AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - EPA:AMUN - FR0004125920 - Common Stock
64.25 EUR
+0.55 (+0.86%)
Overall AMUN gets a fundamental rating of 5 out of 10. We evaluated AMUN against 112 industry peers in the Capital Markets industry. AMUN has an excellent profitability rating, 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.
In the past year AMUN had a positive cash flow from operations.
In the past 5 years AMUN has always been profitable.
AMUN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
AMUN has a better Return On Assets (6.08%) than 76.79% of its industry peers.
AMUN has a better Return On Equity (19.85%) than 83.04% of its industry peers.
With a decent Return On Invested Capital value of 5.43%, AMUN is doing good in the industry, outperforming 72.32% 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 8.46%.
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 75.00% 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 71.43% 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 has a better Gross Margin (41.94%) than 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.
AMUN has more shares outstanding than it did 5 years ago.
AMUN has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.00, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
AMUN has a Altman-Z score of 1.00. This is comparable to the rest of the industry: AMUN outperforms 53.57% 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.
Looking at the Debt to FCF ratio, with a value of 1.25, AMUN belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
AMUN's Debt to Equity ratio of 0.19 is fine compared to the rest of the industry. AMUN outperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
AMUN's Current ratio of 0.83 is in line compared to the rest of the industry. AMUN outperforms 52.68% 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 54.46% of the companies in the same 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 6.28%.
AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.93% yearly.
Looking at the last year, AMUN shows a small growth in Revenue. The Revenue has grown by 7.39% in the last year.
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 1.69% yearly.
The Revenue is expected to grow by 2.94% on average over the next years.
EPS Next Y-2.64%
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPS Next 5Y1.69%
Revenue Next Year-4.29%
Revenue Next 2Y-0.93%
Revenue Next 3Y0.9%
Revenue Next 5Y2.94%
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
Based on the Price/Earnings ratio of 9.73, the valuation of AMUN can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 82.14% of the companies listed in the same industry.
AMUN is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 8.93, which indicates a very decent valuation of AMUN.
AMUN's Price/Forward Earnings ratio is rather cheap when compared to the industry. AMUN is cheaper than 93.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.77. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
86.61% of the companies in the same industry are more expensive than AMUN, based on the Enterprise Value to EBITDA ratio.
AMUN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. AMUN is cheaper than 91.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.25 | ||
| EV/EBITDA | 4.63 |
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)1.23
EPS Next 2Y3.24%
EPS Next 3Y4.11%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.65%, AMUN is a good candidate for dividend investing.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 6.14. AMUN pays more dividend than 91.96% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.65% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPA:AMUN (9/15/2025, 7:00:00 PM)
64.25
+0.55 (+0.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners10.49%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.20B
Analysts80
Price Target77.94 (21.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.65% |
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)-0.4%
PT rev (3m)-0.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.97%
EPS NY rev (1m)-3.27%
EPS NY rev (3m)-3.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.51%
Revenue NY rev (1m)-3.85%
Revenue NY rev (3m)-3.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 8.93 | ||
| P/S | 1.57 | ||
| P/FCF | 7.25 | ||
| P/OCF | 6.93 | ||
| P/B | 1.1 | ||
| P/tB | 2.62 | ||
| EV/EBITDA | 4.63 |
EPS(TTM)6.6
EY10.27%
EPS(NY)7.19
Fwd EY11.2%
FCF(TTM)8.87
FCFY13.8%
OCF(TTM)9.27
OCFY14.43%
SpS40.91
BVpS58.38
TBVpS24.56
PEG (NY)N/A
PEG (5Y)1.23
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 |
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-2.64%
EPS Next 2Y3.24%
EPS Next 3Y4.11%
EPS Next 5Y1.69%
Revenue 1Y (TTM)7.39%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-10.94%
Revenue Next Year-4.29%
Revenue Next 2Y-0.93%
Revenue Next 3Y0.9%
Revenue Next 5Y2.94%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year3.5%
EBIT Next 3Y4.33%
EBIT Next 5Y4.37%
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%