AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
EPA:AMUN - Euronext Paris - Matif - FR0004125920 - Common Stock - Currency: EUR
AMUN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 105 industry peers in the Capital Markets industry. AMUN has a medium profitability rating, but doesn't score so well on its financial health evaluation. AMUN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year AMUN was profitable.
AMUN had positive earnings in each of the past 5 years.
In multiple years AMUN reported negative operating cash flow during the last 5 years.
1.2 Ratios
AMUN's Return On Assets of 6.79% is fine compared to the rest of the industry. AMUN outperforms 76.47% of its industry peers.
AMUN has a Return On Equity of 22.74%. This is amongst the best in the industry. AMUN outperforms 82.35% of its industry peers.
AMUN has a better Return On Invested Capital (6.88%) than 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.79% | ||
| ROE | 22.74% | ||
| ROIC | 6.88% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AMUN's Profit Margin of 31.44% is fine compared to the rest of the industry. AMUN outperforms 69.12% of its industry peers.
AMUN's Profit Margin has improved in the last couple of years.
AMUN has a Operating Margin of 37.71%. This is in the better half of the industry: AMUN outperforms 69.12% of its industry peers.
AMUN's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 37.71% | ||
| PM (TTM) | 31.44% | ||
| GM | N/A |
OM growth 3Y18.49%
OM growth 5Y11.54%
PM growth 3Y17.35%
PM growth 5Y13.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
There is no outstanding debt for AMUN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
Based on the Altman-Z score of 1.06, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.06, AMUN is doing worse than 61.76% of the companies in the same industry.
A Debt/Equity ratio of 1.76 is on the high side and indicates that AMUN has dependencies on debt financing.
With a Debt to Equity ratio value of 1.76, AMUN is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.69 indicates that AMUN may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.69, AMUN is doing worse than 69.12% of the companies in the same industry.
A Quick Ratio of 0.69 indicates that AMUN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.69, AMUN is doing worse than 69.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
AMUN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.69%, which is quite good.
Measured over the past 5 years, AMUN shows a small growth in Earnings Per Share. The EPS has been growing by 6.04% on average per year.
The Revenue has been growing slightly by 7.25% in the past year.
Measured over the past years, AMUN shows a decrease in Revenue. The Revenue has been decreasing by -6.46% on average per year.
EPS 1Y (TTM)12.69%
EPS 3Y1.21%
EPS 5Y6.04%
EPS Q2Q%20.26%
Revenue 1Y (TTM)7.25%
Revenue growth 3Y-16.14%
Revenue growth 5Y-6.46%
Sales Q2Q%14.64%
3.2 Future
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.53% yearly.
The Revenue is expected to grow by 2.52% on average over the next years.
EPS Next Y4.62%
EPS Next 2Y6.11%
EPS Next 3Y5.53%
EPS Next 5YN/A
Revenue Next Year2.3%
Revenue Next 2Y3.23%
Revenue Next 3Y5.89%
Revenue Next 5Y2.52%
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 stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.10, the valuation of AMUN can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AMUN indicates a somewhat cheap valuation: AMUN is cheaper than 76.47% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.75. AMUN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.65, the valuation of AMUN can be described as very reasonable.
Based on the Price/Forward Earnings ratio, AMUN is valued cheaply inside the industry as 80.88% of the companies are valued more expensively.
AMUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.44, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AMUN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.18
PEG (5Y)1.67
EPS Next 2Y6.11%
EPS Next 3Y5.53%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.17%, AMUN is a good candidate for dividend investing.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.40. AMUN pays more dividend than 89.71% of the companies in the same industry.
AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.17% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y6.11%
EPS Next 3Y5.53%
EPA:AMUN (3/4/2025, 9:16:00 AM)
68.15
-1.35 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners12%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.00B
Analysts80
Price Target78.57 (15.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.17% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.05%
Min EPS beat(2)-0.88%
Max EPS beat(2)4.99%
EPS beat(4)2
Avg EPS beat(4)0.67%
Min EPS beat(4)-2.46%
Max EPS beat(4)4.99%
EPS beat(8)4
Avg EPS beat(8)1.22%
EPS beat(12)7
Avg EPS beat(12)3.91%
EPS beat(16)11
Avg EPS beat(16)7.03%
Revenue beat(2)1
Avg Revenue beat(2)-0.22%
Min Revenue beat(2)-1.31%
Max Revenue beat(2)0.87%
Revenue beat(4)2
Avg Revenue beat(4)0.14%
Min Revenue beat(4)-1.31%
Max Revenue beat(4)1.02%
Revenue beat(8)4
Avg Revenue beat(8)-0.17%
Revenue beat(12)8
Avg Revenue beat(12)46.07%
Revenue beat(16)12
Avg Revenue beat(16)70.03%
PT rev (1m)0.7%
PT rev (3m)-0.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.41%
EPS NY rev (1m)-0.32%
EPS NY rev (3m)-2.06%
Revenue NQ rev (1m)0.63%
Revenue NQ rev (3m)-1.34%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.1 | ||
| Fwd PE | 9.65 | ||
| P/S | 1.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.24 | ||
| P/tB | 3.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.75
EY9.9%
EPS(NY)7.06
Fwd EY10.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS39.7
BVpS54.89
TBVpS21.73
PEG (NY)2.18
PEG (5Y)1.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.79% | ||
| ROE | 22.74% | ||
| ROCE | 9.32% | ||
| ROIC | 6.88% | ||
| ROICexc | 7.07% | ||
| ROICexgc | 8.87% | ||
| OM | 37.71% | ||
| PM (TTM) | 31.44% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y18.49%
OM growth 5Y11.54%
PM growth 3Y17.35%
PM growth 5Y13.69%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.76 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.69 | ||
| Quick Ratio | 0.69 | ||
| Altman-Z | 1.06 |
F-ScoreN/A
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.69%
EPS 3Y1.21%
EPS 5Y6.04%
EPS Q2Q%20.26%
EPS Next Y4.62%
EPS Next 2Y6.11%
EPS Next 3Y5.53%
EPS Next 5YN/A
Revenue 1Y (TTM)7.25%
Revenue growth 3Y-16.14%
Revenue growth 5Y-6.46%
Sales Q2Q%14.64%
Revenue Next Year2.3%
Revenue Next 2Y3.23%
Revenue Next 3Y5.89%
Revenue Next 5Y2.52%
EBIT growth 1Y8.77%
EBIT growth 3Y-0.63%
EBIT growth 5Y4.34%
EBIT Next Year7.96%
EBIT Next 3Y4.33%
EBIT Next 5Y4.87%
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A