AMUNDI SA (AMUN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:AMUN - FR0004125920 - Common Stock
73.175 EUR
-1.28 (-1.71%)
Overall AMUN gets a fundamental rating of 5 out of 10. We evaluated AMUN against 125 industry peers in the Capital Markets industry. While AMUN belongs to the best of the industry regarding profitability, 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.
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 better Return On Assets (6.08%) than 76.80% of its industry peers.
With a decent Return On Equity value of 19.85%, AMUN is doing good in the industry, outperforming 78.40% of the companies in the same industry.
AMUN's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. AMUN outperforms 71.20% of its industry peers.
The Average Return On Invested Capital over the past 3 years for AMUN is below the industry average of 8.63%.
The last Return On Invested Capital (5.43%) for AMUN is above the 3 year average (3.64%), which is a sign of increasing profitability.
| 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 better Profit Margin (28.32%) than 75.20% of its industry peers.
In the last couple of years the Profit Margin of AMUN has grown nicely.
AMUN has a Operating Margin of 29.17%. This is in the better half of the industry: AMUN outperforms 68.00% of its industry peers.
AMUN's Operating Margin has been stable in the last couple of years.
The Gross Margin of AMUN (41.94%) is better than 60.80% 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) | 28.32% | ||
| 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.
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
AMUN has an Altman-Z score of 1.05. This is a bad value and indicates that AMUN is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.05, AMUN perfoms like the industry average, outperforming 59.20% of the companies in the same industry.
The Debt to FCF ratio of AMUN is 1.25, which is an excellent value as it means it would take AMUN, only 1.25 years of fcf income to pay off all of its debts.
AMUN has a better Debt to FCF ratio (1.25) than 90.40% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that AMUN is not too dependend on debt financing.
AMUN has a better Debt to Equity ratio (0.19) than 72.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.05 |
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 51.20% of its industry peers.
A Quick Ratio of 0.83 indicates that AMUN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.83, AMUN is in line with its industry, outperforming 52.00% 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 2.48%.
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 5.42% 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)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
Based on estimates for the next years, AMUN will show a small growth in Earnings Per Share. The EPS will grow by 0.73% on average per year.
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.
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 11.09, which indicates a very decent valuation of AMUN.
Based on the Price/Earnings ratio, AMUN is valued cheaply inside the industry as 84.80% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.25. AMUN is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.25, the valuation of AMUN can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of AMUN indicates a rather cheap valuation: AMUN is cheaper than 88.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of AMUN to the average of the S&P500 Index (23.98), we can say AMUN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 10.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, AMUN is valued cheaply inside the industry as 88.00% of the companies are valued more expensively.
88.00% 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 | 8.3 | ||
| EV/EBITDA | 5.52 |
4.3 Compensation for Growth
The decent profitability rating of AMUN may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.4
EPS Next 2Y2.86%
EPS Next 3Y3.41%
5. Dividend
5.1 Amount
AMUN has a Yearly Dividend Yield of 5.93%, which is a nice return.
Compared to an average industry Dividend Yield of 3.32, AMUN pays a better dividend. On top of this AMUN pays more dividend than 86.40% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, AMUN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.93% |
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 (1/13/2026, 5:29:54 PM)
73.175
-1.28 (-1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.3%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap15.10B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts77
Price Target74.6 (1.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.93% |
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)1%
PT rev (3m)-4.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)0.6%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.09 | ||
| Fwd PE | 10.25 | ||
| P/S | 1.8 | ||
| P/FCF | 8.3 | ||
| P/OCF | 7.94 | ||
| P/B | 1.26 | ||
| P/tB | 2.99 | ||
| EV/EBITDA | 5.52 |
EPS(TTM)6.6
EY9.02%
EPS(NY)7.14
Fwd EY9.76%
FCF(TTM)8.82
FCFY12.05%
OCF(TTM)9.22
OCFY12.6%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.4
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.