AXA SA (1CS.MI) Stock Fundamental Analysis

BIT:1CS • FR0000120628

39.96 EUR
+1.26 (+3.26%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to 1CS. 1CS was compared to 46 industry peers in the Insurance industry. 1CS has an average financial health and profitability rating. 1CS has a correct valuation and a medium growth rate.


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.
  • 1CS had positive earnings in each of the past 5 years.
  • 1CS had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of 1CS (1.18%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 16.72%, 1CS is in the better half of the industry, outperforming 63.04% of the companies in the same industry.
  • 1CS has a Return On Invested Capital of 1.28%. This is comparable to the rest of the industry: 1CS outperforms 56.52% 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 2.84%.
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

  • 1CS has a Profit Margin of 8.52%. This is comparable to the rest of the industry: 1CS outperforms 47.83% of its industry peers.
  • In the last couple of years the Profit Margin of 1CS has grown nicely.
  • 1CS's Operating Margin of 11.47% is in line compared to the rest of the industry. 1CS outperforms 52.17% of its industry peers.
  • 1CS's Operating Margin has improved in the last couple of years.
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

  • 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.
  • Compared to 1 year ago, 1CS has a worse debt to assets ratio.
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

  • Based on the Altman-Z score of 0.34, we must say that 1CS is in the distress zone and has some risk of bankruptcy.
  • 1CS has a Altman-Z score of 0.34. This is amongst the best in the industry. 1CS outperforms 86.96% 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 73.91% of the companies in the same industry.
  • A Debt/Equity ratio of 0.65 indicates that 1CS is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.65, 1CS perfoms like the industry average, outperforming 47.83% 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 0.34
ROIC/WACC0.12
WACC10.91%
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

  • 1CS has a Current 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 Current ratio of 0.82. This is amongst the best in the industry. 1CS outperforms 86.96% of its industry peers.
  • A Quick Ratio of 0.82 indicates that 1CS may have some problems paying its short term obligations.
  • 1CS's Quick ratio of 0.82 is amongst the best of the industry. 1CS outperforms 86.96% 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.
  • 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 4.40%.
  • 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

  • Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 6.91% on average per year.
  • 1CS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.17% yearly.
EPS Next Y12.2%
EPS Next 2Y9.08%
EPS Next 3Y8.44%
EPS Next 5Y6.91%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.17%

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.
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 2031 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.66, the valuation of 1CS can be described as very reasonable.
  • 1CS's Price/Earnings ratio is rather cheap when compared to the industry. 1CS is cheaper than 82.61% of the companies in the same industry.
  • 1CS is valuated cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.36, the valuation of 1CS can be described as very reasonable.
  • 78.26% of the companies in the same industry are more expensive than 1CS, based on the Price/Forward Earnings ratio.
  • 1CS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 10.66
Fwd PE 9.36
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 cheaply inside the industry as 89.13% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.99
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)0.87
PEG (5Y)0.59
EPS Next 2Y9.08%
EPS Next 3Y8.44%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 5.67%, 1CS is a good candidate for dividend investing.
  • 1CS's Dividend Yield is a higher than the industry average which is at 4.18.
  • 1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 5.67%

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.
  • The dividend of 1CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.08%
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 (2/24/2026, 7:00:00 PM)

39.96

+1.26 (+3.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)N/A
Earnings (Next)02-26
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap83.54B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.76
Price Target45.77 (14.54%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.67%
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)1.14%
PT rev (3m)0.92%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
Industry RankSector Rank
PE 10.66
Fwd PE 9.36
P/S 0.94
P/FCF 3.99
P/OCF 3.9
P/B 1.84
P/tB 3.47
EV/EBITDA N/A
EPS(TTM)3.75
EY9.38%
EPS(NY)4.27
Fwd EY10.69%
FCF(TTM)10.01
FCFY25.05%
OCF(TTM)10.24
OCFY25.61%
SpS42.7
BVpS21.76
TBVpS11.53
PEG (NY)0.87
PEG (5Y)0.59
Graham Number42.85
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 0.34
F-Score7
WACC10.91%
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 5Y6.91%
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 5Y8.17%
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 10.66 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 6 / 10 and the dividend payout ratio is 61.79%.