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

BIT:1CS • FR0000120628

38.07 EUR
-0.8 (-2.06%)
Last: Mar 5, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

5

Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 47 industry peers in the Insurance industry. Both the profitability and the financial health of 1CS get a neutral evaluation. Nothing too spectacular is happening here. 1CS has a valuation in line with the averages, but it does not seem to be growing. Finally 1CS also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. 1CS.MI Profitability Analysis

1.1 Basic Checks

  • 1CS had positive earnings in the past year.
  • In the past year 1CS had a positive cash flow from operations.
  • 1CS had positive earnings in 4 of the past 5 years.
  • 1CS had a positive operating cash flow in 4 of the past 5 years.
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 5B 10B 15B 20B

1.2 Ratios

  • 1CS's Return On Assets of 1.18% is in line compared to the rest of the industry. 1CS outperforms 42.55% of its industry peers.
  • 1CS's Return On Equity of 16.72% is fine compared to the rest of the industry. 1CS outperforms 61.70% of its industry peers.
  • 1CS has a Return On Invested Capital of 1.28%. This is comparable to the rest of the industry: 1CS outperforms 53.19% of its industry peers.
  • 1CS had an Average Return On Invested Capital over the past 3 years of 1.29%. This is below the industry average of 3.45%.
Industry RankSector 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%
1CS.MI Yearly ROA, ROE, ROIC1CS.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.52%, 1CS is in line with its industry, outperforming 44.68% of the companies in the same 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 44.68% of the companies in the same industry.
  • In the last couple of years the Operating Margin of 1CS has grown nicely.
Industry RankSector 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
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 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. 1CS.MI Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1CS is destroying value.
  • There is no outstanding debt for 1CS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
1CS.MI Yearly Shares Outstanding1CS.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200B 400B 600B 800B

2.2 Solvency

  • 1CS has an Altman-Z score of 0.34. This is a bad value and indicates that 1CS is not financially healthy and even has some risk of bankruptcy.
  • 1CS has a Altman-Z score of 0.34. This is amongst the best in the industry. 1CS outperforms 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.
  • 1CS's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. 1CS outperforms 68.09% of its industry peers.
  • 1CS has a Debt/Equity ratio of 0.65. This is a neutral value indicating 1CS is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.65, 1CS perfoms like the industry average, outperforming 46.81% of the companies in the same 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 RankSector Rank
Debt/Equity 0.65
Debt/FCF 1.41
Altman-Z 0.34
ROIC/WACC0.12
WACC10.95%
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 20B 40B 60B

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.
  • Looking at the Current ratio, with a value of 0.82, 1CS is in the better half of the industry, outperforming 78.72% 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 a decent Quick ratio value of 0.82, 1CS is doing good in the industry, outperforming 78.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82
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 10B 20B 30B

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

3

3. 1CS.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.52% 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 17.68% yearly.
EPS 1Y (TTM)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

  • The Earnings Per Share is expected to grow by 6.68% 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 8.16% on average per year.
EPS Next Y10.45%
EPS Next 2Y8.72%
EPS Next 3Y8.29%
EPS Next 5Y6.68%
Revenue Next Year0.15%
Revenue Next 2Y3.38%
Revenue Next 3Y2.31%
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.
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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6

4. 1CS.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.86, the valuation of 1CS can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 74.47% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1CS to the average of the S&P500 Index (26.15), we can say 1CS is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.93, which indicates a very decent valuation of 1CS.
  • Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than the industry average as 74.47% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 24.27. 1CS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.86
Fwd PE 8.93
1CS.MI Price Earnings VS Forward Price Earnings1CS.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, 1CS is valued cheaply inside the industry as 82.98% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.8
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.
PEG (NY)0.94
PEG (5Y)0.56
EPS Next 2Y8.72%
EPS Next 3Y8.29%

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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 6.10%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.21, 1CS pays a better dividend. On top of this 1CS pays more dividend than 89.36% 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 RankSector Rank
Dividend Yield 6.1%

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

  • 61.79% of the earnings are spent on dividend by 1CS. 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 2Y8.72%
EPS Next 3Y8.29%
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 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 (3/5/2026, 7:00:00 PM)

38.07

-0.8 (-2.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)07-30
Inst Owners38.26%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap79.59B
Revenue(TTM)N/A
Net Income(TTM)7.61B
Analysts82.67
Price Target46.01 (20.86%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.1%
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)0.97%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.29%
EPS NY rev (3m)-0.08%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.17%
Revenue NY rev (3m)-3.17%
Valuation
Industry RankSector Rank
PE 9.86
Fwd PE 8.93
P/S 0.89
P/FCF 3.8
P/OCF 3.72
P/B 1.75
P/tB 3.3
EV/EBITDA N/A
EPS(TTM)3.86
EY10.14%
EPS(NY)4.26
Fwd EY11.2%
FCF(TTM)10.01
FCFY26.29%
OCF(TTM)10.24
OCFY26.89%
SpS42.7
BVpS21.76
TBVpS11.53
PEG (NY)0.94
PEG (5Y)0.56
Graham Number43.47
Profitability
Industry RankSector 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 RankSector 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 0.34
F-Score7
WACC10.95%
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)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
EPS Next Y10.45%
EPS Next 2Y8.72%
EPS Next 3Y8.29%
EPS Next 5Y6.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year0.15%
Revenue Next 2Y3.38%
Revenue Next 3Y2.31%
Revenue Next 5Y8.16%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year26.98%
EBIT Next 3Y11.06%
EBIT Next 5Y9.48%
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 4 / 10.


Can you provide the PE and PB ratios for 1CS stock?

The Price/Earnings (PE) ratio for AXA SA (1CS.MI) is 9.86 and the Price/Book (PB) ratio is 1.75.


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%.