SOCIETE GENERALE SA (GLE.PA)
FR0000130809 - Common Stock
Taking everything into account, GLE scores 3 out of 10 in our fundamental rating. 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.
GLE had a positive operating cash flow in the past year.
GLE had positive earnings in 4 of the past 5 years.
GLE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GLE has a worse Return On Assets (0.15%) than 95.24% of its industry peers.
Looking at the Return On Equity, with a value of 3.63%, GLE is doing worse than 80.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.15% | ||
| ROE | 3.63% | ||
| 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
GLE's Profit Margin of 4.31% is on the low side compared to the rest of the industry. GLE is outperformed by 96.43% of its industry peers.
GLE's Profit Margin has declined in the last couple of years.
GLE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.31% | ||
| 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.
The number of shares outstanding for GLE remains at a similar level compared to 1 year ago.
GLE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, GLE has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GLE is 4.40, which is a neutral value as it means it would take GLE, 4.40 years of fcf income to pay off all of its debts.
GLE has a Debt to FCF ratio of 4.40. This is amongst the best in the industry. GLE outperforms 89.29% of its industry peers.
A Debt/Equity ratio of 1.01 is on the high side and indicates that GLE has dependencies on debt financing.
GLE has a Debt to Equity ratio of 1.01. This is in the better half of the industry: GLE outperforms 72.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 4.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GLE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.87%.
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)2.87%
EPS 3Y96.51%
EPS 5Y-11.38%
EPS Q2Q%160.34%
Revenue 1Y (TTM)39.16%
Revenue growth 3Y15.97%
Revenue growth 5Y7.85%
Sales Q2Q%10.47%
3.2 Future
The Earnings Per Share is expected to grow by 16.00% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.04% on average over the next years.
EPS Next Y60.17%
EPS Next 2Y39.33%
EPS Next 3Y32.42%
EPS Next 5Y16%
Revenue Next Year4.54%
Revenue Next 2Y2.38%
Revenue Next 3Y2.63%
Revenue Next 5Y3.04%
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
The Price/Earnings ratio is 7.40, which indicates a rather cheap valuation of GLE.
Compared to the rest of the industry, the Price/Earnings ratio of GLE is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.54. GLE is valued rather cheaply when compared to this.
GLE is valuated cheaply with a Price/Forward Earnings ratio of 5.29.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GLE indicates a rather cheap valuation: GLE is cheaper than 96.43% of the companies listed in the same industry.
GLE is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 5.29 |
4.2 Price Multiples
90.48% of the companies in the same industry are more expensive than GLE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.38 | ||
| 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 32.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y39.33%
EPS Next 3Y32.42%
5. Dividend
5.1 Amount
GLE has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 5.51, GLE's dividend is way lower than its industry peers. On top of this 82.14% of the companies listed in the same industry pay a better dividend than GLE!
GLE's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
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 2Y39.33%
EPS Next 3Y32.42%
SOCIETE GENERALE SA
EPA:GLE (12/24/2024, 7:00:00 PM)
26.495
-0.12 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.65%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap21.20B
Analysts75.56
Price Target32.01 (20.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
Dividend Growth(5Y)-22.61%
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.74%
Min EPS beat(2)-3.93%
Max EPS beat(2)9.42%
EPS beat(4)1
Avg EPS beat(4)-13.22%
Min EPS beat(4)-34.49%
Max EPS beat(4)9.42%
EPS beat(8)4
Avg EPS beat(8)6.17%
EPS beat(12)8
Avg EPS beat(12)33.5%
EPS beat(16)12
Avg EPS beat(16)50.44%
Revenue beat(2)2
Avg Revenue beat(2)1.2%
Min Revenue beat(2)0.62%
Max Revenue beat(2)1.79%
Revenue beat(4)2
Avg Revenue beat(4)-0.67%
Min Revenue beat(4)-4.11%
Max Revenue beat(4)1.79%
Revenue beat(8)4
Avg Revenue beat(8)31.11%
Revenue beat(12)8
Avg Revenue beat(12)65.95%
Revenue beat(16)12
Avg Revenue beat(16)78.13%
PT rev (1m)6.02%
PT rev (3m)5.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.13%
EPS NY rev (1m)0%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 5.29 | ||
| P/S | 0.38 | ||
| P/FCF | 1.38 | ||
| P/OCF | 0.75 | ||
| P/B | 0.32 | ||
| P/tB | 0.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.58
EY13.51%
EPS(NY)5.01
Fwd EY18.9%
FCF(TTM)19.13
FCFY72.22%
OCF(TTM)35.3
OCFY133.24%
SpS70.38
BVpS83.5
TBVpS77.17
PEG (NY)0.12
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.15% | ||
| ROE | 3.63% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.31% | ||
| GM | N/A | ||
| FCFM | 27.19% |
ROA(3y)0.18%
ROA(5y)0.13%
ROE(3y)4.08%
ROE(5y)2.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score3
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.01 | ||
| Debt/FCF | 4.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 132.75% | ||
| Cap/Sales | 22.97% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 631.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC4.52%
ROIC/WACCN/A
Cap/Depr(3y)150.67%
Cap/Depr(5y)139.47%
Cap/Sales(3y)20.48%
Cap/Sales(5y)19.21%
Profit Quality(3y)1387.11%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.87%
EPS 3Y96.51%
EPS 5Y-11.38%
EPS Q2Q%160.34%
EPS Next Y60.17%
EPS Next 2Y39.33%
EPS Next 3Y32.42%
EPS Next 5Y16%
Revenue 1Y (TTM)39.16%
Revenue growth 3Y15.97%
Revenue growth 5Y7.85%
Sales Q2Q%10.47%
Revenue Next Year4.54%
Revenue Next 2Y2.38%
Revenue Next 3Y2.63%
Revenue Next 5Y3.04%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-32.2%
FCF growth 3Y-30.21%
FCF growth 5YN/A
OCF growth 1Y-11.96%
OCF growth 3Y-22.62%
OCF growth 5YN/A