AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - EPA:AMUN - FR0004125920 - Common Stock
66.6 EUR
-0.05 (-0.08%)
Taking everything into account, AMUN scores 5 out of 10 in our fundamental rating. AMUN was compared to 117 industry peers in the Capital Markets industry. While AMUN has a great profitability rating, there are some minor concerns on its financial health. AMUN is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
AMUN had positive earnings in the past year.
In the past year AMUN had a positive cash flow from operations.
In the past 5 years AMUN has always been profitable.
Of the past 5 years AMUN 4 years had a positive operating cash flow.
1.2 Ratios
AMUN has a Return On Assets of 6.08%. This is in the better half of the industry: AMUN outperforms 76.92% of its industry peers.
AMUN has a Return On Equity of 19.85%. This is in the better half of the industry: AMUN outperforms 79.49% of its industry peers.
AMUN's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. AMUN outperforms 71.79% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AMUN is significantly below the industry average of 8.96%.
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
Looking at the Profit Margin, with a value of 28.33%, AMUN is in the better half of the industry, outperforming 78.63% of the companies in the same industry.
In the last couple of years the Profit Margin of AMUN has grown nicely.
AMUN has a better Operating Margin (29.17%) than 71.79% 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 63.25% 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
The number of shares outstanding for AMUN remains at a similar level compared to 1 year ago.
Compared to 5 years ago, AMUN has more shares outstanding
The debt/assets ratio for AMUN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.02, we must say that AMUN is in the distress zone and has some risk of bankruptcy.
AMUN's Altman-Z score of 1.02 is in line compared to the rest of the industry. AMUN outperforms 52.14% 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 89.74% of its industry peers.
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 69.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.02 |
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 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 of 0.83. This is comparable to the rest of the industry: AMUN outperforms 52.99% of its industry peers.
| 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 2.48% 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 5.42% in the last year.
The Revenue has been growing slightly by 6.39% on average over the past years.
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
AMUN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.82% yearly.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.09, which indicates a very decent valuation of AMUN.
Based on the Price/Earnings ratio, AMUN is valued cheaply inside the industry as 83.76% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of AMUN to the average of the S&P500 Index (25.56), we can say AMUN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of AMUN can be described as reasonable.
Based on the Price/Forward Earnings ratio, AMUN is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 34.62. AMUN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaper than 88.89% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, AMUN is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 4.87 |
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 2Y3.18%
EPS Next 3Y3.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.32%, AMUN is a good candidate for dividend investing.
AMUN's Dividend Yield is rather good when compared to the industry average which is at 5.81. AMUN pays more dividend than 87.18% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
DPN/A
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPA:AMUN (11/17/2025, 7:00:00 PM)
66.6
-0.05 (-0.08%)
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 Cap13.68B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts80
Price Target77.84 (16.88%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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)-0.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)-2.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.09 | ||
| Fwd PE | 9.27 | ||
| P/S | 1.63 | ||
| P/FCF | 7.51 | ||
| P/OCF | 7.19 | ||
| P/B | 1.14 | ||
| P/tB | 2.71 | ||
| EV/EBITDA | 4.87 |
EPS(TTM)6.6
EY9.91%
EPS(NY)7.19
Fwd EY10.79%
FCF(TTM)8.87
FCFY13.31%
OCF(TTM)9.27
OCFY13.92%
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 | 1.02 |
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-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.82%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y3.92%
Revenue growth 5Y6.39%
Sales Q2Q%-5.45%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y3.17%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y4.46%
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 -3.37% in the next year.