-Z score of 0.38. 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 (0.38) than 84.00% of its industry peers.
  • The Debt to FCF ratio of 1CS is 1.22, which is an excellent value as it means it would take 1CS, only 1.22 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of 1CS (1.22) is better than 72.00% of its industry peers.
  • 1CS has a Debt/Equity ratio of 0.57. This is a neutral value indicating 1CS is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.57, 1CS is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • Although 1CS's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.57
Debt/FCF 1.22
Altman-Z 0.38
ROIC/WACC0.12
WACC10.68%
1CS.MI Yearly LT Debt VS Equity VS FCF1CS.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

  • 1CS has a Current Ratio of 0.86. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With an excellent Current ratio value of 0.86, 1CS belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
  • A Quick Ratio of 0.86 indicates that 1CS may have some problems paying its short term obligations.
  • With an excellent Quick ratio value of 0.86, 1CS belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.86
Quick Ratio 0.86
1CS.MI Yearly Current Assets VS Current Liabilites1CS.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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

4

3. 1CS.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.52% over the past year.
  • Measured over the past years, 1CS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.68% on average per year.
  • The Revenue has been growing slightly by 5.76% in the past year.
  • Measured over the past years, 1CS shows a decrease in Revenue. The Revenue has been decreasing by -4.15% on average per year.
EPS 1Y (TTM)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
Revenue 1Y (TTM)5.76%
Revenue growth 3Y-4.44%
Revenue growth 5Y-4.15%
Sales Q2Q%17.13%

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 6.68% 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 8.16% on average per year.
EPS Next Y11.01%
EPS Next 2Y9.18%
EPS Next 3Y8.36%
EPS Next 5Y6.68%
Revenue Next Year1.42%
Revenue Next 2Y4.12%
Revenue Next 3Y3.25%
Revenue Next 5Y8.16%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1CS.MI Yearly Revenue VS Estimates1CS.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 50B 100B
1CS.MI Yearly EPS VS Estimates1CS.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3 4 5

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7

4. 1CS.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1CS is valuated reasonably with a Price/Earnings ratio of 10.70.
  • Based on the Price/Earnings ratio, 1CS is valued cheaper than 82.00% of the companies in the same industry.
  • 1CS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.89.
  • A Price/Forward Earnings ratio of 9.64 indicates a reasonable valuation of 1CS.
  • Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than 80.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1CS to the average of the S&P500 Index (38.50), we can say 1CS is valued rather cheaply.
Industry RankSector Rank
PE 10.7
Fwd PE 9.64
1CS.MI Price Earnings VS Forward Price Earnings1CS.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1CS is valued cheaper than 88.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.94
EV/EBITDA N/A
1CS.MI Per share data1CS.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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.
  • 1CS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.97
PEG (5Y)0.61
EPS Next 2Y9.18%
EPS Next 3Y8.36%

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

7

5. 1CS.MI Dividend Analysis

5.1 Amount

  • 1CS has a Yearly Dividend Yield of 5.49%, which is a nice return.
  • 1CS's Dividend Yield is a higher than the industry average which is at 3.89.
  • 1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.49%

5.2 History

  • The dividend of 1CS is nicely growing with an annual growth rate of 25.07%!
Dividend Growth(5Y)25.07%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 49.13% of the earnings are spent on dividend by 1CS. This is a bit on the high side, but may be sustainable.
  • The dividend of 1CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.13%
EPS Next 2Y9.18%
EPS Next 3Y8.36%
1CS.MI Yearly Income VS Free CF VS Dividend1CS.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B
1CS.MI Dividend Payout.1CS.MI Dividend Payout, showing the Payout Ratio.1CS.MI Dividend Payout.PayoutRetained Earnings

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1CS.MI Fundamentals: All Metrics, Ratios and Statistics

AXA SA

BIT:1CS (4/8/2026, 7:00:00 PM)

41.31

+0.96 (+2.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)07-30
Inst Owners38.28%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap86.36B
Revenue(TTM)91.79B
Net Income(TTM)9.62B
Analysts82.67
Price Target47.1 (14.02%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.49%
Yearly Dividend2.24
Dividend Growth(5Y)25.07%
DP49.13%
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)2.38%
PT rev (3m)4.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.5%
EPS NY rev (3m)0.3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.26%
Revenue NY rev (3m)-6.42%
Valuation
Industry RankSector Rank
PE 10.7
Fwd PE 9.64
P/S 0.94
P/FCF 3.94
P/OCF 3.86
P/B 1.83
P/tB 3.46
EV/EBITDA N/A
EPS(TTM)3.86
EY9.34%
EPS(NY)4.28
Fwd EY10.37%
FCF(TTM)10.49
FCFY25.39%
OCF(TTM)10.69
OCFY25.88%
SpS43.9
BVpS22.56
TBVpS11.94
PEG (NY)0.97
PEG (5Y)0.61
Graham Number44.2675 (7.16%)
Profitability
Industry RankSector Rank
ROA 1.51%
ROE 20.4%
ROCE 1.69%
ROIC 1.28%
ROICexc 1.33%
ROICexgc 1.78%
OM 11.51%
PM (TTM) 10.48%
GM N/A
FCFM 23.89%
ROA(3y)1.26%
ROA(5y)1.14%
ROE(3y)16.64%
ROE(5y)14.8%
ROIC(3y)1.22%
ROIC(5y)1.19%
ROICexc(3y)1.26%
ROICexc(5y)1.24%
ROICexgc(3y)1.66%
ROICexgc(5y)1.61%
ROCE(3y)1.61%
ROCE(5y)1.58%
ROICexgc growth 3Y-0.47%
ROICexgc growth 5Y17.44%
ROICexc growth 3Y-1.21%
ROICexc growth 5Y14.97%
OM growth 3Y3.64%
OM growth 5Y14.49%
PM growth 3Y19.31%
PM growth 5Y31.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.57
Debt/FCF 1.22
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.47%
Interest Coverage 2.24
Cash Conversion N/A
Profit Quality 227.84%
Current Ratio 0.86
Quick Ratio 0.86
Altman-Z 0.38
F-Score8
WACC10.68%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.5%
Cap/Sales(5y)0.43%
Profit Quality(3y)144.7%
Profit Quality(5y)135.51%
High Growth Momentum
Growth
EPS 1Y (TTM)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
EPS Next Y11.01%
EPS Next 2Y9.18%
EPS Next 3Y8.36%
EPS Next 5Y6.68%
Revenue 1Y (TTM)5.76%
Revenue growth 3Y-4.44%
Revenue growth 5Y-4.15%
Sales Q2Q%17.13%
Revenue Next Year1.42%
Revenue Next 2Y4.12%
Revenue Next 3Y3.25%
Revenue Next 5Y8.16%
EBIT growth 1Y0.54%
EBIT growth 3Y-0.96%
EBIT growth 5Y9.73%
EBIT Next Year14.71%
EBIT Next 3Y8.27%
EBIT Next 5YN/A
FCF growth 1Y82.85%
FCF growth 3Y46.03%
FCF growth 5Y-0.29%
OCF growth 1Y79.3%
OCF growth 3Y44.6%
OCF growth 5Y-0.25%

AXA SA / 1CS.MI Fundamental Analysis 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.


Can you provide the profitability details for AXA SA?

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.


Can you provide the dividend sustainability for 1CS stock?

The dividend rating of AXA SA (1CS.MI) is 7 / 10 and the dividend payout ratio is 49.13%.