SOCIETE GENERALE SA (GLE.PA)
FR0000130809 - Common Stock
We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 89 industry peers in the Banks industry. GLE has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on GLE.
1. Profitability
1.1 Basic Checks
In the past year GLE was profitable.
In the past year GLE had a positive cash flow from operations.
Of the past 5 years GLE 4 years were profitable.
In the past 5 years GLE always reported a positive cash flow from operatings.
1.2 Ratios
GLE has a worse Return On Assets (0.11%) than 97.62% of its industry peers.
GLE has a worse Return On Equity (2.60%) than 91.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 2.6% | ||
| ROIC | N/A |
ROA(3y)0.18%
ROA(5y)0.13%
ROE(3y)4.08%
ROE(5y)2.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 3.14%, GLE is not doing good in the industry: 97.62% of the companies in the same industry are doing better.
GLE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for GLE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.14% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y-18.96%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GLE does not have a ROIC to compare to the WACC, probably because it is not profitable.
GLE has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, GLE has more shares outstanding
The debt/assets ratio for GLE is higher compared to a year ago.
2.2 Solvency
GLE has a debt to FCF ratio of 4.40. This is a neutral value as GLE would need 4.40 years to pay back of all of its debts.
GLE's Debt to FCF ratio of 4.40 is amongst the best of the industry. GLE outperforms 90.48% of its industry peers.
GLE has a Debt/Equity ratio of 1.01. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.01, GLE is in the better half of the industry, outperforming 70.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 4.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GLE have decreased strongly by -41.76% in the last year.
Measured over the past years, GLE shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.38% on average per year.
Looking at the last year, GLE shows a very strong growth in Revenue. The Revenue has grown by 39.16%.
GLE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.85% yearly.
EPS 1Y (TTM)-41.76%
EPS 3Y96.51%
EPS 5Y-11.38%
EPS Q2Q%36.47%
Revenue 1Y (TTM)39.16%
Revenue growth 3Y15.97%
Revenue growth 5Y7.85%
Sales Q2Q%6.33%
3.2 Future
The Earnings Per Share is expected to grow by 16.00% on average over the next years. This is quite good.
GLE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.70% yearly.
EPS Next Y60.15%
EPS Next 2Y40.79%
EPS Next 3Y32.83%
EPS Next 5Y16%
Revenue Next Year4.61%
Revenue Next 2Y2.7%
Revenue Next 3Y2.81%
Revenue Next 5Y2.7%
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.24, the valuation of GLE can be described as very reasonable.
Based on the Price/Earnings ratio, GLE is valued a bit more expensive than the industry average as 61.90% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of GLE to the average of the S&P500 Index (29.62), we can say GLE is valued rather cheaply.
GLE is valuated cheaply with a Price/Forward Earnings ratio of 4.27.
Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 97.62% of the companies are valued more expensively.
GLE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 4.27 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GLE is valued cheaper than 88.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.02 | ||
| 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.
GLE's earnings are expected to grow with 32.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y40.79%
EPS Next 3Y32.83%
5. Dividend
5.1 Amount
GLE has a Yearly Dividend Yield of 4.16%, which is a nice return.
GLE's Dividend Yield is slightly below the industry average, which is at 5.66.
GLE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.24.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
5.2 History
The dividend of GLE decreases each year by -22.61%.
Dividend Growth(5Y)-22.61%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
DPN/A
EPS Next 2Y40.79%
EPS Next 3Y32.83%
SOCIETE GENERALE SA
EPA:GLE (9/6/2024, 7:00:00 PM)
21.825
-0.18 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap15.61B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 4.27 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.14
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.11% | ||
| ROE | 2.6% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 3.14% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-41.76%
EPS 3Y96.51%
EPS 5Y
EPS Q2Q%
EPS Next Y60.15%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)39.16%
Revenue growth 3Y15.97%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y