SOCIETE BIC SA (BB.PA) Stock Fundamental Analysis
Europe - EPA:BB - FR0000120966 - Common Stock
53.6 EUR
+0.2 (+0.37%)
BB gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 40 industry peers in the Commercial Services & Supplies industry. Both the health and profitability get an excellent rating, making BB a very profitable company, without any liquidiy or solvency issues. BB is valued quite cheap, but it does not seem to be growing. These ratings could make BB a good candidate for value investing.
1. Profitability
1.1 Basic Checks
In the past year BB was profitable.
In the past year BB had a positive cash flow from operations.
Each year in the past 5 years BB has been profitable.
Each year in the past 5 years BB had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.75%, BB belongs to the top of the industry, outperforming 92.50% of the companies in the same industry.
BB has a Return On Equity of 12.63%. This is in the better half of the industry: BB outperforms 80.00% of its industry peers.
The Return On Invested Capital of BB (10.68%) is better than 92.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for BB is above the industry average of 7.18%.
The 3 year average ROIC (10.53%) for BB is below the current ROIC(10.68%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.75% | ||
| ROE | 12.63% | ||
| ROIC | 10.68% |
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
With an excellent Profit Margin value of 9.65%, BB belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
In the last couple of years the Profit Margin of BB has remained more or less at the same level.
BB has a better Operating Margin (14.62%) than 90.00% of its industry peers.
BB's Operating Margin has declined in the last couple of years.
The Gross Margin of BB (50.20%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of BB has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.62% | ||
| PM (TTM) | 9.65% | ||
| GM | 50.2% |
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), BB is creating some value.
Compared to 1 year ago, BB has less shares outstanding
The number of shares outstanding for BB has been reduced compared to 5 years ago.
Compared to 1 year ago, BB has a worse debt to assets ratio.
2.2 Solvency
BB has an Altman-Z score of 3.67. This indicates that BB is financially healthy and has little risk of bankruptcy at the moment.
BB's Altman-Z score of 3.67 is amongst the best of the industry. BB outperforms 95.00% of its industry peers.
The Debt to FCF ratio of BB is 1.66, which is an excellent value as it means it would take BB, only 1.66 years of fcf income to pay off all of its debts.
BB's Debt to FCF ratio of 1.66 is amongst the best of the industry. BB outperforms 87.50% of its industry peers.
BB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
BB has a Debt to Equity ratio of 0.18. This is amongst the best in the industry. BB outperforms 85.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.66 | ||
| Altman-Z | 3.67 |
ROIC/WACC1.43
WACC7.45%
2.3 Liquidity
BB has a Current Ratio of 2.13. This indicates that BB is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of BB (2.13) is better than 82.50% of its industry peers.
BB has a Quick Ratio of 1.38. 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 better Quick ratio (1.38) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.13 | ||
| Quick Ratio | 1.38 |
3. Growth
3.1 Past
BB shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.87%.
Measured over the past 5 years, BB shows a small growth in Earnings Per Share. The EPS has been growing by 5.19% on average per year.
The Revenue has decreased by -2.95% in the past year.
BB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.42% yearly.
EPS 1Y (TTM)-3.87%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-30.49%
Revenue 1Y (TTM)-2.95%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-5.5%
3.2 Future
The Earnings Per Share is expected to grow by 1.71% on average over the next years.
The Revenue is expected to grow by 4.02% on average over the next years.
EPS Next Y-4.93%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPS Next 5Y1.71%
Revenue Next Year-2.21%
Revenue Next 2Y-0.13%
Revenue Next 3Y0.66%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.63 indicates a reasonable 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 87.50% of the companies listed in the same industry.
BB is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.05, the valuation of BB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BB indicates a rather cheap valuation: BB is cheaper than 90.00% of the companies listed in the same industry.
BB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.63 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BB is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, BB is valued a bit cheaper than 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.14 | ||
| EV/EBITDA | 4.92 |
4.3 Compensation for Growth
The excellent profitability rating of BB may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.05
EPS Next 2Y0.05%
EPS Next 3Y1.44%
5. Dividend
5.1 Amount
BB has a Yearly Dividend Yield of 5.81%, which is a nice return.
Compared to an average industry Dividend Yield of 4.32, BB pays a better dividend. On top of this BB pays more dividend than 90.00% of the companies listed in the same industry.
BB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
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 87.64% of its income as dividend. This is not a sustainable payout ratio.
BB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP87.64%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPA:BB (9/18/2025, 1:38:00 PM)
53.6
+0.2 (+0.37%)
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 Cap2.23B
Analysts80
Price Target64.26 (19.89%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.81% |
Yearly Dividend4.29
Dividend Growth(5Y)4.53%
DP87.64%
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)0.23%
PT rev (3m)-2.43%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-7.57%
EPS NY rev (3m)-7.57%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)-1.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.63 | ||
| Fwd PE | 9.05 | ||
| P/S | 1.02 | ||
| P/FCF | 10.14 | ||
| P/OCF | 7.2 | ||
| P/B | 1.33 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | 4.92 |
EPS(TTM)5.04
EY9.4%
EPS(NY)5.92
Fwd EY11.04%
FCF(TTM)5.29
FCFY9.87%
OCF(TTM)7.44
OCFY13.88%
SpS52.78
BVpS40.34
TBVpS28.17
PEG (NY)N/A
PEG (5Y)2.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.75% | ||
| ROE | 12.63% | ||
| ROCE | 15.8% | ||
| ROIC | 10.68% | ||
| ROICexc | 12.5% | ||
| ROICexgc | 17.23% | ||
| OM | 14.62% | ||
| PM (TTM) | 9.65% | ||
| GM | 50.2% | ||
| FCFM | 10.02% |
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 Turnover0.8
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.66 | ||
| Debt/EBITDA | 0.69 | ||
| Cap/Depr | 77.94% | ||
| Cap/Sales | 4.08% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.03% | ||
| Profit Quality | 103.81% | ||
| Current Ratio | 2.13 | ||
| Quick Ratio | 1.38 | ||
| Altman-Z | 3.67 |
F-Score4
WACC7.45%
ROIC/WACC1.43
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)-3.87%
EPS 3Y-10.36%
EPS 5Y5.19%
EPS Q2Q%-30.49%
EPS Next Y-4.93%
EPS Next 2Y0.05%
EPS Next 3Y1.44%
EPS Next 5Y1.71%
Revenue 1Y (TTM)-2.95%
Revenue growth 3Y6.24%
Revenue growth 5Y2.42%
Sales Q2Q%-5.5%
Revenue Next Year-2.21%
Revenue Next 2Y-0.13%
Revenue Next 3Y0.66%
Revenue Next 5Y4.02%
EBIT growth 1Y-2.6%
EBIT growth 3Y5.11%
EBIT growth 5Y-0.7%
EBIT Next Year31.67%
EBIT Next 3Y11.78%
EBIT Next 5Y10.22%
FCF growth 1Y19.73%
FCF growth 3Y9.57%
FCF growth 5Y4.88%
OCF growth 1Y9.65%
OCF growth 3Y8.44%
OCF growth 5Y2.37%