AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - Euronext Milan - FR0000120628 - Common Stock - Currency: EUR
Taking everything into account, 1CS scores 5 out of 10 in our fundamental rating. 1CS was compared to 33 industry peers in the Insurance industry. 1CS has only an average score on both its financial health and profitability. 1CS has a correct valuation and a medium growth rate. Finally 1CS also has an excellent dividend rating. These ratings would make 1CS suitable for dividend investing!
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.
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
Looking at the Return On Assets, with a value of 1.18%, 1CS is in the better half of the industry, outperforming 64.71% of the companies in the same industry.
The Return On Equity of 1CS (15.39%) is better than 64.71% of its industry peers.
1CS has a better Return On Invested Capital (1.33%) than 64.71% 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 2.22%.
The 3 year average ROIC (1.29%) for 1CS is below the current ROIC(1.33%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROIC | 1.33% |
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 (8.80%) which is comparable to the rest of the industry.
1CS's Profit Margin has improved in the last couple of years.
1CS has a Operating Margin of 12.32%. This is comparable to the rest of the industry: 1CS outperforms 55.88% of its industry peers.
1CS's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| 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.
1CS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1CS has less shares outstanding
The debt/assets ratio for 1CS is higher compared to a year ago.
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.
1CS's Altman-Z score of 0.35 is amongst the best of the industry. 1CS outperforms 85.29% of its industry peers.
1CS has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as 1CS would need 2.19 years to pay back of all of its debts.
1CS has a better Debt to FCF ratio (2.19) than 73.53% of its industry peers.
1CS has a Debt/Equity ratio of 0.53. This is a neutral value indicating 1CS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.53, 1CS is in the better half of the industry, outperforming 67.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.13
WACC10.63%
2.3 Liquidity
1CS has a Current Ratio of 0.87. 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 Current ratio (0.87) than 85.29% of its industry peers.
1CS has a Quick Ratio of 0.87. This is a bad value and indicates that 1CS is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 0.87, 1CS belongs to the best of the industry, outperforming 85.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 12.08% over the past year.
The Earnings Per Share has been growing by 18.09% on average over the past years. This is quite good.
1CS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.38%.
Measured over the past years, 1CS shows a decrease in Revenue. The Revenue has been decreasing by -8.16% on average per year.
EPS 1Y (TTM)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
3.2 Future
1CS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.32% yearly.
The Revenue is expected to grow by 7.73% on average over the next years.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y6.32%
Revenue Next Year6%
Revenue Next 2Y5.31%
Revenue Next 3Y2.48%
Revenue Next 5Y7.73%
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
The Price/Earnings ratio is 11.26, which indicates a very decent valuation of 1CS.
70.59% of the companies in the same industry are more expensive than 1CS, based on the Price/Earnings ratio.
1CS is valuated cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.
1CS is valuated reasonably with a Price/Forward Earnings ratio of 10.10.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CS indicates a somewhat cheap valuation: 1CS is cheaper than 64.71% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.32. 1CS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 10.1 |
4.2 Price Multiples
1CS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1CS is cheaper than 67.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.47 | ||
| 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.
1CS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.97
PEG (5Y)0.62
EPS Next 2Y9.13%
EPS Next 3Y8.44%
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 2.46.
| 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
57.97% of the earnings are spent on dividend by 1CS. This is a bit on the high side, but may be sustainable.
1CS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP57.97%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
BIT:1CS (4/23/2025, 7:00:00 PM)
40.44
+0.39 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners36.79%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap89.58B
Analysts80
Price Target43.43 (7.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.34% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP57.97%
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)5.28%
PT rev (3m)7.5%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-1.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)6.31%
Revenue NY rev (3m)11.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 10.1 | ||
| P/S | 1.03 | ||
| P/FCF | 7.47 | ||
| P/OCF | 7.19 | ||
| P/B | 1.79 | ||
| P/tB | 3.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.88%
EPS(NY)4.01
Fwd EY9.9%
FCF(TTM)5.41
FCFY13.39%
OCF(TTM)5.63
OCFY13.92%
SpS39.43
BVpS22.55
TBVpS12.36
PEG (NY)0.97
PEG (5Y)0.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 15.39% | ||
| ROCE | 1.67% | ||
| ROIC | 1.33% | ||
| ROICexc | 1.37% | ||
| ROICexgc | 1.79% | ||
| OM | 12.32% | ||
| PM (TTM) | 8.8% | ||
| GM | N/A | ||
| FCFM | 13.73% |
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 Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.54% | ||
| Interest Coverage | 1.72 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 156.03% | ||
| Current Ratio | 0.87 | ||
| Quick Ratio | 0.87 | ||
| Altman-Z | 0.35 |
F-Score7
WACC10.63%
ROIC/WACC0.13
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)12.08%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%18.49%
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y6.32%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
Revenue Next Year6%
Revenue Next 2Y5.31%
Revenue Next 3Y2.48%
Revenue Next 5Y7.73%
EBIT growth 1Y18.59%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.76%
EBIT Next 3Y11.02%
EBIT Next 5YN/A
FCF growth 1Y240.94%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y216.74%
OCF growth 3Y7.85%
OCF growth 5Y9.48%