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SOCIETE GENERALE SA (SGE.DE) Stock Fundamental Analysis

FRA:SGE - Deutsche Boerse Ag - FR0000130809 - Common Stock - Currency: EUR

45.55  +1.63 (+3.71%)

Fundamental Rating

3

Overall SGE gets a fundamental rating of 3 out of 10. We evaluated SGE against 97 industry peers in the Banks industry. Both the profitability and financial health of SGE have multiple concerns. SGE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SGE was profitable.
SGE had a negative operating cash flow in the past year.
SGE had positive earnings in 4 of the past 5 years.
Of the past 5 years SGE 4 years had a positive operating cash flow.
SGE.DE Yearly Net Income VS EBIT VS OCF VS FCFSGE.DE 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 20B -20B 40B 60B 80B

1.2 Ratios

The Return On Assets of SGE (0.33%) is worse than 82.47% of its industry peers.
Looking at the Return On Equity, with a value of 7.40%, SGE is in line with its industry, outperforming 40.21% of the companies in the same industry.
Industry RankSector 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
SGE.DE Yearly ROA, ROE, ROICSGE.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6

1.3 Margins

SGE has a Profit Margin of 6.76%. This is amonst the worse of the industry: SGE underperforms 85.57% of its industry peers.
SGE's Profit Margin has declined in the last couple of years.
SGE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 6.76%
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
SGE.DE Yearly Profit, Operating, Gross MarginsSGE.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10

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1

2. Health

2.1 Basic Checks

SGE does not have a ROIC to compare to the WACC, probably because it is not profitable.
SGE has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, SGE has less shares outstanding
The debt/assets ratio for SGE is higher compared to a year ago.
SGE.DE Yearly Shares OutstandingSGE.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
SGE.DE Yearly Total Debt VS Total AssetsSGE.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 0.99 indicates that SGE is somewhat dependend on debt financing.
SGE's Debt to Equity ratio of 0.99 is fine compared to the rest of the industry. SGE outperforms 75.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.24%
SGE.DE Yearly LT Debt VS Equity VS FCFSGE.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SGE.DE Yearly Current Assets VS Current LiabilitesSGE.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 69.38% over the past year.
SGE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.46% yearly.
The Revenue has grown by 50.27% in the past year. This is a very strong growth!
The Revenue has been growing by 10.60% on average over the past years. This is quite good.
EPS 1Y (TTM)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
Revenue 1Y (TTM)50.27%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%

3.2 Future

SGE is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.94% yearly.
SGE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.33% yearly.
EPS Next Y28.53%
EPS Next 2Y23.65%
EPS Next 3Y21.17%
EPS Next 5Y4.94%
Revenue Next Year0.9%
Revenue Next 2Y1.93%
Revenue Next 3Y2.33%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SGE.DE Yearly Revenue VS EstimatesSGE.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20B 40B 60B
SGE.DE Yearly EPS VS EstimatesSGE.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.42, the valuation of SGE can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SGE indicates a slightly more expensive valuation: SGE is more expensive than 68.04% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 28.88. SGE is valued rather cheaply when compared to this.
SGE is valuated reasonably with a Price/Forward Earnings ratio of 8.11.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SGE indicates a somewhat cheap valuation: SGE is cheaper than 73.20% of the companies listed in the same industry.
SGE is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.42
Fwd PE 8.11
SGE.DE Price Earnings VS Forward Price EarningsSGE.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SGE.DE Per share dataSGE.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60 80

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 SGE's earnings are expected to grow with 21.17% in the coming years.
PEG (NY)0.37
PEG (5Y)1.4
EPS Next 2Y23.65%
EPS Next 3Y21.17%

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2

5. Dividend

5.1 Amount

SGE has a Yearly Dividend Yield of 2.60%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.60, SGE pays less dividend than the industry average, which is at 5.42. 89.69% of the companies listed in the same industry pay a better dividend than SGE!
SGE's Dividend Yield is comparable with the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 2.6%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
SGE.DE Yearly Dividends per shareSGE.DE Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

DPN/A
EPS Next 2Y23.65%
EPS Next 3Y21.17%
SGE.DE Yearly Income VS Free CF VS DividendSGE.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

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SOCIETE GENERALE SA

FRA:SGE (4/30/2025, 7:00:00 PM)

45.55

+1.63 (+3.71%)

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 Cap36.45B
Analysts77.69
Price Target44.87 (-1.49%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.2%
Min EPS beat(2)8.57%
Max EPS beat(2)13.83%
EPS beat(4)3
Avg EPS beat(4)6.97%
Min EPS beat(4)-3.93%
Max EPS beat(4)13.83%
EPS beat(8)4
Avg EPS beat(8)1.29%
EPS beat(12)8
Avg EPS beat(12)22.43%
EPS beat(16)12
Avg EPS beat(16)45.24%
Revenue beat(2)2
Avg Revenue beat(2)2.45%
Min Revenue beat(2)2.11%
Max Revenue beat(2)2.8%
Revenue beat(4)4
Avg Revenue beat(4)1.83%
Min Revenue beat(4)0.62%
Max Revenue beat(4)2.8%
Revenue beat(8)4
Avg Revenue beat(8)-0.34%
Revenue beat(12)8
Avg Revenue beat(12)44.93%
Revenue beat(16)12
Avg Revenue beat(16)64.88%
PT rev (1m)9.4%
PT rev (3m)38.47%
EPS NQ rev (1m)9.62%
EPS NQ rev (3m)30.63%
EPS NY rev (1m)0.28%
EPS NY rev (3m)12.13%
Revenue NQ rev (1m)1.22%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)1.82%
Valuation
Industry RankSector Rank
PE 10.42
Fwd PE 8.11
P/S 0.47
P/FCF N/A
P/OCF N/A
P/B 0.52
P/tB 0.56
EV/EBITDA N/A
EPS(TTM)4.37
EY9.59%
EPS(NY)5.62
Fwd EY12.33%
FCF(TTM)-26.9
FCFYN/A
OCF(TTM)-12.62
OCFYN/A
SpS96.03
BVpS87.78
TBVpS81.43
PEG (NY)0.37
PEG (5Y)1.4
Profitability
Industry RankSector Rank
ROA 0.33%
ROE 7.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.76%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 113.36%
Cap/Sales 14.88%
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
WACC5.24%
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)69.38%
EPS 3Y-11.71%
EPS 5Y7.46%
EPS Q2Q%292.59%
EPS Next Y28.53%
EPS Next 2Y23.65%
EPS Next 3Y21.17%
EPS Next 5Y4.94%
Revenue 1Y (TTM)50.27%
Revenue growth 3Y15.83%
Revenue growth 5Y10.6%
Sales Q2Q%11.15%
Revenue Next Year0.9%
Revenue Next 2Y1.93%
Revenue Next 3Y2.33%
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