SOCIETE GENERALE SA(EPA:GLE) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, GLE scores 3 out of 10 in our fundamental rating. GLE was compared to 99 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.

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1. Profitability

1.1 Basic Checks

In the past year GLE was profitable.

In the past year GLE has reported a negative cash flow from operations.

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

With a Return On Assets value of 0.33%, GLE is not doing good in the industry: 81.72% of the companies in the same industry are doing better.

The Return On Equity of GLE (7.40%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.33%
ROE	7.4%
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

Looking at the Profit Margin, with a value of 8.91%, GLE is doing worse than 83.87% of the companies in the same industry.

In the last couple of years the Profit Margin of GLE has declined.

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)	8.91%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-23.75%

PM growth 5Y-3.67%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, GLE has less shares outstanding

GLE has a worse debt/assets ratio than last year.

2.2 Solvency

GLE has a Debt/Equity ratio of 2.55. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of GLE (2.55) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.55
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.08%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

GLE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.90%, which is quite impressive.

The Earnings Per Share has been growing slightly by 2.98% on average over the past years.

Looking at the last year, GLE shows a quite strong growth in Revenue. The Revenue has grown by 14.00% in the last year.

GLE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.60% yearly.

EPS 1Y (TTM)36.9%

EPS 3Y-17.76%

EPS 5Y2.98%

EPS Q2Q%-17.78%

Revenue 1Y (TTM)14%

Revenue growth 3Y15.83%

Revenue growth 5Y10.6%

Sales Q2Q%14.44%

3.2 Future

The Earnings Per Share is expected to grow by 11.29% 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 2.23% yearly.

EPS Next Y53.71%

EPS Next 2Y35.87%

EPS Next 3Y29.23%

EPS Next 5Y11.29%

Revenue Next Year0.59%

Revenue Next 2Y1.85%

Revenue Next 3Y2.23%

Revenue Next 5YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.92, the valuation of GLE can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of GLE indicates a slightly more expensive valuation: GLE is more expensive than 74.19% of the companies listed in the same industry.

GLE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

The Price/Forward Earnings ratio is 7.75, which indicates a rather cheap valuation of GLE.

Based on the Price/Forward Earnings ratio, GLE is valued cheaply inside the industry as 89.25% of the companies are valued more expensively.

GLE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.92
Fwd PE	7.75

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 29.23% in the coming years.

PEG (NY)0.22

PEG (5Y)4

EPS Next 2Y35.87%

EPS Next 3Y29.23%

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5. Dividend

5.1 Amount

GLE has a Yearly Dividend Yield of 2.14%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 5.06, GLE's dividend is way lower than its industry peers. On top of this 92.47% of the companies listed in the same industry pay a better dividend than GLE!

GLE's Dividend Yield is comparable with the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	2.14%

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 2Y35.87%

EPS Next 3Y29.23%

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SOCIETE GENERALE SA

EPA:GLE (3/7/2025, 7:00:00 PM)

42.075

+0.06 (+0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-06 2025-02-06/bmo

Earnings (Next)04-30 2025-04-30

Inst Owners42.23%

Inst Owner ChangeN/A

Ins Owners0.01%

Ins Owner ChangeN/A

Market Cap33.67B

Analysts79.26

Price Target41.02 (-2.51%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.14%

Yearly Dividend0.56

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)-31.72%

Min EPS beat(2)-77.26%

Max EPS beat(2)13.83%

EPS beat(4)2

Avg EPS beat(4)-14.49%

Min EPS beat(4)-77.26%

Max EPS beat(4)13.83%

EPS beat(8)3

Avg EPS beat(8)-9.43%

EPS beat(12)7

Avg EPS beat(12)15.28%

EPS beat(16)11

Avg EPS beat(16)39.87%

Revenue beat(2)2

Avg Revenue beat(2)3.97%

Min Revenue beat(2)2.8%

Max Revenue beat(2)5.14%

Revenue beat(4)4

Avg Revenue beat(4)2.59%

Min Revenue beat(4)0.62%

Max Revenue beat(4)5.14%

Revenue beat(8)4

Avg Revenue beat(8)0.04%

Revenue beat(12)8

Avg Revenue beat(12)45.18%

Revenue beat(16)12

Avg Revenue beat(16)65.07%

PT rev (1m)20.63%

PT rev (3m)28.15%

EPS NQ rev (1m)0%

EPS NQ rev (3m)12.04%

EPS NY rev (1m)3.91%

EPS NY rev (3m)8.39%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.95%

Revenue NY rev (1m)1.51%

Revenue NY rev (3m)1.25%

Valuation

		Industry Rank	Sector Rank
PE	11.92
Fwd PE	7.75
P/S	0.58
P/FCF	N/A
P/OCF	N/A
P/B	0.48
P/tB	0.52
EV/EBITDA	N/A

EPS(TTM)3.53

EY8.39%

EPS(NY)5.43

Fwd EY12.9%

FCF(TTM)-26.9

FCFYN/A

OCF(TTM)-12.62

OCFYN/A

SpS72.85

BVpS87.78

TBVpS81.43

PEG (NY)0.22

PEG (5Y)4

Profitability

		Industry Rank	Sector Rank
ROA	0.33%
ROE	7.4%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	8.91%
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

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 3Y-23.75%

PM growth 5Y-3.67%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.55
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	113.36%
Cap/Sales	19.61%
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-Score5

WACC5.08%

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)36.9%

EPS 3Y-17.76%

EPS 5Y2.98%

EPS Q2Q%-17.78%

EPS Next Y53.71%

EPS Next 2Y35.87%

EPS Next 3Y29.23%

EPS Next 5Y11.29%

Revenue 1Y (TTM)14%

Revenue growth 3Y15.83%

Revenue growth 5Y10.6%

Sales Q2Q%14.44%

Revenue Next Year0.59%

Revenue Next 2Y1.85%

Revenue Next 3Y2.23%

Revenue Next 5YN/A

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-184.25%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-126.98%

OCF growth 3YN/A

OCF growth 5YN/A

SOCIETE GENERALE SA (GLE.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens