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SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis

EPA:BB - Euronext Paris - Matif - FR0000120966 - Common Stock - Currency: EUR

52.1  +0.7 (+1.36%)

Fundamental Rating

7

BB gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 39 industry peers in the Commercial Services & Supplies industry. BB gets an excellent profitability rating and is at the same time showing great financial health properties. BB is cheap, but on the other hand it scores bad on growth. Finally BB also has an excellent dividend rating. These ratings would make BB suitable for value and dividend investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

BB had positive earnings in the past year.
BB had a positive operating cash flow in the past year.
BB had positive earnings in each of the past 5 years.
BB had a positive operating cash flow in each of the past 5 years.
BB.PA Yearly Net Income VS EBIT VS OCF VS FCFBB.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

The Return On Assets of BB (11.28%) is better than 97.44% of its industry peers.
Looking at the Return On Equity, with a value of 17.83%, BB belongs to the top of the industry, outperforming 87.18% of the companies in the same industry.
With an excellent Return On Invested Capital value of 15.23%, BB belongs to the best of the industry, outperforming 97.44% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for BB is above the industry average of 7.40%.
The 3 year average ROIC (10.53%) for BB is below the current ROIC(15.23%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 11.28%
ROE 17.83%
ROIC 15.23%
ROA(3y)7.94%
ROA(5y)8.14%
ROE(3y)11.76%
ROE(5y)11.99%
ROIC(3y)10.53%
ROIC(5y)9.82%
BB.PA Yearly ROA, ROE, ROICBB.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BB has a Profit Margin of 9.82%. This is amongst the best in the industry. BB outperforms 89.74% of its industry peers.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
The Operating Margin of BB (14.66%) is better than 94.87% of its industry peers.
In the last couple of years the Operating Margin of BB has declined.
BB has a Gross Margin of 50.47%. This is comparable to the rest of the industry: BB outperforms 51.28% of its industry peers.
In the last couple of years the Gross Margin of BB has remained more or less at the same level.
Industry RankSector Rank
OM 14.66%
PM (TTM) 9.82%
GM 50.47%
OM growth 3Y-1.06%
OM growth 5Y-3.04%
PM growth 3Y-17.44%
PM growth 5Y1.33%
GM growth 3Y-0.4%
GM growth 5Y0.02%
BB.PA Yearly Profit, Operating, Gross MarginsBB.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

8

2. Health

2.1 Basic Checks

BB has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, BB has less shares outstanding
Compared to 5 years ago, BB has less shares outstanding
The debt/assets ratio for BB is higher compared to a year ago.
BB.PA Yearly Shares OutstandingBB.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
BB.PA Yearly Total Debt VS Total AssetsBB.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

BB has an Altman-Z score of 4.23. This indicates that BB is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of BB (4.23) is better than 97.44% of its industry peers.
The Debt to FCF ratio of BB is 1.24, which is an excellent value as it means it would take BB, only 1.24 years of fcf income to pay off all of its debts.
BB has a Debt to FCF ratio of 1.24. This is amongst the best in the industry. BB outperforms 87.18% of its industry peers.
A Debt/Equity ratio of 0.15 indicates that BB is not too dependend on debt financing.
BB's Debt to Equity ratio of 0.15 is amongst the best of the industry. BB outperforms 87.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.24
Altman-Z 4.23
ROIC/WACC2.04
WACC7.45%
BB.PA Yearly LT Debt VS Equity VS FCFBB.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

BB has a Current Ratio of 2.21. This indicates that BB is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 2.21, BB is doing good in the industry, outperforming 79.49% of the companies in the same industry.
BB has a Quick Ratio of 1.42. This is a normal value and indicates that BB is financially healthy and should not expect problems in meeting its short term obligations.
BB has a Quick ratio of 1.42. This is in the better half of the industry: BB outperforms 76.92% of its industry peers.
Industry RankSector Rank
Current Ratio 2.21
Quick Ratio 1.42
BB.PA Yearly Current Assets VS Current LiabilitesBB.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

3

3. Growth

3.1 Past

BB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.29%.
The Earnings Per Share has been growing slightly by 5.19% on average over the past years.
Looking at the last year, BB shows a decrease in Revenue. The Revenue has decreased by -3.10% in the last year.
Measured over the past years, BB shows a small growth in Revenue. The Revenue has been growing by 2.42% on average per year.
EPS 1Y (TTM)-2.29%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-2.51%
Revenue 1Y (TTM)-3.1%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-2.69%

3.2 Future

BB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.71% yearly.
BB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.02% yearly.
EPS Next Y2.86%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
EPS Next 5Y0.71%
Revenue Next Year-0.35%
Revenue Next 2Y1.14%
Revenue Next 3Y1.82%
Revenue Next 5Y4.02%

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.
BB.PA Yearly Revenue VS EstimatesBB.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B 2.5B
BB.PA Yearly EPS VS EstimatesBB.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.84, which indicates a rather cheap valuation of BB.
Compared to the rest of the industry, the Price/Earnings ratio of BB indicates a rather cheap valuation: BB is cheaper than 89.74% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.29, BB is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.57, the valuation of BB can be described as very reasonable.
87.18% of the companies in the same industry are more expensive than BB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.74, BB is valued rather cheaply.
Industry RankSector Rank
PE 6.84
Fwd PE 8.57
BB.PA Price Earnings VS Forward Price EarningsBB.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

BB's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BB is cheaper than 94.87% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, BB is valued a bit cheaper than 71.79% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.01
EV/EBITDA 3.22
BB.PA Per share dataBB.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BB does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of BB may justify a higher PE ratio.
PEG (NY)2.39
PEG (5Y)1.32
EPS Next 2Y3.81%
EPS Next 3Y3.69%

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.71%, BB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.32, BB pays a better dividend. On top of this BB pays more dividend than 89.74% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, BB pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.71%

5.2 History

The dividend of BB has a limited annual growth rate of 4.53%.
Dividend Growth(5Y)4.53%
Div Incr Years3
Div Non Decr Years3
BB.PA Yearly Dividends per shareBB.PA Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

5.3 Sustainability

BB pays out 55.64% of its income as dividend. This is a bit on the high side, but may be sustainable.
BB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP55.64%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
BB.PA Yearly Income VS Free CF VS DividendBB.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
BB.PA Dividend Payout.BB.PA Dividend Payout, showing the Payout Ratio.BB.PA Dividend Payout.PayoutRetained Earnings

SOCIETE BIC SA

EPA:BB (7/8/2025, 10:01:58 AM)

52.1

+0.7 (+1.36%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)04-23 2025-04-23
Earnings (Next)07-30 2025-07-30
Inst Owners24.75%
Inst Owner ChangeN/A
Ins Owners7.23%
Ins Owner ChangeN/A
Market Cap2.17B
Analysts80
Price Target65.86 (26.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.71%
Yearly Dividend4.29
Dividend Growth(5Y)4.53%
DP55.64%
Div Incr Years3
Div Non Decr Years3
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)-12.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.3%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5.44%
Valuation
Industry RankSector Rank
PE 6.84
Fwd PE 8.57
P/S 0.67
P/FCF 8.01
P/OCF 6.06
P/B 1.21
P/tB 1.75
EV/EBITDA 3.22
EPS(TTM)7.62
EY14.63%
EPS(NY)6.08
Fwd EY11.67%
FCF(TTM)6.5
FCFY12.48%
OCF(TTM)8.59
OCFY16.5%
SpS78.28
BVpS43.09
TBVpS29.7
PEG (NY)2.39
PEG (5Y)1.32
Profitability
Industry RankSector Rank
ROA 11.28%
ROE 17.83%
ROCE 22.21%
ROIC 15.23%
ROICexc 19.14%
ROICexgc 27.77%
OM 14.66%
PM (TTM) 9.82%
GM 50.47%
FCFM 8.31%
ROA(3y)7.94%
ROA(5y)8.14%
ROE(3y)11.76%
ROE(5y)11.99%
ROIC(3y)10.53%
ROIC(5y)9.82%
ROICexc(3y)11.97%
ROICexc(5y)11.57%
ROICexgc(3y)15.7%
ROICexgc(5y)14.97%
ROCE(3y)15.19%
ROCE(5y)14.18%
ROICexcg growth 3Y-6.4%
ROICexcg growth 5Y-3.15%
ROICexc growth 3Y-7.82%
ROICexc growth 5Y-5.55%
OM growth 3Y-1.06%
OM growth 5Y-3.04%
PM growth 3Y-17.44%
PM growth 5Y1.33%
GM growth 3Y-0.4%
GM growth 5Y0.02%
F-Score4
Asset Turnover1.15
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.24
Debt/EBITDA 0.45
Cap/Depr 75.57%
Cap/Sales 2.67%
Interest Coverage 39.46
Cash Conversion 60.34%
Profit Quality 84.61%
Current Ratio 2.21
Quick Ratio 1.42
Altman-Z 4.23
F-Score4
WACC7.45%
ROIC/WACC2.04
Cap/Depr(3y)81.53%
Cap/Depr(5y)76.75%
Cap/Sales(3y)4.3%
Cap/Sales(5y)4.42%
Profit Quality(3y)111.65%
Profit Quality(5y)138.67%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.29%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-2.51%
EPS Next Y2.86%
EPS Next 2Y3.81%
EPS Next 3Y3.69%
EPS Next 5Y0.71%
Revenue 1Y (TTM)-3.1%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-2.69%
Revenue Next Year-0.35%
Revenue Next 2Y1.14%
Revenue Next 3Y1.82%
Revenue Next 5Y4.02%
EBIT growth 1Y-1.15%
EBIT growth 3Y5.11%
EBIT growth 5Y-0.7%
EBIT Next Year31.67%
EBIT Next 3Y11.78%
EBIT Next 5Y10.22%
FCF growth 1Y8.8%
FCF growth 3Y9.57%
FCF growth 5Y4.88%
OCF growth 1Y1.25%
OCF growth 3Y8.44%
OCF growth 5Y2.37%