AXA SA (1CS.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1CS • FR0000120628

39.52 EUR
+0.58 (+1.49%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 43 industry peers in the Insurance industry. 1CS has an average financial health and profitability rating. 1CS is not valued too expensively and it also shows a decent growth rate. Finally 1CS also has an excellent dividend rating. This makes 1CS very considerable for dividend investing!


Dividend Valuation Growth Profitability Health

5

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.
  • Each year in the past 5 years 1CS has been profitable.
  • 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 5B 10B 15B 20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.18%, 1CS is in line with its industry, outperforming 41.86% of the companies in the same industry.
  • The Return On Equity of 1CS (16.72%) is better than 60.47% 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 55.81% of its industry peers.
  • 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 2.92%.
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

  • With a Profit Margin value of 8.52%, 1CS perfoms like the industry average, outperforming 44.19% of the companies in the same industry.
  • 1CS's Profit Margin has improved in the last couple of years.
  • 1CS has a Operating Margin (11.47%) which is comparable to the rest of the 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. 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
  • Compared to 5 years ago, 1CS has less shares outstanding
  • 1CS has a worse debt/assets ratio than last year.
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 0.35. This is a bad value and indicates that 1CS is not financially healthy and even has some risk of bankruptcy.
  • 1CS's Altman-Z score of 0.35 is amongst the best of the industry. 1CS outperforms 86.05% 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.
  • 1CS has a better Debt to FCF ratio (1.41) than 72.09% 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 46.51% of the companies in the same industry.
  • Although 1CS does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 0.65
Debt/FCF 1.41
Altman-Z 0.35
ROIC/WACC0.12
WACC10.87%
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

  • 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 83.72% of the companies in the same industry.
  • 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 better Quick ratio (0.82) than 83.72% of its industry peers.
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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.70% 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 18.09% on average per year.
  • Looking at the last year, 1CS shows a small growth in Revenue. The Revenue has grown by 4.40% in the last year.
  • 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

  • Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 6.61% on average per year.
  • 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 Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
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.
  • 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 20B 40B 60B 80B 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 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.54, the valuation of 1CS can be described as reasonable.
  • 76.74% of the companies in the same industry are more expensive than 1CS, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, 1CS is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.25 indicates a reasonable valuation of 1CS.
  • 76.74% of the companies in the same industry are more expensive than 1CS, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, 1CS is valued rather cheaply.
Industry RankSector Rank
PE 10.54
Fwd PE 9.25
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 cheaper than 86.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.01
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)0.86
PEG (5Y)0.58
EPS Next 2Y9.08%
EPS Next 3Y8.44%

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

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.62%, 1CS is a good candidate for dividend investing.
  • 1CS's Dividend Yield is rather good when compared to the industry average which is at 4.23. 1CS pays more dividend than 81.40% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, 1CS pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.62%

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.
  • 1CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
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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AXA SA

BIT:1CS (2/9/2026, 7:00:00 PM)

39.52

+0.58 (+1.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-01
Earnings (Next)02-26
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap83.93B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.6 (15.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.62%
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)0.08%
PT rev (3m)-0.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.21%
EPS NY rev (3m)-2.06%
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 RankSector Rank
PE 10.54
Fwd PE 9.25
P/S 0.94
P/FCF 4.01
P/OCF 3.92
P/B 1.84
P/tB 3.48
EV/EBITDA N/A
EPS(TTM)3.75
EY9.49%
EPS(NY)4.27
Fwd EY10.81%
FCF(TTM)9.85
FCFY24.93%
OCF(TTM)10.08
OCFY25.5%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.86
PEG (5Y)0.58
Graham Number42.51
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 0.35
F-Score7
WACC10.87%
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 5Y6.61%
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 10.54 and the Price/Book (PB) ratio is 1.84.


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%.