(CS) AXA - Ratings and Ratios
Insurance, Asset Management, Banking, Reinsurance, Protection
Description: CS AXA
AXA SA is a global insurance company with a diverse range of products and services, operating through six business segments. The company provides life, savings, and property insurance, as well as reinsurance, asset management, and banking services. Its product portfolio includes protection and retirement plans, risk management solutions, and integrated health services. AXA also offers various asset management services, including multi-manager solutions, and a range of insurance products for individual and commercial customers.
From a financial perspective, AXA has a market capitalization of approximately €89.35 billion, indicating a significant presence in the global insurance market. The companys price-to-earnings ratio is around 12.50, with a forward P/E of 9.82, suggesting a relatively attractive valuation. Additionally, AXAs return on equity (RoE) is 32.58%, indicating a strong ability to generate profits from shareholder equity.
Some key performance indicators (KPIs) to monitor AXAs performance include its combined ratio, which measures the companys underwriting profitability, and its investment yield, which reflects the returns on its asset portfolio. The companys solvency ratio, which measures its capital adequacy, is also an important metric. Furthermore, AXAs market share in key regions and product lines, as well as its customer retention rates, are crucial in assessing its competitive position and long-term prospects.
In terms of growth prospects, AXAs diversified business model and global presence provide a solid foundation for expansion. The companys focus on integrated health services and risk management solutions is likely to drive growth in the health and protection segments. Moreover, AXAs asset management business is expected to benefit from the increasing demand for investment products and services. Overall, AXAs strong financials, diversified product portfolio, and global reach make it an attractive investment opportunity in the insurance sector.
CS Stock Overview
| Market Cap in USD | 100,590m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
CS Stock Ratings
| Growth Rating | 91.2% |
| Fundamental | 66.6% |
| Dividend Rating | 87.9% |
| Return 12m vs S&P 500 | -1.02% |
| Analyst Rating | - |
CS Dividends
| Dividend Yield 12m | 5.60% |
| Yield on Cost 5y | 16.77% |
| Annual Growth 5y | 22.09% |
| Payout Consistency | 95.4% |
| Payout Ratio | 65.4% |
CS Growth Ratios
| Growth Correlation 3m | -34.8% |
| Growth Correlation 12m | 86.5% |
| Growth Correlation 5y | 98% |
| CAGR 5y | 27.66% |
| CAGR/Max DD 3y | 1.99 |
| CAGR/Mean DD 3y | 11.76 |
| Sharpe Ratio 12m | 2.00 |
| Alpha | 3.79 |
| Beta | 0.538 |
| Volatility | 14.56% |
| Current Volume | 2767k |
| Average Volume 20d | 3105.2k |
| Stop Loss | 39 (-3%) |
| Signal | -0.68 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (13.00b TTM) > 0 and > 6% of Revenue (6% = 9.41b TTM) |
| FCFTA 0.03 (>2.0%) and ΔFCFTA 1.63pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 210.0% (prev -130.9%; Δ 340.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 28.20b > Net Income 13.00b (YES >=105%, WARN >=100%) |
| Net Debt (42.87b) to EBITDA (14.88b) ratio: 2.88 <= 3.0 (WARN <= 3.5) |
| Current Ratio 24.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (2.16b) change vs 12m ago -3.78% (target <= -2.0% for YES) |
| Gross Margin 49.08% (prev 94.50%; Δ -45.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 24.48% (prev 21.31%; Δ 3.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 12.67 (EBITDA TTM 14.88b / Interest Expense TTM 1.21b) >= 6 (WARN >= 3) |
Altman Z'' 3.77
| (A) 0.51 = (Total Current Assets 343.47b - Total Current Liabilities 14.14b) / Total Assets 645.57b |
| (B) 0.06 = Retained Earnings (Balance) 35.58b / Total Assets 645.57b |
| (C) 0.02 = EBIT TTM 15.32b / Avg Total Assets 640.57b |
| (D) 0.08 = Book Value of Equity 45.49b / Total Liabilities 588.98b |
| Total Rating: 3.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 66.56
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 21.75% = 5.0 |
| 3. FCF Margin 12.88% = 3.22 |
| 4. Debt/Equity 0.65 = 2.29 |
| 5. Debt/Ebitda 1.98 = 0.03 |
| 6. ROIC - WACC 4.05% = 5.06 |
| 7. RoE 28.73% = 2.39 |
| 8. Rev. Trend -24.97% = -1.25 |
| 9. Rev. CAGR -7.65% = -1.27 |
| 10. EPS Trend 3.17% = 0.08 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of CS shares?
Over the past week, the price has changed by +1.13%, over one month by -6.25%, over three months by -4.26% and over the past year by +17.05%.
Is AXA a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CS is around 48.47 EUR . This means that CS is currently undervalued and has a potential upside of +20.54% (Margin of Safety).
Is CS a buy, sell or hold?
What are the forecasts/targets for the CS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.6 | 11% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 52.9 | 31.6% |
CS Fundamental Data Overview
Market Cap EUR = 85.78b (85.78b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 22.45b EUR (last quarter)
P/E Trailing = 12.2219
P/E Forward = 9.8232
P/S = 0.9203
P/B = 1.8876
P/EG = 1.2122
Beta = 1.084
Revenue TTM = 156.81b EUR
EBIT TTM = 15.32b EUR
EBITDA TTM = 14.88b EUR
Long Term Debt = 29.54b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 29.54b EUR (Calculated: Short Term 0.0 + Long Term 29.54b)
Net Debt = 42.87b EUR (from netDebt column, last quarter)
Enterprise Value = 92.87b EUR (85.78b + Debt 29.54b - CCE 22.45b)
Interest Coverage Ratio = 12.67 (Ebit TTM 15.32b / Interest Expense TTM 1.21b)
FCF Yield = 21.75% (FCF TTM 20.20b / Enterprise Value 92.87b)
FCF Margin = 12.88% (FCF TTM 20.20b / Revenue TTM 156.81b)
Net Margin = 8.29% (Net Income TTM 13.00b / Revenue TTM 156.81b)
Gross Margin = 49.08% ((Revenue TTM 156.81b - Cost of Revenue TTM 79.85b) / Revenue TTM)
Tobins Q-Ratio = 2.04 (Enterprise Value 92.87b / Book Value Of Equity 45.49b)
Interest Expense / Debt = 1.01% (Interest Expense 299.0m / Debt 29.54b)
Taxrate = 24.64% (2.46b / 9.98b)
NOPAT = 11.54b (EBIT 15.32b * (1 - 24.64%))
Current Ratio = 24.30 (Total Current Assets 343.47b / Total Current Liabilities 14.14b)
Debt / Equity = 0.65 (Debt 29.54b / last Quarter total Stockholder Equity 45.49b)
Debt / EBITDA = 1.98 (Net Debt 42.87b / EBITDA 14.88b)
Debt / FCF = 1.46 (Debt 29.54b / FCF TTM 20.20b)
Total Stockholder Equity = 45.27b (last 4 quarters mean)
RoA = 2.01% (Net Income 13.00b, Total Assets 645.57b )
RoE = 28.73% (Net Income TTM 13.00b / Total Stockholder Equity 45.27b)
RoCE = 20.48% (Ebit 15.32b / (Equity 45.27b + L.T.Debt 29.54b))
RoIC = 10.20% (NOPAT 11.54b / Invested Capital 113.21b)
WACC = 6.15% (E(85.78b)/V(115.33b) * Re(8.0%)) + (D(29.54b)/V(115.33b) * Rd(1.01%) * (1-Tc(0.25)))
Shares Correlation 3-Years: -82.19 | Cagr: -0.90%
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 80.22% ; FCFE base≈15.92b ; Y1≈18.36b ; Y5≈25.91b
Fair Price DCF = 209.7 (DCF Value 447.32b / Shares Outstanding 2.13b; 5y FCF grow 17.97% → 3.0% )
Revenue Correlation: -24.97 | Revenue CAGR: -7.65%
Rev Growth-of-Growth: -43.69
EPS Correlation: 3.17 | EPS CAGR: 0.0%
EPS Growth-of-Growth: 10.67