PEUGEOT INVEST (PEUG.PA) Stock Fundamental Analysis
EPA:PEUG - Euronext Paris - Matif - FR0000064784 - Common Stock - Currency: EUR
Taking everything into account, PEUG scores 4 out of 10 in our fundamental rating. PEUG was compared to 46 industry peers in the Financial Services industry. There are concerns on the financial health of PEUG while its profitability can be described as average. PEUG has a valuation in line with the averages, but it does not seem to be growing. PEUG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year PEUG was profitable.
PEUG had a positive operating cash flow in the past year.
PEUG had positive earnings in each of the past 5 years.
Of the past 5 years PEUG 4 years had a positive operating cash flow.
1.2 Ratios
PEUG has a Return On Assets (2.18%) which is in line with its industry peers.
PEUG's Return On Equity of 3.22% is in line compared to the rest of the industry. PEUG outperforms 41.30% of its industry peers.
With a Return On Invested Capital value of 2.41%, PEUG perfoms like the industry average, outperforming 41.30% 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 9.04%.
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
Looking at the Profit Margin, with a value of 58.49%, PEUG belongs to the top of the industry, outperforming 93.48% of the companies in the same industry.
PEUG's Profit Margin has declined in the last couple of years.
PEUG's Operating Margin of 84.80% is amongst the best of the industry. PEUG outperforms 91.30% of its industry peers.
PEUG's Operating Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PEUG is destroying value.
Compared to 1 year ago, PEUG has about the same amount of shares outstanding.
The number of shares outstanding for PEUG remains at a similar level compared to 5 years ago.
PEUG has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.63, we must say that PEUG is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.63, PEUG is in line with its industry, outperforming 52.17% of the companies in the same 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 73.91% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that PEUG is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.27, PEUG is doing good in the industry, outperforming 65.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 4.15 | ||
| Altman-Z | 1.63 |
ROIC/WACC0.46
WACC5.28%
2.3 Liquidity
A Current Ratio of 0.68 indicates that PEUG may have some problems paying its short term obligations.
PEUG's Current ratio of 0.68 is on the low side compared to the rest of the industry. PEUG is outperformed by 69.57% 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: 69.57% 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.
PEUG shows a decrease in Revenue. In the last year, the revenue decreased by -7.72%.
Measured over the past years, PEUG shows a small growth in Revenue. The Revenue has been growing by 5.58% on average per year.
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
PEUG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.25% yearly.
PEUG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by 0.00% yearly.
EPS Next Y-0.51%
EPS Next 2Y-0.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0%
Revenue Next 2Y0%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 13.49 indicates a correct valuation of PEUG.
The rest of the industry has a similar Price/Earnings ratio as PEUG.
The average S&P500 Price/Earnings ratio is at 27.41. PEUG is valued rather cheaply when compared to this.
PEUG is valuated correctly with a Price/Forward Earnings ratio of 15.78.
PEUG's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.19. PEUG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 15.78 |
4.2 Price Multiples
PEUG's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, PEUG is valued cheaply inside the industry as 86.96% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.76 | ||
| EV/EBITDA | 15.28 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)6.19
EPS Next 2Y-0.25%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PEUG has a Yearly Dividend Yield of 4.04%, which is a nice return.
Compared to an average industry Dividend Yield of 3.93, PEUG pays a bit more dividend than its industry peers.
PEUG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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 declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP55.15%
EPS Next 2Y-0.25%
EPS Next 3YN/A
EPA:PEUG (7/14/2025, 5:29:47 PM)
79.2
-0.6 (-0.75%)
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 Cap1.97B
Analysts86
Price Target109.91 (38.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.04% |
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)0%
PT rev (3m)-4.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 | 13.49 | ||
| Fwd PE | 15.78 | ||
| P/S | 7.89 | ||
| P/FCF | 5.76 | ||
| P/OCF | 5.76 | ||
| P/B | 0.43 | ||
| P/tB | 0.43 | ||
| EV/EBITDA | 15.28 |
EPS(TTM)5.87
EY7.41%
EPS(NY)5.02
Fwd EY6.34%
FCF(TTM)13.75
FCFY17.36%
OCF(TTM)13.75
OCFY17.37%
SpS10.04
BVpS182.57
TBVpS182.57
PEG (NY)N/A
PEG (5Y)6.19
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 | 1.63 |
F-Score7
WACC5.28%
ROIC/WACC0.46
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 Y-0.51%
EPS Next 2Y-0.25%
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 3YN/A
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%