SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis
EPA:BB - Euronext Paris - Matif - FR0000120966 - Common Stock - Currency: EUR
We assign a fundamental rating of 7 out of 10 to BB. BB was compared to 43 industry peers in the Commercial Services & Supplies industry. BB scores excellent points on both the profitability and health parts. This is a solid base for a good stock. BB is cheap, but on the other hand it scores bad on growth. BB also has an excellent dividend rating. These ratings would make BB suitable for value and dividend investing!
1. Profitability
1.1 Basic Checks
In the past year BB was profitable.
BB had a positive operating cash flow in the past year.
Each year in the past 5 years BB has been profitable.
In the past 5 years BB always reported a positive cash flow from operatings.
1.2 Ratios
BB has a Return On Assets of 11.28%. This is amongst the best in the industry. BB outperforms 97.67% of its industry peers.
The Return On Equity of BB (17.83%) is better than 83.72% of its industry peers.
BB's Return On Invested Capital of 15.23% is amongst the best of the industry. BB outperforms 97.67% of its industry peers.
BB had an Average Return On Invested Capital over the past 3 years of 10.53%. This is above the industry average of 7.41%.
The 3 year average ROIC (10.53%) for BB is below the current ROIC(15.23%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
BB's Profit Margin of 9.82% is amongst the best of the industry. BB outperforms 86.05% of its industry peers.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
Looking at the Operating Margin, with a value of 14.66%, BB belongs to the top of the industry, outperforming 90.70% of the companies in the same industry.
In the last couple of years the Operating Margin of BB has declined.
BB has a Gross Margin (50.47%) which is comparable to the rest of the industry.
BB's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
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
BB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BB has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 4.28 indicates that BB is not in any danger for bankruptcy at the moment.
BB has a Altman-Z score of 4.28. This is amongst the best in the industry. BB outperforms 100.00% of its industry peers.
BB has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
BB has a better Debt to FCF ratio (1.24) than 88.37% of its industry peers.
BB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
BB's Debt to Equity ratio of 0.15 is amongst the best of the industry. BB outperforms 88.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | 4.28 |
ROIC/WACC2.04
WACC7.46%
2.3 Liquidity
A Current Ratio of 2.21 indicates that BB has no problem at all paying its short term obligations.
BB has a Current ratio of 2.21. This is amongst the best in the industry. BB outperforms 81.40% of its industry peers.
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 74.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.21 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
The earnings per share for BB have decreased by -2.29% in the last year.
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.
The Revenue has been growing slightly by 2.42% on average over the past years.
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
Based on estimates for the next years, BB will show a small growth in Earnings Per Share. The EPS will grow by 0.71% on average per year.
The Revenue is expected to grow by 4.02% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.98, which indicates a rather cheap valuation of BB.
90.70% of the companies in the same industry are more expensive than BB, based on the Price/Earnings ratio.
BB is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.75 indicates a reasonable valuation of BB.
Based on the Price/Forward Earnings ratio, BB is valued cheaply inside the industry as 86.05% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of BB to the average of the S&P500 Index (21.90), we can say BB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | 8.75 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BB is valued cheaper than 95.35% of the companies in the same industry.
BB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BB is cheaper than 72.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.18 | ||
| EV/EBITDA | 3.35 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of BB may justify a higher PE ratio.
PEG (NY)2.44
PEG (5Y)1.35
EPS Next 2Y3.81%
EPS Next 3Y3.69%
5. Dividend
5.1 Amount
BB has a Yearly Dividend Yield of 5.71%, which is a nice return.
Compared to an average industry Dividend Yield of 4.11, BB pays a better dividend. On top of this BB pays more dividend than 90.70% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, BB pays a better dividend.
| Industry Rank | Sector 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
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%
EPA:BB (7/4/2025, 7:00:00 PM)
53.2
-0.7 (-1.3%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners24.75%
Inst Owner ChangeN/A
Ins Owners7.23%
Ins Owner ChangeN/A
Market Cap2.21B
Analysts80
Price Target65.86 (23.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | 8.75 | ||
| P/S | 0.68 | ||
| P/FCF | 8.18 | ||
| P/OCF | 6.19 | ||
| P/B | 1.23 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | 3.35 |
EPS(TTM)7.62
EY14.32%
EPS(NY)6.08
Fwd EY11.43%
FCF(TTM)6.5
FCFY12.22%
OCF(TTM)8.59
OCFY16.16%
SpS78.28
BVpS43.09
TBVpS29.7
PEG (NY)2.44
PEG (5Y)1.35
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 4.28 |
F-Score4
WACC7.46%
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%