PEUGEOT INVEST (PEUG.PA) Stock Fundamental Analysis
Europe - EPA:PEUG - FR0000064784 - Common Stock
78.5 EUR
-0.2 (-0.25%)
Overall PEUG gets a fundamental rating of 5 out of 10. We evaluated PEUG against 46 industry peers in the Financial Services industry. While PEUG is still in line with the averages on profitability rating, there are concerns on its financial health. PEUG is valued quite cheap, but it does not seem to be growing. PEUG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
PEUG had positive earnings in the past year.
In the past year PEUG had a positive cash flow from operations.
In the past 5 years PEUG has always been profitable.
PEUG had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PEUG's Return On Assets of 2.18% is in line compared to the rest of the industry. PEUG outperforms 52.17% of its industry peers.
PEUG has a Return On Equity (3.22%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 2.41%, PEUG is doing worse than 60.87% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PEUG is significantly below the industry average of 10.06%.
The last Return On Invested Capital (2.41%) for PEUG is above the 3 year average (2.38%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.18% | ||
| ROE | 3.22% | ||
| ROIC | 2.41% |
ROA(3y)2.3%
ROA(5y)2.85%
ROE(3y)3.49%
ROE(5y)4.35%
ROIC(3y)2.38%
ROIC(5y)2.92%
1.3 Margins
PEUG has a better Profit Margin (58.49%) than 93.48% of its industry peers.
PEUG's Profit Margin has declined in the last couple of years.
PEUG has a Operating Margin of 84.80%. This is amongst the best in the industry. PEUG outperforms 91.30% of its industry peers.
In the last couple of years the Operating Margin of PEUG has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 84.8% | ||
| PM (TTM) | 58.49% | ||
| GM | N/A |
OM growth 3Y-3.5%
OM growth 5Y0.48%
PM growth 3Y-6.1%
PM growth 5Y-3.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PEUG is destroying value.
PEUG has about the same amout of shares outstanding than it did 1 year ago.
PEUG has about the same amout of shares outstanding than it did 5 years ago.
The debt/assets ratio for PEUG is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.62, we must say that PEUG is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PEUG (1.62) is comparable to the rest of the industry.
The Debt to FCF ratio of PEUG is 4.15, which is a neutral value as it means it would take PEUG, 4.15 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PEUG (4.15) is better than 65.22% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that PEUG is not too dependend on debt financing.
PEUG has a Debt to Equity ratio (0.27) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 4.15 | ||
| Altman-Z | 1.62 |
ROIC/WACC0.45
WACC5.4%
2.3 Liquidity
A Current Ratio of 0.68 indicates that PEUG may have some problems paying its short term obligations.
PEUG has a Current ratio of 0.68. This is in the lower half of the industry: PEUG underperforms 73.91% of its industry peers.
PEUG has a Quick Ratio of 0.68. This is a bad value and indicates that PEUG is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.68, PEUG is not doing good in the industry: 73.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 |
3. Growth
3.1 Past
PEUG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.08%.
PEUG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.18% yearly.
The Revenue has decreased by -7.72% in the past year.
The Revenue has been growing slightly by 5.58% on average over the past years.
EPS 1Y (TTM)7.08%
EPS 3Y-31.56%
EPS 5Y2.18%
EPS Q2Q%29.33%
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y-27.12%
Revenue growth 5Y5.58%
Sales Q2Q%28.76%
3.2 Future
The Earnings Per Share is expected to grow by 30.80% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by 0.00% on average over the next years.
EPS Next Y72.5%
EPS Next 2Y30.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0%
Revenue Next 2Y0%
Revenue Next 3Y0%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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
Based on the Price/Earnings ratio of 13.37, the valuation of PEUG can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as PEUG.
The average S&P500 Price/Earnings ratio is at 27.30. PEUG is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.02 indicates a reasonable valuation of PEUG.
Based on the Price/Forward Earnings ratio, PEUG is valued a bit cheaper than the industry average as 73.91% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of PEUG to the average of the S&P500 Index (22.73), we can say PEUG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PEUG.
Based on the Price/Free Cash Flow ratio, PEUG is valued cheaper than 84.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.71 | ||
| EV/EBITDA | 15.15 |
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.
PEUG's earnings are expected to grow with 30.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)6.13
EPS Next 2Y30.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEUG has a Yearly Dividend Yield of 4.15%, which is a nice return.
PEUG's Dividend Yield is a higher than the industry average which is at 3.73.
Compared to an average S&P500 Dividend Yield of 2.38, PEUG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
5.2 History
On average, the dividend of PEUG grows each year by 8.64%, which is quite nice.
Dividend Growth(5Y)8.64%
Div Incr Years2
Div Non Decr Years3
5.3 Sustainability
55.15% of the earnings are spent on dividend by PEUG. This is a bit on the high side, but may be sustainable.
PEUG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.15%
EPS Next 2Y30.8%
EPS Next 3YN/A
EPA:PEUG (9/15/2025, 5:29:51 PM)
78.5
-0.2 (-0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners9.55%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap1.96B
Analysts86
Price Target102.68 (30.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
Yearly Dividend3.25
Dividend Growth(5Y)8.64%
DP55.15%
Div Incr Years2
Div Non Decr Years3
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)-3.44%
PT rev (3m)-6.57%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)73.37%
EPS NY rev (3m)73.37%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.37 | ||
| Fwd PE | 9.02 | ||
| P/S | 7.82 | ||
| P/FCF | 5.71 | ||
| P/OCF | 5.71 | ||
| P/B | 0.43 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 15.15 |
EPS(TTM)5.87
EY7.48%
EPS(NY)8.7
Fwd EY11.08%
FCF(TTM)13.75
FCFY17.51%
OCF(TTM)13.75
OCFY17.52%
SpS10.04
BVpS182.57
TBVpS182.57
PEG (NY)0.18
PEG (5Y)6.13
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.18% | ||
| ROE | 3.22% | ||
| ROCE | 3.28% | ||
| ROIC | 2.41% | ||
| ROICexc | 2.47% | ||
| ROICexgc | 2.47% | ||
| OM | 84.8% | ||
| PM (TTM) | 58.49% | ||
| GM | N/A | ||
| FCFM | 136.96% |
ROA(3y)2.3%
ROA(5y)2.85%
ROE(3y)3.49%
ROE(5y)4.35%
ROIC(3y)2.38%
ROIC(5y)2.92%
ROICexc(3y)2.42%
ROICexc(5y)2.95%
ROICexgc(3y)2.42%
ROICexgc(5y)2.95%
ROCE(3y)3.24%
ROCE(5y)3.97%
ROICexcg growth 3Y-22.71%
ROICexcg growth 5Y3.65%
ROICexc growth 3Y-22.71%
ROICexc growth 5Y3.65%
OM growth 3Y-3.5%
OM growth 5Y0.48%
PM growth 3Y-6.1%
PM growth 5Y-3.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 4.15 | ||
| Debt/EBITDA | 5.66 | ||
| Cap/Depr | 8.78% | ||
| Cap/Sales | 0.05% | ||
| Interest Coverage | 11.32 | ||
| Cash Conversion | 160.54% | ||
| Profit Quality | 234.17% | ||
| Current Ratio | 0.68 | ||
| Quick Ratio | 0.68 | ||
| Altman-Z | 1.62 |
F-Score7
WACC5.4%
ROIC/WACC0.45
Cap/Depr(3y)77.63%
Cap/Depr(5y)60.82%
Cap/Sales(3y)0.27%
Cap/Sales(5y)0.2%
Profit Quality(3y)173.4%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.08%
EPS 3Y-31.56%
EPS 5Y2.18%
EPS Q2Q%29.33%
EPS Next Y72.5%
EPS Next 2Y30.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.72%
Revenue growth 3Y-27.12%
Revenue growth 5Y5.58%
Sales Q2Q%28.76%
Revenue Next Year0%
Revenue Next 2Y0%
Revenue Next 3Y0%
Revenue Next 5YN/A
EBIT growth 1Y-7.92%
EBIT growth 3Y-29.67%
EBIT growth 5Y6.09%
EBIT Next Year0%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y37.74%
FCF growth 3Y56.58%
FCF growth 5Y31.37%
OCF growth 1Y37.47%
OCF growth 3Y56.56%
OCF growth 5Y31.31%