AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CS - FR0000120628 - Common Stock
39.13 EUR
-0.64 (-1.61%)
1CS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- 1CS had positive earnings in the past year.
- 1CS had a positive operating cash flow in the past year.
- 1CS had positive earnings in each of the past 5 years.
- In the past 5 years 1CS always reported a positive cash flow from operatings.
1.2 Ratios
- 1CS's Return On Assets of 1.18% is in line compared to the rest of the industry. 1CS outperforms 47.92% of its industry peers.
- 1CS has a better Return On Equity (16.72%) than 64.58% 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 56.25% 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 2.70%.
| 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 45.83% of the companies in the same industry.
- 1CS's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 11.47%, 1CS is in line with its industry, outperforming 47.92% 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.
- 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.
- With an excellent Altman-Z score value of 0.35, 1CS belongs to the best of the industry, outperforming 85.42% of the companies in the same industry.
- The Debt to FCF ratio of 1CS is 1.41, which is an excellent value as it means it would take 1CS, only 1.41 years of fcf income to pay off all of its debts.
- 1CS's Debt to FCF ratio of 1.41 is fine compared to the rest of the industry. 1CS outperforms 79.17% 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 (0.65) which 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
WACC10.89%
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 87.50% 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.
- 1CS has a better Quick ratio (0.82) than 87.50% of its industry peers.
| 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.
- 1CS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.40%.
- 1CS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
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 6.61% on average over the next years.
- 1CS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.21% yearly.
EPS Next Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.61%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.21%
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
- A Price/Earnings ratio of 10.43 indicates a reasonable valuation of 1CS.
- 1CS's Price/Earnings ratio is rather cheap when compared to the industry. 1CS is cheaper than 81.25% 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 27.38.
- 1CS is valuated reasonably with a Price/Forward Earnings ratio of 9.16.
- Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than 79.17% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, 1CS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.43 | ||
| Fwd PE | 9.16 |
4.2 Price Multiples
- 1CS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1CS is cheaper than 89.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.97 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- 1CS's 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)0.58
EPS Next 2Y9.09%
EPS Next 3Y8.52%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.32%, 1CS is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.19, 1CS pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.84, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.32% |
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 2Y9.09%
EPS Next 3Y8.52%
BIT:1CS (1/13/2026, 7:00:00 PM)
39.13
-0.64 (-1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-01 2025-08-01/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap83.10B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.25 (15.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.32% |
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)-0.69%
PT rev (3m)-1.07%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.45%
EPS NY rev (3m)-1.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.43 | ||
| Fwd PE | 9.16 | ||
| P/S | 0.93 | ||
| P/FCF | 3.97 | ||
| P/OCF | 3.88 | ||
| P/B | 1.83 | ||
| P/tB | 3.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.58%
EPS(NY)4.27
Fwd EY10.92%
FCF(TTM)9.85
FCFY25.18%
OCF(TTM)10.08
OCFY25.75%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.84
PEG (5Y)0.58
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
WACC10.89%
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 Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.61%
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 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.21%
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 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 10.43 and the Price/Book (PB) ratio is 1.83.
Is the dividend of AXA SA sustainable?
The dividend rating of AXA SA (1CS.MI) is 6 / 10 and the dividend payout ratio is 61.79%.