AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:AMUN - FR0004125920 - Common Stock
75.05 EUR
+0.25 (+0.33%)
We assign a fundamental rating of 5 out of 10 to AMUN. AMUN was compared to 121 industry peers in the Capital Markets industry. AMUN scores excellent on profitability, but 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.
- AMUN had a positive operating cash flow in the past year.
- 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 77.17% of its industry peers.
- AMUN has a Return On Equity of 19.85%. This is in the better half of the industry: AMUN outperforms 78.74% of its industry peers.
- AMUN's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. AMUN outperforms 71.65% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AMUN is below the industry average of 8.43%.
- 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
- The Profit Margin of AMUN (28.32%) is better than 75.59% 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 68.50% 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 61.42% 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) | 28.32% | ||
| 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 1.05, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
- AMUN has a Altman-Z score (1.05) 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.
- With an excellent Debt to FCF ratio value of 1.25, AMUN belongs to the best of the industry, outperforming 90.55% 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 73.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.05 |
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.
- AMUN has a Quick ratio (0.83) which is in line with its industry peers.
| 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%.
- Measured over the past 5 years, AMUN shows a small growth in Earnings Per Share. The EPS has been growing by 7.93% on average per year.
- AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.42%.
- AMUN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.39% yearly.
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
- The Earnings Per Share is expected to grow by 0.73% on average over the next years.
- Based on estimates for the next years, AMUN will show a small growth in Revenue. The Revenue will grow by 1.14% on average per year.
EPS Next Y-1.53%
EPS Next 2Y2.86%
EPS Next 3Y3.41%
EPS Next 5Y0.73%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%
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 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 11.37.
- 85.04% of the companies in the same industry are more expensive than AMUN, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.38. AMUN is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 10.51, the valuation of AMUN can be described as reasonable.
- 87.40% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of AMUN to the average of the S&P500 Index (24.29), we can say AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.51 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaper than 88.19% of the companies in the same industry.
- 88.98% of the companies in the same industry are more expensive than AMUN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.51 | ||
| EV/EBITDA | 5.57 |
4.3 Compensation for Growth
- AMUN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.43
EPS Next 2Y2.86%
EPS Next 3Y3.41%
5. Dividend
5.1 Amount
- AMUN has a Yearly Dividend Yield of 5.68%, which is a nice return.
- AMUN's Dividend Yield is rather good when compared to the industry average which is at 3.07. AMUN pays more dividend than 90.55% of the companies in the same industry.
- AMUN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y2.86%
EPS Next 3Y3.41%
EPA:AMUN (1/16/2026, 7:00:00 PM)
75.05
+0.25 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners79.3%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap15.49B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts77
Price Target76.81 (2.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)3.98%
PT rev (3m)-1.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.6%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.51 | ||
| P/S | 1.84 | ||
| P/FCF | 8.51 | ||
| P/OCF | 8.14 | ||
| P/B | 1.29 | ||
| P/tB | 3.07 | ||
| EV/EBITDA | 5.57 |
EPS(TTM)6.6
EY8.79%
EPS(NY)7.14
Fwd EY9.52%
FCF(TTM)8.82
FCFY11.75%
OCF(TTM)9.22
OCFY12.29%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.43
Graham Number92.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROCE | 7.29% | ||
| ROIC | 5.43% | ||
| ROICexc | 5.74% | ||
| ROICexgc | 7.25% | ||
| OM | 29.17% | ||
| PM (TTM) | 28.32% | ||
| GM | 41.94% | ||
| FCFM | 21.66% |
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 | 78.57% | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.41% | ||
| Profit Quality | 76.46% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 1.05 |
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-1.53%
EPS Next 2Y2.86%
EPS Next 3Y3.41%
EPS Next 5Y0.73%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
Revenue Next 5Y1.14%
EBIT growth 1Y-16.2%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year1.39%
EBIT Next 3Y2.13%
EBIT Next 5Y1.83%
FCF growth 1Y48.2%
FCF growth 3Y-7.26%
FCF growth 5Y10.19%
OCF growth 1Y47.68%
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.
What is the valuation status of AMUNDI SA (AMUN.PA) stock?
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.
What is the financial health of AMUNDI SA (AMUN.PA) stock?
The financial health rating of AMUNDI SA (AMUN.PA) is 4 / 10.
What is the earnings growth outlook for AMUNDI SA?
The Earnings per Share (EPS) of AMUNDI SA (AMUN.PA) is expected to decline by -1.53% in the next year.