AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1CS - FR0000120628 - Common Stock
38.69 EUR
+0.44 (+1.15%)
1CS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 48 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 correct valuation and a medium growth rate.
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's Return On Assets of 1.18% is in line compared to the rest of the industry. 1CS outperforms 45.83% of 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 62.50% of the companies in the same industry.
With a Return On Invested Capital value of 1.28%, 1CS perfoms like the industry average, outperforming 54.17% of the companies in the same industry.
1CS had an Average Return On Invested Capital over the past 3 years of 1.29%. This is in line with the industry average of 2.58%.
| 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.
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 43.75% of the companies in the same industry.
In the last couple of years the Operating Margin of 1CS has grown nicely.
| 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.
The number of shares outstanding for 1CS has been reduced compared to 1 year ago.
The number of shares outstanding for 1CS has been reduced compared to 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.
1CS has a Altman-Z score of 0.35. This is amongst the best in the industry. 1CS outperforms 89.58% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 1.41, 1CS is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
1CS has a Debt/Equity ratio of 0.65. This is a neutral value indicating 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
WACC10.82%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
1CS has a better Current ratio (0.82) than 83.33% 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.
The Quick ratio of 1CS (0.82) is better than 83.33% 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.
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 6.92% 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 Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.92%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
Revenue Next 5Y8.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.32, the valuation of 1CS can be described as reasonable.
Based on the Price/Earnings ratio, 1CS is valued a bit cheaper than 77.08% of the companies in the same industry.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 26.37, which is the current average of the S&P500 Index.
1CS is valuated reasonably with a Price/Forward Earnings ratio of 9.05.
Based on the Price/Forward Earnings ratio, 1CS is valued a bit cheaper than 77.08% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.20, 1CS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.32 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, 1CS is valued cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.93 | ||
| 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)0.85
PEG (5Y)0.57
EPS Next 2Y9.15%
EPS Next 3Y8.43%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.52%, 1CS is a good candidate for dividend investing.
1CS's Dividend Yield is a higher than the industry average which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.32, 1CS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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
1CS pays out 61.79% of its income as dividend. This is not a sustainable payout ratio.
1CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
BIT:1CS (12/1/2025, 7:00:00 PM)
38.69
+0.44 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.83%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap82.16B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.38 (17.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.52% |
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)-0.78%
PT rev (3m)0.12%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.07%
EPS NY rev (3m)-2.09%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.32 | ||
| Fwd PE | 9.05 | ||
| P/S | 0.92 | ||
| P/FCF | 3.93 | ||
| P/OCF | 3.84 | ||
| P/B | 1.81 | ||
| P/tB | 3.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.69%
EPS(NY)4.28
Fwd EY11.05%
FCF(TTM)9.85
FCFY25.47%
OCF(TTM)10.08
OCFY26.04%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.85
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
WACC10.82%
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 Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
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 Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
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 6 / 10 to AXA SA (1CS.MI). This can be considered as Fairly Valued.
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%.