AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
70 EUR
+0.35 (+0.5%)
We assign a fundamental rating of 5 out of 10 to ANI. ANI was compared to 117 industry peers in the Capital Markets industry. While ANI has a great profitability rating, 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 has a better Return On Assets (6.08%) than 78.63% of its industry peers.
Looking at the Return On Equity, with a value of 19.85%, ANI belongs to the top of the industry, outperforming 80.34% of the companies in the same industry.
ANI's Return On Invested Capital of 5.43% is fine compared to the rest of the industry. ANI outperforms 72.65% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ANI is below the industry average of 8.62%.
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 has a Profit Margin of 28.33%. This is in the better half of the industry: ANI outperforms 76.92% of its industry peers.
In the last couple of years the Profit Margin of ANI has grown nicely.
ANI's Operating Margin of 29.18% is fine compared to the rest of the industry. ANI outperforms 70.09% 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 63.25% 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 | 29.18% | ||
| 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
The number of shares outstanding for ANI remains at a similar level compared to 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 1.03. 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 (1.03) 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 has a better Debt to FCF ratio (1.25) than 90.60% 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.
Looking at the Debt to Equity ratio, with a value of 0.19, ANI is in the better half of the industry, outperforming 71.79% 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
A Current Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.83, ANI is in line with its industry, outperforming 53.85% 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.
The Quick ratio of ANI (0.83) 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
ANI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.48%.
ANI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.94% yearly.
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
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.
Based on estimates for the next years, ANI will show a small growth in Revenue. The Revenue will grow by 1.43% on average per year.
EPS Next Y-1.53%
EPS Next 2Y2.86%
EPS Next 3Y3.41%
EPS Next 5Y1.02%
Revenue Next Year-2.9%
Revenue Next 2Y-0.63%
Revenue Next 3Y0.48%
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.
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 10.61, which indicates a very decent valuation of ANI.
85.47% of the companies in the same industry are more expensive than ANI, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.92. ANI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.80, the valuation of ANI can be described as reasonable.
Based on the Price/Forward Earnings ratio, ANI is valued cheaply inside the industry as 91.45% of the companies are valued more expensively.
ANI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 9.8 |
4.2 Price Multiples
ANI's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ANI is cheaper than 88.89% of the companies in the same industry.
ANI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ANI is cheaper than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.94 | ||
| EV/EBITDA | 5.16 |
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)1.34
EPS Next 2Y2.86%
EPS Next 3Y3.41%
5. Dividend
5.1 Amount
ANI has a Yearly Dividend Yield of 6.07%, which is a nice return.
Compared to an average industry Dividend Yield of 3.29, ANI pays a better dividend. On top of this ANI pays more dividend than 91.45% of the companies listed in the same industry.
ANI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.07% |
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 (12/23/2025, 7:00:00 PM)
70
+0.35 (+0.5%)
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 Cap14.45B
Revenue(TTM)8.36B
Net Income(TTM)2.38B
Analysts79
Price Target74.71 (6.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.07% |
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)2.05%
PT rev (3m)-4.15%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)1.91%
EPS NY rev (3m)1.6%
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 | 10.61 | ||
| Fwd PE | 9.8 | ||
| P/S | 1.72 | ||
| P/FCF | 7.94 | ||
| P/OCF | 7.59 | ||
| P/B | 1.2 | ||
| P/tB | 2.86 | ||
| EV/EBITDA | 5.16 |
EPS(TTM)6.6
EY9.43%
EPS(NY)7.14
Fwd EY10.2%
FCF(TTM)8.82
FCFY12.6%
OCF(TTM)9.22
OCFY13.17%
SpS40.72
BVpS58.11
TBVpS24.45
PEG (NY)N/A
PEG (5Y)1.34
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-1.53%
EPS Next 2Y2.86%
EPS Next 3Y3.41%
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 3Y0.48%
Revenue Next 5Y1.43%
EBIT growth 1Y-16.18%
EBIT growth 3Y1.87%
EBIT growth 5Y5.9%
EBIT Next Year1.39%
EBIT Next 3Y2.13%
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 10.61 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.