AXA SA (1CS.MI) Stock Fundamental Analysis
Europe - BIT:1CS - FR0000120628 - Common Stock
39.67 EUR
-0.69 (-1.71%)
Overall 1CS gets a fundamental rating of 5 out of 10. We evaluated 1CS against 43 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year 1CS was profitable.
1CS had a positive operating cash flow in the past year.
In the past 5 years 1CS has always been profitable.
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 51.16% of its industry peers.
The Return On Equity of 1CS (16.72%) is better than 65.12% 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 53.49% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1CS is in line with the industry average of 2.26%.
| 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 of 8.52%. This is comparable to the rest of the industry: 1CS outperforms 44.19% of its industry peers.
In the last couple of years the Profit Margin of 1CS has grown nicely.
Looking at the Operating Margin, with a value of 11.47%, 1CS is in line with its industry, outperforming 44.19% 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.
Compared to 1 year ago, 1CS has less shares outstanding
1CS has less shares outstanding than it did 5 years ago.
1CS has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.35, we must say that 1CS is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.35, 1CS belongs to the top of the industry, outperforming 93.02% of the companies in the same industry.
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 76.74% 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 48.84% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.57%
2.3 Liquidity
A Current Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
1CS's Current ratio of 0.82 is amongst the best of the industry. 1CS outperforms 86.05% 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.
1CS has a better Quick ratio (0.82) than 86.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.70% 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 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
1CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.80% yearly.
The Revenue is expected to grow by 8.27% on average over the next years. This is quite good.
EPS Next Y14.58%
EPS Next 2Y9.06%
EPS Next 3Y8.11%
EPS Next 5Y6.8%
Revenue Next Year8.83%
Revenue Next 2Y6.98%
Revenue Next 3Y7.01%
Revenue Next 5Y8.27%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
The Price/Earnings ratio is 10.58, which indicates a very decent valuation of 1CS.
74.42% of the companies in the same industry are more expensive than 1CS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.20. 1CS is valued rather cheaply when compared to this.
1CS is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
1CS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1CS is cheaper than 72.09% of the companies in the same industry.
1CS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 9.29 |
4.2 Price Multiples
83.72% of the companies in the same industry are more expensive than 1CS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.11 | ||
| 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)0.73
PEG (5Y)0.58
EPS Next 2Y9.06%
EPS Next 3Y8.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.34%, 1CS is a good candidate for dividend investing.
1CS's Dividend Yield is a higher than the industry average which is at 4.56.
1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
5.2 History
On average, the dividend of 1CS grows each year by 8.12%, which is quite nice.
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 2Y9.06%
EPS Next 3Y8.11%
BIT:1CS (9/17/2025, 7:00:00 PM)
39.67
-0.69 (-1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners33.99%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap86.01B
Analysts81.48
Price Target45.37 (14.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
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)-0.04%
PT rev (3m)2.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.7%
EPS NY rev (3m)2.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.48%
Revenue NY rev (3m)2.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.58 | ||
| Fwd PE | 9.29 | ||
| P/S | 0.96 | ||
| P/FCF | 4.11 | ||
| P/OCF | 4.02 | ||
| P/B | 1.89 | ||
| P/tB | 3.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.45%
EPS(NY)4.27
Fwd EY10.76%
FCF(TTM)9.65
FCFY24.33%
OCF(TTM)9.87
OCFY24.88%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.73
PEG (5Y)0.58
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%
ROICexcg growth 3Y10.47%
ROICexcg 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
WACC10.57%
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 Y14.58%
EPS Next 2Y9.06%
EPS Next 3Y8.11%
EPS Next 5Y6.8%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year8.83%
Revenue Next 2Y6.98%
Revenue Next 3Y7.01%
Revenue Next 5Y8.27%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.76%
EBIT Next 3Y11.02%
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%