AXA SA (AXA.DE) Fundamental Analysis & Valuation

FRA:AXA • FR0000120628

Current stock price

41.11 EUR
-0.32 (-0.77%)
Last:

This AXA.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. AXA.DE Profitability Analysis

1.1 Basic Checks

  • AXA had positive earnings in the past year.
  • In the past year AXA had a positive cash flow from operations.
  • Of the past 5 years AXA 4 years were profitable.
  • Of the past 5 years AXA 4 years had a positive operating cash flow.
AXA.DE Yearly Net Income VS EBIT VS OCF VS FCFAXA.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

1.2 Ratios

  • AXA has a Return On Assets of 1.18%. This is comparable to the rest of the industry: AXA outperforms 45.24% of its industry peers.
  • AXA has a better Return On Equity (16.72%) than 61.90% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.28%, AXA is in line with its industry, outperforming 59.52% of the companies in the same industry.
  • AXA had an Average Return On Invested Capital over the past 3 years of 1.29%. This is in line with the industry average of 3.02%.
Industry RankSector Rank
ROA 1.18%
ROE 16.72%
ROIC 1.28%
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
AXA.DE Yearly ROA, ROE, ROICAXA.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 8.52%, AXA perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
  • AXA's Profit Margin has improved in the last couple of years.
  • AXA has a Operating Margin of 11.47%. This is comparable to the rest of the industry: AXA outperforms 47.62% of its industry peers.
  • In the last couple of years the Operating Margin of AXA has grown nicely.
Industry RankSector Rank
OM 11.47%
PM (TTM) 8.52%
GM N/A
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
AXA.DE Yearly Profit, Operating, Gross MarginsAXA.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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5

2. AXA.DE Health Analysis

2.1 Basic Checks

  • AXA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • AXA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
AXA.DE Yearly Shares OutstandingAXA.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B
AXA.DE Yearly Total Debt VS Total AssetsAXA.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • Based on the Altman-Z score of 0.35, we must say that AXA is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of AXA (0.35) is better than 88.10% of its industry peers.
  • AXA has a debt to FCF ratio of 1.41. This is a very positive value and a sign of high solvency as it would only need 1.41 years to pay back of all of its debts.
  • AXA has a Debt to FCF ratio of 1.41. This is in the better half of the industry: AXA outperforms 71.43% of its industry peers.
  • A Debt/Equity ratio of 0.65 indicates that AXA is somewhat dependend on debt financing.
  • AXA has a Debt to Equity ratio (0.65) which is comparable to the rest of the industry.
  • Even though the debt/equity ratio score it not favorable for AXA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 1.41
Altman-Z 0.35
ROIC/WACC0.12
WACC10.69%
AXA.DE Yearly LT Debt VS Equity VS FCFAXA.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

  • A Current Ratio of 0.82 indicates that AXA may have some problems paying its short term obligations.
  • With an excellent Current ratio value of 0.82, AXA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • A Quick Ratio of 0.82 indicates that AXA may have some problems paying its short term obligations.
  • The Quick ratio of AXA (0.82) is better than 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82
AXA.DE Yearly Current Assets VS Current LiabilitesAXA.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. AXA.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.52% over the past year.
  • AXA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.68% yearly.
EPS 1Y (TTM)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.13%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.68% on average over the next years.
  • Based on estimates for the next years, AXA will show a quite strong growth in Revenue. The Revenue will grow by 8.16% on average per year.
EPS Next Y10.45%
EPS Next 2Y8.72%
EPS Next 3Y8.29%
EPS Next 5Y6.68%
Revenue Next Year4.11%
Revenue Next 2Y5.62%
Revenue Next 3Y3.51%
Revenue Next 5Y8.16%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
AXA.DE Yearly Revenue VS EstimatesAXA.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 50B 100B
AXA.DE Yearly EPS VS EstimatesAXA.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1 2 3 4 5

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6

4. AXA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • AXA is valuated reasonably with a Price/Earnings ratio of 10.65.
  • Compared to the rest of the industry, the Price/Earnings ratio of AXA indicates a somewhat cheap valuation: AXA is cheaper than 78.57% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. AXA is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 9.64, which indicates a very decent valuation of AXA.
  • Based on the Price/Forward Earnings ratio, AXA is valued cheaper than 80.95% of the companies in the same industry.
  • AXA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.65
Fwd PE 9.64
AXA.DE Price Earnings VS Forward Price EarningsAXA.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of AXA indicates a rather cheap valuation: AXA is cheaper than 80.95% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.11
EV/EBITDA N/A
AXA.DE Per share dataAXA.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)0.6
EPS Next 2Y8.72%
EPS Next 3Y8.29%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. AXA.DE Dividend Analysis

5.1 Amount

  • AXA has a Yearly Dividend Yield of 6.11%, which is a nice return.
  • AXA's Dividend Yield is a higher than the industry average which is at 4.54.
  • Compared to an average S&P500 Dividend Yield of 1.89, AXA pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.11%

5.2 History

  • The dividend of AXA is nicely growing with an annual growth rate of 8.12%!
Dividend Growth(5Y)8.12%
Div Incr Years5
Div Non Decr Years5
AXA.DE Yearly Dividends per shareAXA.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2 2.5

5.3 Sustainability

  • AXA pays out 61.79% of its income as dividend. This is not a sustainable payout ratio.
  • AXA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y8.72%
EPS Next 3Y8.29%
AXA.DE Yearly Income VS Free CF VS DividendAXA.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B
AXA.DE Dividend Payout.AXA.DE Dividend Payout, showing the Payout Ratio.AXA.DE Dividend Payout.PayoutRetained Earnings

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AXA.DE Fundamentals: All Metrics, Ratios and Statistics

AXA SA

FRA:AXA (4/10/2026, 7:00:00 PM)

41.11

-0.32 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-26
Earnings (Next)07-30
Inst Owners38.26%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap85.95B
Revenue(TTM)N/A
Net Income(TTM)7.61B
Analysts82.67
Price Target46 (11.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.11%
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.96%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.17%
Valuation
Industry RankSector Rank
PE 10.65
Fwd PE 9.64
P/S 0.96
P/FCF 4.11
P/OCF 4.02
P/B 1.89
P/tB 3.57
EV/EBITDA N/A
EPS(TTM)3.86
EY9.39%
EPS(NY)4.26
Fwd EY10.37%
FCF(TTM)10.01
FCFY24.35%
OCF(TTM)10.24
OCFY24.9%
SpS42.7
BVpS21.76
TBVpS11.53
PEG (NY)1.02
PEG (5Y)0.6
Graham Number43.47
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 16.72%
ROCE 1.62%
ROIC 1.28%
ROICexc 1.33%
ROICexgc 1.74%
OM 11.47%
PM (TTM) 8.52%
GM N/A
FCFM 23.44%
ROA(3y)1.09%
ROA(5y)0.91%
ROE(3y)14.54%
ROE(5y)11.55%
ROIC(3y)1.29%
ROIC(5y)1.11%
ROICexc(3y)1.34%
ROICexc(5y)1.16%
ROICexgc(3y)1.75%
ROICexgc(5y)1.48%
ROCE(3y)1.62%
ROCE(5y)1.41%
ROICexgc growth 3Y10.47%
ROICexgc growth 5Y16.55%
ROICexc growth 3Y8.69%
ROICexc growth 5Y14.36%
OM growth 3Y15.12%
OM growth 5Y20.23%
PM growth 3Y14.87%
PM growth 5Y26.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 1.41
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.53%
Interest Coverage 1.98
Cash Conversion N/A
Profit Quality 275.1%
Current Ratio 0.82
Quick Ratio 0.82
Altman-Z 0.35
F-Score7
WACC10.69%
ROIC/WACC0.12
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)0.4%
Profit Quality(3y)104.89%
Profit Quality(5y)238.88%
High Growth Momentum
Growth
EPS 1Y (TTM)7.52%
EPS 3Y7.81%
EPS 5Y17.68%
EPS Q2Q%6.4%
EPS Next Y10.45%
EPS Next 2Y8.72%
EPS Next 3Y8.29%
EPS Next 5Y6.68%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.13%
Revenue Next Year4.11%
Revenue Next 2Y5.62%
Revenue Next 3Y3.51%
Revenue Next 5Y8.16%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year26.98%
EBIT Next 3Y11.06%
EBIT Next 5Y9.48%
FCF growth 1Y150.74%
FCF growth 3Y7.74%
FCF growth 5Y9.94%
OCF growth 1Y145.39%
OCF growth 3Y7.85%
OCF growth 5Y9.48%

AXA SA / AXA.DE Fundamental Analysis FAQ

What is the ChartMill fundamental rating of AXA SA (AXA.DE) stock?

ChartMill assigns a fundamental rating of 5 / 10 to AXA.DE.


What is the valuation status of AXA SA (AXA.DE) stock?

ChartMill assigns a valuation rating of 6 / 10 to AXA SA (AXA.DE). This can be considered as Fairly Valued.


How profitable is AXA SA (AXA.DE) stock?

AXA SA (AXA.DE) has a profitability rating of 4 / 10.


What is the expected EPS growth for AXA SA (AXA.DE) stock?

The Earnings per Share (EPS) of AXA SA (AXA.DE) is expected to grow by 10.45% in the next year.


How sustainable is the dividend of AXA SA (AXA.DE) stock?

The dividend rating of AXA SA (AXA.DE) is 6 / 10 and the dividend payout ratio is 61.79%.