SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:GLE - FR0000130809 - Common Stock
64.34 EUR
+0.76 (+1.2%)
We assign a fundamental rating of 3 out of 10 to GLE. GLE was compared to 106 industry peers in the Banks industry. Both the profitability and financial health of GLE have multiple concerns. GLE has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GLE had positive earnings in the past year.
GLE had a negative operating cash flow in the past year.
Of the past 5 years GLE 4 years were profitable.
GLE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of GLE (0.47%) is worse than 69.81% of its industry peers.
The Return On Equity of GLE (10.75%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROIC | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of GLE (9.37%) is worse than 87.74% 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) | 9.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
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.
GLE has less shares outstanding than it did 5 years ago.
GLE has a worse debt/assets ratio than last year.
2.2 Solvency
GLE has a Debt/Equity ratio of 1.09. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 1.09, GLE is doing good in the industry, outperforming 70.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.58%, which is quite impressive.
Measured over the past 5 years, GLE shows a small growth in Earnings Per Share. The EPS has been growing by 7.46% on average per year.
The Revenue has grown by 14.46% in the past year. This is quite good.
GLE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.58% yearly.
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
3.2 Future
The Earnings Per Share is expected to grow by 8.91% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y48.27%
EPS Next 2Y30.81%
EPS Next 3Y26.07%
EPS Next 5Y8.91%
Revenue Next Year2.25%
Revenue Next 2Y2.41%
Revenue Next 3Y2.76%
Revenue Next 5Y3.02%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.29, the valuation of GLE can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of GLE indicates a somewhat cheap valuation: GLE is cheaper than 64.15% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.55. GLE is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.60, the valuation of GLE can be described as reasonable.
Based on the Price/Forward Earnings ratio, GLE is valued cheaper than 87.74% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.78. GLE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.6 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
A more expensive valuation may be justified as GLE's earnings are expected to grow with 26.07% in the coming years.
PEG (NY)0.21
PEG (5Y)1.38
EPS Next 2Y30.81%
EPS Next 3Y26.07%
5. Dividend
5.1 Amount
No dividends for GLE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:GLE (12/15/2025, 7:00:00 PM)
64.34
+0.76 (+1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners46.54%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap49.34B
Revenue(TTM)63.28B
Net Income(TTM)7.34B
Analysts80
Price Target64.6 (0.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.9
Dividend Growth(5Y)-16.46%
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.91%
Min EPS beat(2)13.7%
Max EPS beat(2)16.12%
EPS beat(4)4
Avg EPS beat(4)13.05%
Min EPS beat(4)8.57%
Max EPS beat(4)16.12%
EPS beat(8)5
Avg EPS beat(8)-0.08%
EPS beat(12)8
Avg EPS beat(12)8.46%
EPS beat(16)12
Avg EPS beat(16)28.39%
Revenue beat(2)2
Avg Revenue beat(2)0.55%
Min Revenue beat(2)0.31%
Max Revenue beat(2)0.78%
Revenue beat(4)4
Avg Revenue beat(4)1.5%
Min Revenue beat(4)0.31%
Max Revenue beat(4)2.8%
Revenue beat(8)6
Avg Revenue beat(8)0.42%
Revenue beat(12)8
Avg Revenue beat(12)21.24%
Revenue beat(16)12
Avg Revenue beat(16)49.84%
PT rev (1m)2.74%
PT rev (3m)3.87%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.39%
EPS NY rev (1m)2.95%
EPS NY rev (3m)4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.6 | ||
| P/S | 0.63 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.72 | ||
| P/tB | 0.78 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.25
EY9.71%
EPS(NY)7.48
Fwd EY11.62%
FCF(TTM)-61.1
FCFYN/A
OCF(TTM)-47.95
OCFYN/A
SpS102.16
BVpS89.05
TBVpS82.42
PEG (NY)0.21
PEG (5Y)1.38
Graham Number111.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.47% | ||
| ROE | 10.75% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.37% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.14%
ROA(5y)0.14%
ROE(3y)3.14%
ROE(5y)3.15%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.74%
PM growth 5Y-3.66%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.98% | ||
| Cap/Sales | 12.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC5.6%
ROIC/WACCN/A
Cap/Depr(3y)148.86%
Cap/Depr(5y)134.31%
Cap/Sales(3y)21.21%
Cap/Sales(5y)19.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.58%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%19.21%
EPS Next Y48.27%
EPS Next 2Y30.81%
EPS Next 3Y26.07%
EPS Next 5Y8.91%
Revenue 1Y (TTM)14.46%
Revenue growth 3Y15.81%
Revenue growth 5Y10.58%
Sales Q2Q%-2.66%
Revenue Next Year2.25%
Revenue Next 2Y2.41%
Revenue Next 3Y2.76%
Revenue Next 5Y3.02%
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-201.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-167.82%
OCF growth 3YN/A
OCF growth 5YN/A
SOCIETE GENERALE SA / GLE.PA FAQ
What is the ChartMill fundamental rating of SOCIETE GENERALE SA (GLE.PA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to GLE.PA.
What is the valuation status of SOCIETE GENERALE SA (GLE.PA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SOCIETE GENERALE SA (GLE.PA). This can be considered as Fairly Valued.
How profitable is SOCIETE GENERALE SA (GLE.PA) stock?
SOCIETE GENERALE SA (GLE.PA) has a profitability rating of 2 / 10.
What is the earnings growth outlook for SOCIETE GENERALE SA?
The Earnings per Share (EPS) of SOCIETE GENERALE SA (GLE.PA) is expected to grow by 48.27% in the next year.