AMUNDI SA (ANI.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:ANI - FR0004125920 - Common Stock
70 EUR
+0.35 (+0.5%)
ANI gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 120 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.
In the past 5 years ANI has always 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 76.67% of its industry peers.
The Return On Equity of ANI (19.85%) is better than 80.83% of its industry peers.
With a decent Return On Invested Capital value of 5.43%, ANI is doing good in the industry, outperforming 70.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years 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
The Profit Margin of ANI (28.33%) is better than 76.67% 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 70.83% of its industry peers.
ANI's Operating Margin has been stable in the last couple of years.
With a decent Gross Margin value of 41.94%, ANI is doing good in the industry, outperforming 61.67% of the companies in the same industry.
ANI's Gross Margin has been stable in the last couple of years.
| 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
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 1.03. 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.
ANI's Debt to FCF ratio of 1.25 is amongst the best of the industry. ANI outperforms 90.83% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that ANI is not too dependend on debt financing.
ANI has a better Debt to Equity ratio (0.19) than 70.83% 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
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 50.83% of the companies in the same industry.
A Quick Ratio of 0.83 indicates that ANI may have some problems paying its short term obligations.
With a Quick ratio value of 0.83, ANI perfoms like the industry average, outperforming 51.67% 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%.
ANI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.94% yearly.
The Revenue has been growing slightly by 5.42% in the past 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.
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-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.
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
Based on the Price/Earnings ratio of 10.61, the valuation of ANI can be described as reasonable.
Based on the Price/Earnings ratio, ANI is valued cheaper than 85.83% 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 26.57.
ANI is valuated reasonably with a Price/Forward Earnings ratio of 9.77.
ANI's Price/Forward Earnings ratio is rather cheap when compared to the industry. ANI is cheaper than 91.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ANI to the average of the S&P500 Index (24.04), we can say ANI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ANI indicates a rather cheap valuation: ANI is cheaper than 89.17% of the companies listed in the same industry.
ANI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ANI is cheaper than 90.00% 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 2Y3.03%
EPS Next 3Y3.3%
5. Dividend
5.1 Amount
ANI has a Yearly Dividend Yield of 6.07%, which is a nice return.
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 1.88.
| 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 2Y3.03%
EPS Next 3Y3.3%
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)-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 | 10.61 | ||
| Fwd PE | 9.77 | ||
| 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)7.17
Fwd EY10.24%
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-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 10.61 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.