AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:AMUN - FR0004125920 - Common Stock
67.675 EUR
+0.42 (+0.63%)
Taking everything into account, AMUN scores 5 out of 10 in our fundamental rating. AMUN was compared to 120 industry peers in the Capital Markets industry. While AMUN has a great profitability rating, there are some minor concerns on its financial health. AMUN has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
AMUN had positive earnings in the past year.
In the past year AMUN had a positive cash flow from operations.
AMUN had positive earnings in each of the past 5 years.
Of the past 5 years AMUN 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of AMUN (6.08%) is better than 75.00% of its industry peers.
The Return On Equity of AMUN (19.85%) is better than 79.17% of its industry peers.
AMUN's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. AMUN outperforms 70.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for AMUN is significantly below the industry average of 9.33%.
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
AMUN's Profit Margin of 28.33% is fine compared to the rest of the industry. AMUN outperforms 77.50% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
AMUN has a better Operating Margin (29.17%) than 70.83% of its industry peers.
In the last couple of years the Operating Margin of AMUN has remained more or less at the same level.
AMUN's Gross Margin of 41.94% is fine compared to the rest of the industry. AMUN outperforms 62.50% 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.
The number of shares outstanding for AMUN has been increased compared to 5 years ago.
AMUN has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.02, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
AMUN has a Altman-Z score (1.02) which is comparable to the rest of the 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.
Looking at the Debt to FCF ratio, with a value of 1.25, AMUN belongs to the top of the industry, outperforming 90.83% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.19, AMUN is doing good in the industry, outperforming 70.83% of the companies in the same industry.
| 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.
Looking at the Current ratio, with a value of 0.83, AMUN is in line with its industry, outperforming 50.83% of the companies in the same industry.
A Quick Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
AMUN has a Quick ratio (0.83) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
AMUN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.48%.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.42%.
Measured over the past years, AMUN shows a small growth in Revenue. The Revenue has been growing by 6.39% on average per year.
EPS 1Y (TTM)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
3.2 Future
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.82% yearly.
Based on estimates for the next years, AMUN will show a small growth in Revenue. The Revenue will grow by 3.17% on average per year.
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.25, the valuation of AMUN can be described as reasonable.
Based on the Price/Earnings ratio, AMUN is valued cheaply inside the industry as 82.50% of the companies are valued more expensively.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.42, which indicates a very decent valuation of AMUN.
90.83% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.25 | ||
| Fwd PE | 9.42 |
4.2 Price Multiples
86.67% of the companies in the same industry are more expensive than AMUN, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaper than 89.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.63 | ||
| 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)1.29
EPS Next 2Y3.18%
EPS Next 3Y3.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.46%, AMUN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.42, AMUN pays a better dividend. On top of this AMUN pays more dividend than 92.50% of the companies listed in the same industry.
AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPA:AMUN (11/25/2025, 3:21:01 PM)
67.675
+0.42 (+0.63%)
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 Cap13.90B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts80
Price Target73.16 (8.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.46% |
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)-6.14%
PT rev (3m)-6.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.25 | ||
| Fwd PE | 9.42 | ||
| P/S | 1.65 | ||
| P/FCF | 7.63 | ||
| P/OCF | 7.3 | ||
| P/B | 1.16 | ||
| P/tB | 2.76 | ||
| EV/EBITDA | 4.91 |
EPS(TTM)6.6
EY9.75%
EPS(NY)7.19
Fwd EY10.62%
FCF(TTM)8.87
FCFY13.1%
OCF(TTM)9.27
OCFY13.7%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.29
Graham Number93.11
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%
ROICexgc growth 3Y-11.56%
ROICexgc 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)2.48%
EPS 3Y1.21%
EPS 5Y7.93%
EPS Q2Q%0%
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y4.46%
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%
AMUNDI SA / AMUN.PA FAQ
What is the ChartMill fundamental rating of AMUNDI SA (AMUN.PA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to AMUN.PA.
Can you provide the valuation status for AMUNDI SA?
ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (AMUN.PA). This can be considered as Undervalued.
What is the profitability of AMUN stock?
AMUNDI SA (AMUN.PA) has a profitability rating of 7 / 10.
How financially healthy is AMUNDI SA?
The financial health rating of AMUNDI SA (AMUN.PA) is 4 / 10.
What is the expected EPS growth for AMUNDI SA (AMUN.PA) stock?
The Earnings per Share (EPS) of AMUNDI SA (AMUN.PA) is expected to decline by -3.37% in the next year.