AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - EPA:AMUN - FR0004125920 - Common Stock
66.925 EUR
-0.23 (-0.34%)
Overall AMUN gets a fundamental rating of 5 out of 10. We evaluated AMUN against 115 industry peers in the Capital Markets industry. While AMUN has a great profitability rating, there are some minor concerns on its financial health. AMUN is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
AMUN had positive earnings in the past year.
AMUN had a positive operating cash flow in the past year.
AMUN had positive earnings in each of the past 5 years.
AMUN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of AMUN (6.08%) is better than 77.39% of its industry peers.
AMUN has a better Return On Equity (19.85%) than 79.13% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.43%, AMUN is in the better half of the industry, outperforming 71.30% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for AMUN is below the industry average of 8.60%.
The last Return On Invested Capital (5.43%) for AMUN is above the 3 year average (3.64%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROIC | 5.43% |
ROA(3y)3.57%
ROA(5y)3.72%
ROE(3y)10.62%
ROE(5y)10.81%
ROIC(3y)3.64%
ROIC(5y)3.82%
1.3 Margins
The Profit Margin of AMUN (28.33%) is better than 77.39% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
The Operating Margin of AMUN (29.17%) is better than 69.57% of its industry peers.
AMUN's Operating Margin has been stable in the last couple of years.
AMUN's Gross Margin of 41.94% is fine compared to the rest of the industry. AMUN outperforms 62.61% of its industry peers.
AMUN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.17% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% |
OM growth 3Y-1.97%
OM growth 5Y-0.45%
PM growth 3Y-2.5%
PM growth 5Y1.73%
GM growth 3Y0.05%
GM growth 5Y-0.38%
2. Health
2.1 Basic Checks
The number of shares outstanding for AMUN remains at a similar level compared to 1 year ago.
AMUN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, AMUN has an improved debt to assets ratio.
2.2 Solvency
AMUN has an Altman-Z score of 1.02. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.02, AMUN is in line with its industry, outperforming 54.78% of the companies in the same industry.
AMUN has a debt to FCF ratio of 1.25. This is a very positive value and a sign of high solvency as it would only need 1.25 years to pay back of all of its debts.
AMUN has a better Debt to FCF ratio (1.25) than 87.83% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
The Debt to Equity ratio of AMUN (0.19) is better than 69.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.02 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
AMUN has a Current Ratio of 0.83. This is a bad value and indicates that AMUN is not financially healthy enough and could expect problems in meeting its short term obligations.
AMUN has a Current ratio of 0.83. This is comparable to the rest of the industry: AMUN outperforms 52.17% of its industry peers.
A Quick Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
With a Quick ratio value of 0.83, AMUN perfoms like the industry average, outperforming 53.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.28% over the past year.
AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.39%.
AMUN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.39% yearly.
EPS 1Y (TTM)6.28%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.68%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
3.2 Future
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.60% yearly.
The Revenue is expected to grow by 2.85% on average over the next years.
EPS Next Y-3.08%
EPS Next 2Y3.16%
EPS Next 3Y4.15%
EPS Next 5Y1.6%
Revenue Next Year-4.23%
Revenue Next 2Y-1.39%
Revenue Next 3Y0.62%
Revenue Next 5Y2.85%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
AMUN is valuated reasonably with a Price/Earnings ratio of 10.14.
Based on the Price/Earnings ratio, AMUN is valued cheaper than 85.22% of the companies in the same industry.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.32 indicates a reasonable valuation of AMUN.
91.30% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.04. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 9.32 |
4.2 Price Multiples
AMUN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. AMUN is cheaper than 86.96% of the companies in the same industry.
AMUN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AMUN is cheaper than 88.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.55 | ||
| EV/EBITDA | 4.91 |
4.3 Compensation for Growth
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y3.16%
EPS Next 3Y4.15%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 6.20%, which is a nice return.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.63. AMUN pays more dividend than 89.57% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.16%
EPS Next 3Y4.15%
EPA:AMUN (10/16/2025, 2:55:13 PM)
66.925
-0.23 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.56%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.75B
Analysts80
Price Target77.94 (16.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.4%
Min EPS beat(2)-8.89%
Max EPS beat(2)-7.91%
EPS beat(4)1
Avg EPS beat(4)-3.17%
Min EPS beat(4)-8.89%
Max EPS beat(4)4.99%
EPS beat(8)2
Avg EPS beat(8)-2.61%
EPS beat(12)6
Avg EPS beat(12)1.23%
EPS beat(16)9
Avg EPS beat(16)3.26%
Revenue beat(2)1
Avg Revenue beat(2)-3.18%
Min Revenue beat(2)-8.64%
Max Revenue beat(2)2.29%
Revenue beat(4)2
Avg Revenue beat(4)-1.7%
Min Revenue beat(4)-8.64%
Max Revenue beat(4)2.29%
Revenue beat(8)3
Avg Revenue beat(8)-1.65%
Revenue beat(12)7
Avg Revenue beat(12)22.37%
Revenue beat(16)11
Avg Revenue beat(16)51.34%
PT rev (1m)0%
PT rev (3m)-0.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.52%
EPS NY rev (1m)-0.46%
EPS NY rev (3m)-3.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.24%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-3.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.14 | ||
| Fwd PE | 9.32 | ||
| P/S | 1.64 | ||
| P/FCF | 7.55 | ||
| P/OCF | 7.22 | ||
| P/B | 1.15 | ||
| P/tB | 2.72 | ||
| EV/EBITDA | 4.91 |
EPS(TTM)6.6
EY9.86%
EPS(NY)7.18
Fwd EY10.73%
FCF(TTM)8.87
FCFY13.25%
OCF(TTM)9.27
OCFY13.85%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROCE | 7.29% | ||
| ROIC | 5.43% | ||
| ROICexc | 5.74% | ||
| ROICexgc | 7.24% | ||
| OM | 29.17% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% | ||
| FCFM | 21.67% |
ROA(3y)3.57%
ROA(5y)3.72%
ROE(3y)10.62%
ROE(5y)10.81%
ROIC(3y)3.64%
ROIC(5y)3.82%
ROICexc(3y)3.73%
ROICexc(5y)3.91%
ROICexgc(3y)4.9%
ROICexgc(5y)5.23%
ROCE(3y)4.9%
ROCE(5y)5.22%
ROICexcg growth 3Y-11.56%
ROICexcg growth 5Y-4.06%
ROICexc growth 3Y-8.15%
ROICexc growth 5Y-2.32%
OM growth 3Y-1.97%
OM growth 5Y-0.45%
PM growth 3Y-2.5%
PM growth 5Y1.73%
GM growth 3Y0.05%
GM growth 5Y-0.38%
F-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Debt/EBITDA | 0.89 | ||
| Cap/Depr | 78.31% | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.45% | ||
| Profit Quality | 76.48% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 1.02 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)63.21%
Cap/Depr(5y)64.22%
Cap/Sales(3y)1.21%
Cap/Sales(5y)1.14%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.28%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%-4.68%
EPS Next Y-3.08%
EPS Next 2Y3.16%
EPS Next 3Y4.15%
EPS Next 5Y1.6%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-4.23%
Revenue Next 2Y-1.39%
Revenue Next 3Y0.62%
Revenue Next 5Y2.85%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y4.28%
FCF growth 1Y48.28%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y47.74%
OCF growth 3Y-6.65%
OCF growth 5Y10.12%