AXA SA (1CS.MI) Stock Fundamental Analysis
BIT:1CS - Euronext Milan - FR0000120628 - Common Stock - Currency: EUR
We assign a fundamental rating of 5 out of 10 to 1CS. 1CS was compared to 40 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 decent growth rate and is not valued too expensively. Finally 1CS also has an excellent dividend rating. With these ratings, 1CS could be worth investigating further for dividend investing!.
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.
In the past 5 years 1CS has always been profitable.
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 55.00% of its industry peers.
1CS's Return On Equity of 15.39% is fine compared to the rest of the industry. 1CS outperforms 65.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.33%, 1CS is in line with its industry, outperforming 57.50% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1CS is in line with the industry average of 2.04%.
The last Return On Invested Capital (1.33%) for 1CS is above the 3 year average (1.29%), which is a sign of increasing profitability.
| 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
Looking at the Profit Margin, with a value of 8.80%, 1CS is in line with its industry, outperforming 47.50% of the companies in the same industry.
1CS's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.32%, 1CS is in line with its industry, outperforming 52.50% 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 | 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
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.
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.
The Altman-Z score of 1CS (0.35) is better than 92.50% of its industry peers.
The Debt to FCF ratio of 1CS is 2.19, which is a good value as it means it would take 1CS, 2.19 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 2.19, 1CS is doing good in the industry, outperforming 70.00% of the companies in the same industry.
A Debt/Equity ratio of 0.53 indicates that 1CS is somewhat dependend on debt financing.
1CS's Debt to Equity ratio of 0.53 is fine compared to the rest of the industry. 1CS outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.13
WACC10.44%
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.
The Current ratio of 1CS (0.87) is better than 85.00% 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.
The Quick ratio of 1CS (0.87) is better than 85.00% of its industry peers.
| 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.
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.
1CS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.38%.
1CS shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
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
Based on estimates for the next years, 1CS will show a small growth in Earnings Per Share. The EPS will grow by 5.12% on average per year.
The Revenue is expected to grow by 7.15% on average over the next years.
EPS Next Y11.56%
EPS Next 2Y9.13%
EPS Next 3Y8.44%
EPS Next 5Y5.12%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.15%
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
A Price/Earnings ratio of 11.38 indicates a reasonable valuation of 1CS.
Based on the Price/Earnings ratio, 1CS is valued a bit cheaper than 70.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1CS to the average of the S&P500 Index (27.45), we can say 1CS is valued rather cheaply.
A Price/Forward Earnings ratio of 10.20 indicates a reasonable valuation of 1CS.
The rest of the industry has a similar Price/Forward Earnings ratio as 1CS.
1CS is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
62.50% 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 | 7.55 | ||
| 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.
1CS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.98
PEG (5Y)0.63
EPS Next 2Y9.13%
EPS Next 3Y8.44%
5. Dividend
5.1 Amount
1CS has a Yearly Dividend Yield of 5.17%, which is a nice return.
1CS's Dividend Yield is a higher than the industry average which is at 4.58.
1CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.17% |
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 (7/2/2025, 7:00:00 PM)
40.86
-0.82 (-1.97%)
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 Cap90.51B
Analysts81.48
Price Target44.23 (8.25%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.17% |
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)1.43%
PT rev (3m)4.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.36%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 10.2 | ||
| P/S | 1.04 | ||
| P/FCF | 7.55 | ||
| P/OCF | 7.26 | ||
| P/B | 1.81 | ||
| P/tB | 3.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.59
EY8.79%
EPS(NY)4.01
Fwd EY9.8%
FCF(TTM)5.41
FCFY13.25%
OCF(TTM)5.63
OCFY13.77%
SpS39.43
BVpS22.55
TBVpS12.36
PEG (NY)0.98
PEG (5Y)0.63
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
WACC10.44%
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 5Y5.12%
Revenue 1Y (TTM)4.38%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%-6.94%
Revenue Next Year6.29%
Revenue Next 2Y5.45%
Revenue Next 3Y2.6%
Revenue Next 5Y7.15%
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%