AXA SA (AXA.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:AXA - FR0000120628 - Common Stock
40 EUR
-0.32 (-0.79%)
We assign a fundamental rating of 5 out of 10 to AXA. AXA was compared to 49 industry peers in the Insurance industry. Both the profitability and the financial health of AXA get a neutral evaluation. Nothing too spectacular is happening here. AXA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year AXA was profitable.
AXA had a positive operating cash flow in the past year.
AXA had positive earnings in each of the past 5 years.
AXA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.18%, AXA is in line with its industry, outperforming 42.86% of the companies in the same industry.
AXA has a better Return On Equity (16.72%) than 65.31% 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 55.10% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for AXA is in line with the industry average of 2.69%.
| Industry Rank | Sector 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%
1.3 Margins
With a Profit Margin value of 8.52%, AXA perfoms like the industry average, outperforming 44.90% of the companies in the same industry.
In the last couple of years the Profit Margin of AXA has grown nicely.
Looking at the Operating Margin, with a value of 11.47%, AXA is in line with its industry, outperforming 46.94% of the companies in the same industry.
In the last couple of years the Operating Margin of AXA has grown nicely.
| Industry Rank | Sector 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
2. Health
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.
The number of shares outstanding for AXA has been reduced compared to 1 year ago.
AXA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, AXA has a worse debt to assets ratio.
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.
AXA has a better Altman-Z score (0.35) than 87.76% of its industry peers.
The Debt to FCF ratio of AXA is 1.41, which is an excellent value as it means it would take AXA, only 1.41 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of AXA (1.41) is better than 75.51% of its industry peers.
AXA has a Debt/Equity ratio of 0.65. This is a neutral value indicating AXA is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.65, AXA perfoms like the industry average, outperforming 42.86% of the companies in the same 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 1.41 | ||
| Altman-Z | 0.35 |
ROIC/WACC0.12
WACC10.73%
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 85.71% 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.
AXA's Quick ratio of 0.82 is amongst the best of the industry. AXA outperforms 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.70% over the past year.
The Earnings Per Share has been growing by 18.09% on average over the past years. This is quite good.
AXA shows a small growth in Revenue. In the last year, the Revenue has grown by 4.40%.
AXA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -8.16% yearly.
EPS 1Y (TTM)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
3.2 Future
Based on estimates for the next years, AXA will show a small growth in Earnings Per Share. The EPS will grow by 6.92% on average per year.
AXA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.53% yearly.
EPS Next Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.92%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.67, which indicates a very decent valuation of AXA.
Compared to the rest of the industry, the Price/Earnings ratio of AXA indicates a rather cheap valuation: AXA is cheaper than 83.67% of the companies listed in the same industry.
AXA is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
AXA is valuated reasonably with a Price/Forward Earnings ratio of 9.36.
79.59% of the companies in the same industry are more expensive than AXA, based on the Price/Forward Earnings ratio.
AXA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 9.36 |
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 89.80% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AXA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.86
PEG (5Y)0.59
EPS Next 2Y9.09%
EPS Next 3Y8.52%
5. Dividend
5.1 Amount
AXA has a Yearly Dividend Yield of 5.25%, which is a nice return.
Compared to an average industry Dividend Yield of 4.08, AXA pays a bit more dividend than its industry peers.
AXA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
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 Years4
Div Non Decr Years4
5.3 Sustainability
61.79% of the earnings are spent on dividend by AXA. 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 2Y9.09%
EPS Next 3Y8.52%
FRA:AXA (1/9/2026, 7:00:00 PM)
40
-0.32 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.46%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap84.95B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.56 (13.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.25% |
Yearly Dividend2.02
Dividend Growth(5Y)8.12%
DP61.79%
Div Incr Years4
Div Non Decr Years4
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)0.45%
PT rev (3m)-0.51%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.45%
EPS NY rev (3m)-1.82%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 9.36 | ||
| P/S | 0.95 | ||
| P/FCF | 4.06 | ||
| P/OCF | 3.97 | ||
| P/B | 1.87 | ||
| P/tB | 3.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.38%
EPS(NY)4.27
Fwd EY10.68%
FCF(TTM)9.85
FCFY24.64%
OCF(TTM)10.08
OCFY25.19%
SpS42.04
BVpS21.42
TBVpS11.35
PEG (NY)0.86
PEG (5Y)0.59
Graham Number42.51
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC10.73%
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)8.7%
EPS 3Y9.29%
EPS 5Y18.09%
EPS Q2Q%8.56%
EPS Next Y12.47%
EPS Next 2Y9.09%
EPS Next 3Y8.52%
EPS Next 5Y6.92%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.09%
Revenue Next 2Y6.99%
Revenue Next 3Y6.85%
Revenue Next 5Y8.53%
EBIT growth 1Y7.05%
EBIT growth 3Y2.9%
EBIT growth 5Y10.41%
EBIT Next Year25.92%
EBIT Next 3Y11.14%
EBIT Next 5YN/A
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 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.
What is the profitability of AXA stock?
AXA SA (AXA.DE) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for AXA stock?
The Price/Earnings (PE) ratio for AXA SA (AXA.DE) is 10.67 and the Price/Book (PB) ratio is 1.87.
Can you provide the dividend sustainability for AXA stock?
The dividend rating of AXA SA (AXA.DE) is 6 / 10 and the dividend payout ratio is 61.79%.