AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - EPA:AMUN - FR0004125920 - Common Stock
66.65 EUR
+0.25 (+0.38%)
We assign a fundamental rating of 5 out of 10 to AMUN. AMUN was compared to 112 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
In the past year AMUN was profitable.
In the past year AMUN had a positive cash flow from operations.
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
With a decent Return On Assets value of 6.08%, AMUN is doing good in the industry, outperforming 78.57% of the companies in the same industry.
AMUN has a Return On Equity of 19.85%. This is amongst the best in the industry. AMUN outperforms 80.36% 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 73.21% of the companies in the same industry.
AMUN had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 8.50%.
The 3 year average ROIC (3.64%) for AMUN is below the current ROIC(5.43%), indicating increased profibility in the last year.
| 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 has a Profit Margin of 28.33%. This is in the better half of the industry: AMUN outperforms 77.68% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
AMUN's Operating Margin of 29.17% is fine compared to the rest of the industry. AMUN outperforms 72.32% of its industry peers.
AMUN's Operating Margin has been stable in the last couple of years.
AMUN has a Gross Margin of 41.94%. This is in the better half of the industry: AMUN outperforms 63.39% of its industry peers.
In the last couple of years the Gross Margin of AMUN has remained more or less at the same level.
| 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
AMUN has about the same amout of shares outstanding than it did 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 1.01, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
AMUN's Altman-Z score of 1.01 is in line compared to the rest of the industry. AMUN outperforms 56.25% of its industry peers.
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.
The Debt to FCF ratio of AMUN (1.25) is better than 89.29% of its industry peers.
AMUN has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.19, AMUN is in the better half of the industry, outperforming 69.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.01 |
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 (0.83) which is in line with its industry peers.
A Quick Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
The Quick ratio of AMUN (0.83) 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
The Earnings Per Share has been growing slightly by 6.28% over the past year.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
Looking at the last year, AMUN shows a small growth in Revenue. The Revenue has grown by 7.39% in the last year.
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)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
The Earnings Per Share is expected to grow by 1.60% on average over the next years.
AMUN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.85% yearly.
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
The Price/Earnings ratio is 10.10, which indicates a very decent valuation of AMUN.
Based on the Price/Earnings ratio, AMUN is valued cheaply inside the industry as 83.93% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AMUN to the average of the S&P500 Index (25.83), we can say AMUN is valued rather cheaply.
A Price/Forward Earnings ratio of 9.28 indicates a reasonable valuation of AMUN.
Based on the Price/Forward Earnings ratio, AMUN is valued cheaper than 92.86% of the companies in the same industry.
AMUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 9.28 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.52 | ||
| EV/EBITDA | 4.85 |
4.3 Compensation for Growth
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.27
EPS Next 2Y3.16%
EPS Next 3Y4.15%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 6.59%, which is a nice return.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.73. AMUN pays more dividend than 91.96% of the companies in the same industry.
AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
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 (11/7/2025, 7:00:00 PM)
66.65
+0.25 (+0.38%)
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 Cap13.69B
Revenue(TTM)8.40B
Net Income(TTM)2.38B
Analysts80
Price Target77.84 (16.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
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)-0.13%
PT rev (3m)-2.84%
EPS NQ rev (1m)-0.83%
EPS NQ rev (3m)-5.57%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.71%
Revenue NQ rev (1m)1.28%
Revenue NQ rev (3m)-3.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 9.28 | ||
| P/S | 1.63 | ||
| P/FCF | 7.52 | ||
| P/OCF | 7.19 | ||
| P/B | 1.14 | ||
| P/tB | 2.71 | ||
| EV/EBITDA | 4.85 |
EPS(TTM)6.6
EY9.9%
EPS(NY)7.18
Fwd EY10.78%
FCF(TTM)8.87
FCFY13.3%
OCF(TTM)9.27
OCFY13.91%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.27
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 | 1.01 |
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%
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 -3.08% in the next year.