AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
69.55 EUR
+0.85 (+1.24%)
ANI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 120 industry peers in the Capital Markets industry. ANI scores excellent on profitability, but 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
In the past year ANI was profitable.
ANI had a positive operating cash flow in the past year.
ANI had positive earnings in each of the past 5 years.
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 75.83% of its industry peers.
The Return On Equity of ANI (19.85%) is better than 80.00% 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 69.17% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ANI is significantly below the industry average of 9.23%.
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)3.81%
1.3 Margins
ANI's Profit Margin of 28.33% is fine compared to the rest of the industry. ANI outperforms 75.83% 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 29.18%, ANI is in the better half of the industry, outperforming 70.00% 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.
With a decent Gross Margin value of 41.94%, ANI is doing good in the industry, outperforming 60.83% 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 | 29.18% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% |
OM growth 3Y-1.98%
OM growth 5Y-0.45%
PM growth 3Y-2.51%
PM growth 5Y1.72%
GM growth 3Y0.05%
GM growth 5Y-0.38%
2. Health
2.1 Basic Checks
Compared to 1 year ago, ANI has about the same amount of shares outstanding.
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 1.03. 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 of 1.03. This is comparable to the rest of the industry: ANI outperforms 55.83% of its industry peers.
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.
The Debt to FCF ratio of ANI (1.25) is better than 90.00% of its industry peers.
ANI has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
ANI's Debt to Equity ratio of 0.19 is fine compared to the rest of the industry. ANI outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 1.25 | ||
| Altman-Z | 1.03 |
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's Current ratio of 0.83 is in line compared to the rest of the industry. ANI outperforms 50.00% of its industry peers.
A Quick Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
ANI has a Quick ratio (0.83) which is comparable to the rest of the 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.
Measured over the past 5 years, ANI shows a small growth in Earnings Per Share. The EPS has been growing by 7.94% on average per year.
Looking at the last year, ANI shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
ANI 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 5Y7.94%
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 1.02% on average over the next years.
The Revenue is expected to grow by 1.43% on average over the next years.
EPS Next Y-2.12%
EPS Next 2Y3.03%
EPS Next 3Y3.3%
EPS Next 5Y1.02%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.46%
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
A Price/Earnings ratio of 10.54 indicates a reasonable valuation of ANI.
85.00% of the companies in the same industry are more expensive than ANI, based on the Price/Earnings ratio.
ANI is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.71, which indicates a very decent valuation of ANI.
Based on the Price/Forward Earnings ratio, ANI is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of ANI to the average of the S&P500 Index (23.84), we can say ANI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ANI is valued cheaply inside the industry as 88.33% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.89 | ||
| EV/EBITDA | 5.12 |
4.3 Compensation for Growth
The decent profitability rating of ANI may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)1.33
EPS Next 2Y3.03%
EPS Next 3Y3.3%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.14%, ANI is a good candidate for dividend investing.
ANI's Dividend Yield is rather good when compared to the industry average which is at 3.18. ANI pays more dividend than 91.67% of the companies in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.14% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
DPN/A
EPS Next 2Y3.03%
EPS Next 3Y3.3%
FRA:ANI (12/19/2025, 7:00:00 PM)
69.55
+0.85 (+1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners79.33%
Inst Owner ChangeN/A
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.35B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts79
Price Target73.92 (6.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.14% |
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)-5.04%
PT rev (3m)-5.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)1.3%
EPS NY rev (3m)0.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)1.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.54 | ||
| Fwd PE | 9.71 | ||
| P/S | 1.71 | ||
| P/FCF | 7.89 | ||
| P/OCF | 7.54 | ||
| P/B | 1.2 | ||
| P/tB | 2.84 | ||
| EV/EBITDA | 5.12 |
EPS(TTM)6.6
EY9.49%
EPS(NY)7.17
Fwd EY10.3%
FCF(TTM)8.82
FCFY12.68%
OCF(TTM)9.22
OCFY13.26%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.33
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 | 29.18% | ||
| PM (TTM) | 28.33% | ||
| GM | 41.94% | ||
| FCFM | 21.65% |
ROA(3y)3.57%
ROA(5y)3.72%
ROE(3y)10.62%
ROE(5y)10.81%
ROIC(3y)3.64%
ROIC(5y)3.81%
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-1.98%
OM growth 5Y-0.45%
PM growth 3Y-2.51%
PM growth 5Y1.72%
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 | 78.3% | ||
| Cap/Sales | 0.99% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 74.38% | ||
| Profit Quality | 76.44% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 1.03 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)63.34%
Cap/Depr(5y)64.3%
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 5Y7.94%
EPS Q2Q%0%
EPS Next Y-2.12%
EPS Next 2Y3.03%
EPS Next 3Y3.3%
EPS Next 5Y1.02%
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 3Y0.46%
Revenue Next 5Y1.43%
EBIT growth 1Y-16.18%
EBIT growth 3Y1.87%
EBIT growth 5Y5.9%
EBIT Next Year1.39%
EBIT Next 3Y2.15%
EBIT Next 5Y2.13%
FCF growth 1Y48.2%
FCF growth 3Y-7.27%
FCF growth 5Y10.18%
OCF growth 1Y47.68%
OCF growth 3Y-6.66%
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 7 / 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 10.54 and the Price/Book (PB) ratio is 1.2.
How financially healthy is AMUNDI SA?
The financial health rating of AMUNDI SA (ANI.DE) is 4 / 10.