AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:ANI • FR0004125920
76.4 EUR
+1.05 (+1.39%)
Last: Feb 2, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to ANI. ANI was compared to 119 industry peers in the Capital Markets industry. ANI scores excellent on profitability, but there are some minor concerns on its financial health. ANI has a bad growth rate and is valued cheaply.
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.
- Each year in the past 5 years ANI has been profitable.
- Of the past 5 years ANI 4 years had a positive operating cash flow.
1.2 Ratios
- ANI's Return On Assets of 6.08% is fine compared to the rest of the industry. ANI outperforms 77.31% of its industry peers.
- The Return On Equity of ANI (19.85%) is better than 81.51% of its industry peers.
- The Return On Invested Capital of ANI (5.43%) is better than 72.27% of its industry peers.
- ANI had an Average Return On Invested Capital over the past 3 years of 3.64%. This is significantly below the industry average of 8.69%.
- 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 76.47% of the companies in the same industry.
- In the last couple of years the Profit Margin of ANI has grown nicely.
- ANI's Operating Margin of 29.17% is fine compared to the rest of the industry. ANI outperforms 70.59% of its industry peers.
- ANI's Operating Margin has been stable in the last couple of years.
- Looking at the Gross Margin, with a value of 41.94%, ANI is in the better half of the industry, outperforming 61.34% of the companies in the same industry.
- 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) | 28.32% | ||
| 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.
- 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 1.06. 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 (1.06) which is comparable to the rest of the industry.
- 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.
- ANI's Debt to FCF ratio of 1.25 is amongst the best of the industry. ANI outperforms 90.76% of its industry peers.
- A Debt/Equity ratio of 0.19 indicates that ANI is not too dependend on debt financing.
- The Debt to Equity ratio of ANI (0.19) is better than 73.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.06 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
- ANI has a Current ratio (0.83) which is comparable to the rest of the 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.
- ANI has a Quick ratio (0.83) which is in line with its industry peers.
| 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%.
- Measured over the past 5 years, ANI shows a small growth in Earnings Per Share. The EPS has been growing by 7.93% on average per year.
- The Revenue has been growing slightly by 5.16% in the past 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)5.16%
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.
- The Revenue is expected to grow by 1.14% on average over the next years.
EPS Next Y-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.58, which indicates a very decent valuation of ANI.
- Compared to the rest of the industry, the Price/Earnings ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 84.87% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.41, ANI is valued rather cheaply.
- ANI is valuated reasonably with a Price/Forward Earnings ratio of 10.64.
- 88.24% of the companies in the same industry are more expensive than ANI, based on the Price/Forward Earnings ratio.
- ANI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ANI is valued cheaper than 89.92% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 91.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.66 | ||
| EV/EBITDA | 5.68 |
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)1.46
EPS Next 2Y3.16%
EPS Next 3Y3.76%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.68%, ANI is a good candidate for dividend investing.
- ANI's Dividend Yield is rather good when compared to the industry average which is at 3.02. ANI pays more dividend than 89.08% 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 2Y3.16%
EPS Next 3Y3.76%
FRA:ANI (2/2/2026, 7:00:00 PM)
76.4
+1.05 (+1.39%)
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 Cap15.77B
Revenue(TTM)8.34B
Net Income(TTM)2.38B
Analysts77
Price Target76.81 (0.54%)
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)2.81%
PT rev (3m)-2.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 10.64 | ||
| P/S | 1.88 | ||
| P/FCF | 8.66 | ||
| P/OCF | 8.29 | ||
| P/B | 1.31 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | 5.68 |
EPS(TTM)6.6
EY8.64%
EPS(NY)7.18
Fwd EY9.4%
FCF(TTM)8.82
FCFY11.54%
OCF(TTM)9.22
OCFY12.07%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.46
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 | 1.06 |
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-1.63%
EPS Next 2Y3.16%
EPS Next 3Y3.76%
EPS Next 5Y0.73%
Revenue 1Y (TTM)5.16%
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 -1.63% in the next year.