AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
74.05 EUR
-0.75 (-1%)
Taking everything into account, ANI scores 5 out of 10 in our fundamental rating. ANI was compared to 121 industry peers in the Capital Markets industry. While ANI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ANI is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- ANI had positive earnings in the past year.
- 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 78.51% of the companies in the same industry.
- ANI has a Return On Equity of 19.85%. This is amongst the best in the industry. ANI outperforms 80.99% of its industry peers.
- ANI's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. ANI outperforms 73.55% of its industry peers.
- ANI had an Average Return On Invested Capital over the past 3 years of 3.64%. This is below the industry average of 8.43%.
- The last Return On Invested Capital (5.43%) for ANI 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
- With a decent Profit Margin value of 28.32%, ANI is doing good in the industry, outperforming 76.86% of the companies in the same industry.
- ANI's Profit Margin has improved in the last couple of years.
- ANI has a Operating Margin of 29.17%. This is in the better half of the industry: ANI outperforms 71.90% of its industry peers.
- ANI's Operating Margin has been stable in the last couple of years.
- ANI has a Gross Margin of 41.94%. This is in the better half of the industry: ANI outperforms 63.64% of its industry peers.
- ANI'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
- ANI has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ANI has more shares outstanding
- The debt/assets ratio for ANI has been reduced compared to a year ago.
2.2 Solvency
- ANI has an Altman-Z score of 1.05. This is a bad value and indicates that ANI is not financially healthy and even has some risk of bankruptcy.
- ANI has a Altman-Z score (1.05) which is in line with its industry peers.
- ANI 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.
- With an excellent Debt to FCF ratio value of 1.25, ANI belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
- ANI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
- With a decent Debt to Equity ratio value of 0.19, ANI is doing good in the industry, outperforming 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.05 |
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.
- Looking at the Current ratio, with a value of 0.83, ANI is in line with its industry, outperforming 53.72% 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.
- Looking at the Quick ratio, with a value of 0.83, ANI is in line with its industry, outperforming 54.55% of the companies in the same industry.
| 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.
- The Revenue has been growing slightly by 5.42% in the past 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
- The Earnings Per Share is expected to grow by 0.73% on average over the next years.
- Based on estimates for the next years, ANI 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
- ANI is valuated reasonably with a Price/Earnings ratio of 11.22.
- 84.30% of the companies in the same industry are more expensive than ANI, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, ANI is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.37, the valuation of ANI can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 89.26% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. ANI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 10.37 |
4.2 Price Multiples
- 90.08% of the companies in the same industry are more expensive than ANI, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, ANI is valued cheaper than 91.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.4 | ||
| EV/EBITDA | 5.49 |
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)1.42
EPS Next 2Y2.86%
EPS Next 3Y3.41%
5. Dividend
5.1 Amount
- ANI has a Yearly Dividend Yield of 5.68%, which is a nice return.
- ANI's Dividend Yield is rather good when compared to the industry average which is at 3.07. ANI pays more dividend than 89.26% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, ANI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y2.86%
EPS Next 3Y3.41%
FRA:ANI (1/19/2026, 7:00:00 PM)
74.05
-0.75 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-28 2025-10-28/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners79.3%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap15.28B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts77
Price Target76.81 (3.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.68% |
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)3.91%
PT rev (3m)-1.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.6%
EPS NY rev (3m)1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 10.37 | ||
| P/S | 1.82 | ||
| P/FCF | 8.4 | ||
| P/OCF | 8.03 | ||
| P/B | 1.27 | ||
| P/tB | 3.03 | ||
| EV/EBITDA | 5.49 |
EPS(TTM)6.6
EY8.91%
EPS(NY)7.14
Fwd EY9.64%
FCF(TTM)8.82
FCFY11.91%
OCF(TTM)9.22
OCFY12.45%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.42
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 / 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 for ANI stock?
ChartMill assigns a valuation rating of 7 / 10 to AMUNDI SA (ANI.DE). This can be considered as Undervalued.
What is the profitability of ANI stock?
AMUNDI SA (ANI.DE) has a profitability rating of 7 / 10.
Can you provide the financial health for ANI stock?
The financial health rating of AMUNDI SA (ANI.DE) is 4 / 10.
What is the expected EPS growth for AMUNDI SA (ANI.DE) stock?
The Earnings per Share (EPS) of AMUNDI SA (ANI.DE) is expected to decline by -1.53% in the next year.