AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
69.05 EUR
+0.2 (+0.29%)
We assign a fundamental rating of 5 out of 10 to ANI. ANI was compared to 121 industry peers in the Capital Markets industry. Both the profitability and the financial health of ANI get a neutral evaluation. Nothing too spectacular is happening here. ANI is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year ANI was profitable.
In the past year ANI had a positive cash flow from operations.
In the past 5 years ANI has always been profitable.
ANI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 6.08%, ANI is doing good in the industry, outperforming 76.03% of the companies in the same industry.
The Return On Equity of ANI (19.85%) is better than 78.51% of its industry peers.
ANI has a Return On Invested Capital of 5.43%. This is in the better half of the industry: ANI outperforms 69.42% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ANI is significantly below the industry average of 9.05%.
The 3 year average ROIC (3.64%) for ANI 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
ANI has a Profit Margin of 28.33%. This is in the better half of the industry: ANI outperforms 76.03% of its industry peers.
ANI's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 29.17%, ANI is in the better half of the industry, outperforming 67.77% of the companies in the same industry.
In the last couple of years the Operating Margin of ANI has remained more or less at the same level.
ANI has a Gross Margin of 41.94%. This is comparable to the rest of the industry: ANI outperforms 59.50% of its industry peers.
In the last couple of years the Gross Margin of ANI 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 ANI remains at a similar level compared to 1 year ago.
ANI has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ANI has an improved debt to assets ratio.
2.2 Solvency
ANI has an Altman-Z score of 1.03. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.03, ANI perfoms like the industry average, outperforming 55.37% of the companies in the same industry.
The Debt to FCF ratio of ANI is 1.25, which is an excellent value as it means it would take ANI, only 1.25 years of fcf income to pay off all of its debts.
ANI has a Debt to FCF ratio of 1.25. This is amongst the best in the industry. ANI outperforms 90.08% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that ANI is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.19, ANI is in the better half of the industry, outperforming 70.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.03 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
ANI has a Current Ratio of 0.83. This is a bad value and indicates that ANI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Current ratio value of 0.83, ANI perfoms like the industry average, outperforming 48.76% of the companies in the same industry.
ANI has a Quick Ratio of 0.83. This is a bad value and indicates that ANI is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.83, ANI perfoms like the industry average, outperforming 49.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
ANI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.48%.
The Earnings Per Share has been growing slightly by 7.93% on average over the past years.
Looking at the last year, ANI shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
Measured over the past years, ANI shows a small growth in Revenue. The Revenue has been growing by 6.39% on average per year.
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, ANI will show a small growth in Earnings Per Share. The EPS will grow by 1.02% on average per year.
ANI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.43% yearly.
EPS Next Y-3.37%
EPS Next 2Y3.18%
EPS Next 3Y3.98%
EPS Next 5Y1.02%
Revenue Next Year-3.18%
Revenue Next 2Y-0.73%
Revenue Next 3Y0.93%
Revenue Next 5Y1.43%
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
Based on the Price/Earnings ratio of 10.46, the valuation of ANI can be described as reasonable.
Based on the Price/Earnings ratio, ANI is valued cheaper than 81.82% of the companies in the same industry.
ANI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.31.
Based on the Price/Forward Earnings ratio of 9.61, the valuation of ANI can be described as reasonable.
Based on the Price/Forward Earnings ratio, ANI is valued cheaper than 89.26% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, ANI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ANI is valued cheaply inside the industry as 88.43% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, ANI is valued cheaper than 88.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.83 | ||
| EV/EBITDA | 5.09 |
4.3 Compensation for Growth
ANI has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2Y3.18%
EPS Next 3Y3.98%
5. Dividend
5.1 Amount
ANI has a Yearly Dividend Yield of 6.16%, which is a nice return.
ANI's Dividend Yield is rather good when compared to the industry average which is at 5.55. ANI pays more dividend than 89.26% of the companies in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y3.18%
EPS Next 3Y3.98%
FRA:ANI (11/28/2025, 7:00:00 PM)
69.05
+0.2 (+0.29%)
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 Cap14.25B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts80
Price Target73.21 (6.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.16% |
Yearly Dividend4.1
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years3
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)-6.07%
PT rev (3m)-6.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)-1.05%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 9.61 | ||
| P/S | 1.7 | ||
| P/FCF | 7.83 | ||
| P/OCF | 7.49 | ||
| P/B | 1.19 | ||
| P/tB | 2.82 | ||
| EV/EBITDA | 5.09 |
EPS(TTM)6.6
EY9.56%
EPS(NY)7.19
Fwd EY10.41%
FCF(TTM)8.82
FCFY12.78%
OCF(TTM)9.22
OCFY13.36%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.32
Graham Number92.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.08% | ||
| ROE | 19.85% | ||
| ROCE | 7.29% | ||
| ROIC | 5.43% | ||
| ROICexc | 5.74% | ||
| ROICexgc | 7.24% | ||
| 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 | 1.03 |
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 5Y1.02%
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 5Y1.43%
EBIT growth 1Y-16.21%
EBIT growth 3Y1.87%
EBIT growth 5Y5.91%
EBIT Next Year-1.27%
EBIT Next 3Y2.68%
EBIT Next 5Y2.13%
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 / ANI.DE FAQ
Can you provide the ChartMill fundamental rating for AMUNDI SA?
ChartMill assigns a fundamental rating of 5 / 10 to ANI.DE.
What is the valuation status of AMUNDI SA (ANI.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (ANI.DE). This can be considered as Undervalued.
How profitable is AMUNDI SA (ANI.DE) stock?
AMUNDI SA (ANI.DE) has a profitability rating of 6 / 10.
What is the valuation of AMUNDI SA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for AMUNDI SA (ANI.DE) is 10.46 and the Price/Book (PB) ratio is 1.19.
How financially healthy is AMUNDI SA?
The financial health rating of AMUNDI SA (ANI.DE) is 4 / 10.