AXA SA (CS.PA) Stock Fundamental Analysis
Europe - EPA:CS - FR0000120628 - Common Stock
38.14 EUR
+0.36 (+0.95%)
Taking everything into account, CS scores 5 out of 10 in our fundamental rating. CS was compared to 40 industry peers in the Insurance industry. Both the profitability and the financial health of CS get a neutral evaluation. Nothing too spectacular is happening here. CS has a decent growth rate and is not valued too expensively. CS also has an excellent dividend rating. These ratings would make CS suitable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year CS was profitable.
In the past year CS had a positive cash flow from operations.
Each year in the past 5 years CS has been profitable.
CS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CS has a Return On Assets (1.18%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 16.72%, CS is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
CS's Return On Invested Capital of 1.28% is in line compared to the rest of the industry. CS outperforms 60.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CS is in line with the industry average of 2.35%.
| 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
Looking at the Profit Margin, with a value of 8.52%, CS is in line with its industry, outperforming 50.00% of the companies in the same industry.
CS's Profit Margin has improved in the last couple of years.
The Operating Margin of CS (11.47%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CS 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
CS 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 CS has been reduced compared to 1 year ago.
CS has less shares outstanding than it did 5 years ago.
CS has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.35, we must say that CS is in the distress zone and has some risk of bankruptcy.
CS has a Altman-Z score of 0.35. This is amongst the best in the industry. CS outperforms 90.00% of its industry peers.
The Debt to FCF ratio of CS is 1.41, which is an excellent value as it means it would take CS, only 1.41 years of fcf income to pay off all of its debts.
CS has a Debt to FCF ratio of 1.41. This is amongst the best in the industry. CS outperforms 82.50% of its industry peers.
CS has a Debt/Equity ratio of 0.65. This is a neutral value indicating CS is somewhat dependend on debt financing.
CS 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 CS, 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
WACC10.86%
2.3 Liquidity
CS has a Current Ratio of 0.82. This is a bad value and indicates that CS is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Current ratio value of 0.82, CS belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
A Quick Ratio of 0.82 indicates that CS may have some problems paying its short term obligations.
CS's Quick ratio of 0.82 is amongst the best of the industry. CS outperforms 87.50% 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.
Looking at the last year, CS shows a small growth in Revenue. The Revenue has grown by 4.40% in the last year.
The Revenue has been decreasing by -8.16% on average over the past years.
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
The Earnings Per Share is expected to grow by 6.71% on average over the next years.
The Revenue is expected to grow by 8.53% on average over the next years. This is quite good.
EPS Next Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
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
A Price/Earnings ratio of 10.17 indicates a reasonable valuation of CS.
Based on the Price/Earnings ratio, CS is valued cheaper than 82.50% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. CS is valued rather cheaply when compared to this.
CS is valuated reasonably with a Price/Forward Earnings ratio of 8.92.
77.50% of the companies in the same industry are more expensive than CS, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CS to the average of the S&P500 Index (34.46), we can say CS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.92 |
4.2 Price Multiples
CS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CS is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)0.56
EPS Next 2Y9.15%
EPS Next 3Y8.43%
5. Dividend
5.1 Amount
CS has a Yearly Dividend Yield of 5.58%, which is a nice return.
Compared to an average industry Dividend Yield of 4.50, CS pays a better dividend. On top of this CS pays more dividend than 82.50% of the companies listed in the same industry.
CS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
5.2 History
On average, the dividend of CS grows each year by 8.12%, which is quite nice.
Dividend Growth(5Y)8.12%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
CS pays out 61.79% of its income as dividend. This is not a sustainable payout ratio.
The dividend of CS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.79%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPA:CS (11/21/2025, 7:00:00 PM)
38.14
+0.36 (+0.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners40.83%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap82.70B
Revenue(TTM)89.27B
Net Income(TTM)7.61B
Analysts82.96
Price Target45.46 (19.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.58% |
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)-0.64%
PT rev (3m)0.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.07%
EPS NY rev (3m)0.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)2.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.17 | ||
| Fwd PE | 8.92 | ||
| P/S | 0.93 | ||
| P/FCF | 3.95 | ||
| P/OCF | 3.86 | ||
| P/B | 1.82 | ||
| P/tB | 3.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.75
EY9.83%
EPS(NY)4.28
Fwd EY11.21%
FCF(TTM)9.65
FCFY25.31%
OCF(TTM)9.87
OCFY25.88%
SpS41.17
BVpS20.98
TBVpS11.12
PEG (NY)0.83
PEG (5Y)0.56
Graham Number42.07
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
WACC10.86%
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 Y12.18%
EPS Next 2Y9.15%
EPS Next 3Y8.43%
EPS Next 5Y6.71%
Revenue 1Y (TTM)4.4%
Revenue growth 3Y-10.62%
Revenue growth 5Y-8.16%
Sales Q2Q%3.72%
Revenue Next Year9.21%
Revenue Next 2Y7.1%
Revenue Next 3Y6.95%
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 / CS.PA FAQ
What is the ChartMill fundamental rating of AXA SA (CS.PA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to CS.PA.
What is the valuation status for CS stock?
ChartMill assigns a valuation rating of 6 / 10 to AXA SA (CS.PA). This can be considered as Fairly Valued.
How profitable is AXA SA (CS.PA) stock?
AXA SA (CS.PA) has a profitability rating of 5 / 10.
What is the earnings growth outlook for AXA SA?
The Earnings per Share (EPS) of AXA SA (CS.PA) is expected to grow by 12.18% in the next year.
Is the dividend of AXA SA sustainable?
The dividend rating of AXA SA (CS.PA) is 7 / 10 and the dividend payout ratio is 61.79%.