AMUNDI SA(EPA:AMUN) stock Fundamental Analysis

Fundamental Rating

AMUN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 104 industry peers in the Capital Markets industry. While AMUN is still in line with the averages on profitability rating, there are concerns on its financial health. AMUN has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

AMUN had positive earnings in the past year.

Each year in the past 5 years AMUN has been profitable.

The reported operating cash flow has been mixed in the past 5 years: AMUN reported negative operating cash flow in multiple years.

1.2 Ratios

AMUN has a Return On Assets of 6.79%. This is amongst the best in the industry. AMUN outperforms 83.65% of its industry peers.

AMUN's Return On Equity of 22.74% is amongst the best of the industry. AMUN outperforms 87.50% of its industry peers.

With an excellent Return On Invested Capital value of 6.88%, AMUN belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.

		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 has a Profit Margin of 31.44%. This is amongst the best in the industry. AMUN outperforms 80.77% of its industry peers.

AMUN's Profit Margin has improved in the last couple of years.

The Operating Margin of AMUN (37.71%) is better than 79.81% 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

AMUN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

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.

With a decent Altman-Z score value of 1.05, AMUN is doing good in the industry, outperforming 60.58% 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.

AMUN's Debt to Equity ratio of 1.76 is in line compared to the rest of the industry. AMUN outperforms 51.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.76
Debt/FCF	N/A
Altman-Z	1.05

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.

With a Current ratio value of 0.69, AMUN perfoms like the industry average, outperforming 55.77% of the companies in the same industry.

AMUN has a Quick Ratio of 0.69. This is a bad value and indicates that AMUN is not financially healthy enough and could expect problems in meeting its short term obligations.

The Quick ratio of AMUN (0.69) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	0.69
Quick Ratio	0.69

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

AMUN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.04% yearly.

AMUN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.25%.

AMUN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.46% yearly.

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

Based on estimates for the next years, AMUN will show a small growth in Earnings Per Share. The EPS will grow by 4.43% on average per year.

Based on estimates for the next years, AMUN will show a small growth in Revenue. The Revenue will grow by 2.52% on average per year.

EPS Next Y0.65%

EPS Next 2Y4.97%

EPS Next 3Y5.21%

EPS Next 5Y4.43%

Revenue Next Year2.21%

Revenue Next 2Y3.16%

Revenue Next 3Y3.37%

Revenue Next 5Y2.52%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.21, which indicates a very decent valuation of AMUN.

AMUN's Price/Earnings ratio is rather cheap when compared to the industry. AMUN is cheaper than 81.73% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 28.79. AMUN is valued rather cheaply when compared to this.

The Price/Forward Earnings ratio is 10.15, which indicates a very decent valuation of AMUN.

83.65% of the companies in the same industry are more expensive than AMUN, based on the Price/Forward Earnings ratio.

AMUN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.21
Fwd PE	10.15

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 an expensive valuation of the company.

AMUN has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)15.64

PEG (5Y)1.69

EPS Next 2Y4.97%

EPS Next 3Y5.21%

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5. Dividend

5.1 Amount

AMUN has a Yearly Dividend Yield of 6.56%, which is a nice return.

AMUN's Dividend Yield is rather good when compared to the industry average which is at 6.53. AMUN pays more dividend than 91.35% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, AMUN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.56%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years3

5.3 Sustainability

DPN/A

EPS Next 2Y4.97%

EPS Next 3Y5.21%

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AMUNDI SA

EPA:AMUN (4/25/2025, 7:00:00 PM)

68.95

+1.65 (+2.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)02-04 2025-02-04/bmo

Earnings (Next)04-29 2025-04-29/amc

Inst Owners12%

Inst Owner ChangeN/A

Ins Owners0%

Ins Owner ChangeN/A

Market Cap14.16B

Analysts80

Price Target79.58 (15.42%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.56%

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)0.93%

PT rev (3m)0.92%

EPS NQ rev (1m)-2.97%

EPS NQ rev (3m)-3.25%

EPS NY rev (1m)-3.8%

EPS NY rev (3m)-5.78%

Revenue NQ rev (1m)0.52%

Revenue NQ rev (3m)5.41%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.73%

Valuation

		Industry Rank	Sector Rank
PE	10.21
Fwd PE	10.15
P/S	1.74
P/FCF	N/A
P/OCF	N/A
P/B	1.26
P/tB	3.17
EV/EBITDA	N/A

EPS(TTM)6.75

EY9.79%

EPS(NY)6.79

Fwd EY9.85%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS39.7

BVpS54.89

TBVpS21.73

PEG (NY)15.64

PEG (5Y)1.69

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	1.05

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 Y0.65%

EPS Next 2Y4.97%

EPS Next 3Y5.21%

EPS Next 5Y4.43%

Revenue 1Y (TTM)7.25%

Revenue growth 3Y-16.14%

Revenue growth 5Y-6.46%

Sales Q2Q%14.64%

Revenue Next Year2.21%

Revenue Next 2Y3.16%

Revenue Next 3Y3.37%

Revenue Next 5Y2.52%

EBIT growth 1Y8.77%

EBIT growth 3Y-0.63%

EBIT growth 5Y4.34%

EBIT Next Year8.69%

EBIT Next 3Y6.36%

EBIT Next 5Y1.69%

FCF growth 1YN/A

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1YN/A

OCF growth 3YN/A

OCF growth 5YN/A

AMUNDI SA (AMUN.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens