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FIDUCIAL OFFICE SOLUTION (SACI.PA) Stock Fundamental Analysis

EPA:SACI - Euronext Paris - Matif - FR0000061418 - Common Stock - Currency: EUR

27.4  0 (0%)

Fundamental Rating

4

SACI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 44 industry peers in the Commercial Services & Supplies industry. SACI has an excellent financial health rating, but there are some minor concerns on its profitability. SACI has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year SACI was profitable.
In the past year SACI had a positive cash flow from operations.
SACI had positive earnings in each of the past 5 years.
Of the past 5 years SACI 4 years had a positive operating cash flow.
SACI.PA Yearly Net Income VS EBIT VS OCF VS FCFSACI.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

SACI has a Return On Assets (1.84%) which is in line with its industry peers.
SACI's Return On Equity of 2.96% is in line compared to the rest of the industry. SACI outperforms 45.65% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.36%, SACI is doing worse than 60.87% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SACI is below the industry average of 7.74%.
Industry RankSector Rank
ROA 1.84%
ROE 2.96%
ROIC 2.36%
ROA(3y)1.66%
ROA(5y)1.51%
ROE(3y)2.86%
ROE(5y)2.69%
ROIC(3y)2.97%
ROIC(5y)2.87%
SACI.PA Yearly ROA, ROE, ROICSACI.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4 5

1.3 Margins

SACI has a Profit Margin of 1.18%. This is comparable to the rest of the industry: SACI outperforms 47.83% of its industry peers.
SACI's Profit Margin has improved in the last couple of years.
SACI has a worse Operating Margin (1.39%) than 60.87% of its industry peers.
SACI's Operating Margin has improved in the last couple of years.
The Gross Margin of SACI (37.24%) is comparable to the rest of the industry.
SACI's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 1.39%
PM (TTM) 1.18%
GM 37.24%
OM growth 3Y-15.93%
OM growth 5Y5.16%
PM growth 3Y-2.08%
PM growth 5Y6.21%
GM growth 3Y-0.14%
GM growth 5Y15%
SACI.PA Yearly Profit, Operating, Gross MarginsSACI.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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7

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SACI is destroying value.
SACI has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for SACI remains at a similar level compared to 5 years ago.
Compared to 1 year ago, SACI has an improved debt to assets ratio.
SACI.PA Yearly Shares OutstandingSACI.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500K 1M 1.5M 2M
SACI.PA Yearly Total Debt VS Total AssetsSACI.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

2.2 Solvency

An Altman-Z score of 3.20 indicates that SACI is not in any danger for bankruptcy at the moment.
SACI has a Altman-Z score of 3.20. This is amongst the best in the industry. SACI outperforms 93.48% of its industry peers.
SACI has a debt to FCF ratio of 0.26. This is a very positive value and a sign of high solvency as it would only need 0.26 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.26, SACI belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
SACI has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.04, SACI belongs to the top of the industry, outperforming 93.48% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.26
Altman-Z 3.2
ROIC/WACC0.31
WACC7.51%
SACI.PA Yearly LT Debt VS Equity VS FCFSACI.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

2.3 Liquidity

SACI has a Current Ratio of 1.54. This is a normal value and indicates that SACI is financially healthy and should not expect problems in meeting its short term obligations.
SACI has a Current ratio of 1.54. This is in the better half of the industry: SACI outperforms 71.74% of its industry peers.
A Quick Ratio of 1.15 indicates that SACI should not have too much problems paying its short term obligations.
SACI has a better Quick ratio (1.15) than 69.57% of its industry peers.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.15
SACI.PA Yearly Current Assets VS Current LiabilitesSACI.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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1

3. Growth

3.1 Past

SACI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.89%.
SACI shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.48% yearly.
The Revenue has decreased by -7.66% in the past year.
The Revenue has been growing slightly by 1.20% on average over the past years.
EPS 1Y (TTM)-7.89%
EPS 3Y0.15%
EPS 5Y7.48%
EPS Q2Q%-253.96%
Revenue 1Y (TTM)-7.66%
Revenue growth 3Y2.28%
Revenue growth 5Y1.2%
Sales Q2Q%-8.25%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SACI.PA Yearly Revenue VS EstimatesSACI.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
SACI.PA Yearly EPS VS EstimatesSACI.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 24.68, which indicates a rather expensive current valuation of SACI.
Compared to the rest of the industry, the Price/Earnings ratio of SACI is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 29.35. SACI is around the same levels.
Industry RankSector Rank
PE 24.68
Fwd PE N/A
SACI.PA Price Earnings VS Forward Price EarningsSACI.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

SACI's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, SACI is valued cheaply inside the industry as 97.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.62
EV/EBITDA 9.93
SACI.PA Per share dataSACI.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)3.3
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

SACI has a Yearly Dividend Yield of 2.55%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.64, SACI pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, SACI has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.55%

5.2 History

The dividend of SACI decreases each year by -12.82%.
Dividend Growth(5Y)-12.82%
Div Incr Years1
Div Non Decr Years1
SACI.PA Yearly Dividends per shareSACI.PA Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 0.5 1

5.3 Sustainability

SACI pays out 62.81% of its income as dividend. This is not a sustainable payout ratio.
DP62.81%
EPS Next 2YN/A
EPS Next 3YN/A
SACI.PA Yearly Income VS Free CF VS DividendSACI.PA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M
SACI.PA Dividend Payout.SACI.PA Dividend Payout, showing the Payout Ratio.SACI.PA Dividend Payout.PayoutRetained Earnings

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FIDUCIAL OFFICE SOLUTION

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

27.4

0 (0%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap59.46M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.7
Dividend Growth(5Y)-12.82%
DP62.81%
Div Incr Years1
Div Non Decr Years1
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 24.68
Fwd PE N/A
P/S 0.29
P/FCF 2.62
P/OCF 2.38
P/B 0.73
P/tB 2.32
EV/EBITDA 9.93
EPS(TTM)1.11
EY4.05%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)10.46
FCFY38.18%
OCF(TTM)11.5
OCFY41.97%
SpS94.5
BVpS37.66
TBVpS11.79
PEG (NY)N/A
PEG (5Y)3.3
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 2.96%
ROCE 3.22%
ROIC 2.36%
ROICexc 2.39%
ROICexgc 6.65%
OM 1.39%
PM (TTM) 1.18%
GM 37.24%
FCFM 11.07%
ROA(3y)1.66%
ROA(5y)1.51%
ROE(3y)2.86%
ROE(5y)2.69%
ROIC(3y)2.97%
ROIC(5y)2.87%
ROICexc(3y)3.06%
ROICexc(5y)2.94%
ROICexgc(3y)8.83%
ROICexgc(5y)8.84%
ROCE(3y)4.11%
ROCE(5y)3.95%
ROICexcg growth 3Y-18.79%
ROICexcg growth 5Y-7.92%
ROICexc growth 3Y-15.51%
ROICexc growth 5Y3.89%
OM growth 3Y-15.93%
OM growth 5Y5.16%
PM growth 3Y-2.08%
PM growth 5Y6.21%
GM growth 3Y-0.14%
GM growth 5Y15%
F-Score5
Asset Turnover1.56
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.26
Debt/EBITDA 0.56
Cap/Depr 62.35%
Cap/Sales 1.1%
Interest Coverage 250
Cash Conversion 385.41%
Profit Quality 939.14%
Current Ratio 1.54
Quick Ratio 1.15
Altman-Z 3.2
F-Score5
WACC7.51%
ROIC/WACC0.31
Cap/Depr(3y)42.75%
Cap/Depr(5y)65.33%
Cap/Sales(3y)0.79%
Cap/Sales(5y)1.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.89%
EPS 3Y0.15%
EPS 5Y7.48%
EPS Q2Q%-253.96%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-7.66%
Revenue growth 3Y2.28%
Revenue growth 5Y1.2%
Sales Q2Q%-8.25%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.17%
EBIT growth 3Y-14.01%
EBIT growth 5Y6.42%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y104.53%
FCF growth 3Y47.05%
FCF growth 5Y13.14%
OCF growth 1Y104%
OCF growth 3Y33.35%
OCF growth 5Y15.04%