(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 | 99,149m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
CS Stock Ratings
| Growth Rating | 92.4% |
| Fundamental | 61.6% |
| Dividend Rating | 88.1% |
| Return 12m vs S&P 500 | 4.48% |
| Analyst Rating | - |
CS Dividends
| Dividend Yield 12m | 5.69% |
| Yield on Cost 5y | 16.96% |
| Annual Growth 5y | 22.09% |
| Payout Consistency | 95.4% |
| Payout Ratio | 65.4% |
CS Growth Ratios
| Growth Correlation 3m | -8.6% |
| Growth Correlation 12m | 86.8% |
| Growth Correlation 5y | 98% |
| CAGR 5y | 25.21% |
| CAGR/Max DD 5y | 1.03 |
| Sharpe Ratio 12m | 1.94 |
| Alpha | 12.96 |
| Beta | 0.337 |
| Volatility | 44.33% |
| Current Volume | 2839.4k |
| Average Volume 20d | 3068.9k |
| Stop Loss | 38.5 (-3.2%) |
| Signal | 0.44 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (14.96b TTM) > 0 and > 6% of Revenue (6% = 10.72b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 184.4% (prev -130.9%; Δ 315.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 28.59b > Net Income 14.96b (YES >=105%, WARN >=100%) |
| Net Debt (43.15b) to EBITDA (9.86b) ratio: 4.38 <= 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 (2.17b) change vs 12m ago -3.30% (target <= -2.0% for YES) |
| Gross Margin 55.30% (prev 94.50%; Δ -39.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 27.88% (prev 21.31%; Δ 6.57pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 17.60 (EBITDA TTM 9.86b / Interest Expense TTM 595.0m) >= 6 (WARN >= 3) |
Altman Z'' 3.73
| (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 10.47b / Avg Total Assets 640.57b |
| (D) 0.09 = Book Value of Equity 54.10b / Total Liabilities 600.08b |
| Total Rating: 3.73 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.64
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 7.74% = 3.87 |
| 3. FCF Margin 3.99% = 1.00 |
| 4. Debt/Equity 0.65 = 2.29 |
| 5. Debt/Ebitda 3.00 = -1.76 |
| 6. ROIC - WACC 1.39% = 1.74 |
| 7. RoE 33.06% = 2.50 |
| 8. Rev. Trend 4.85% = 0.24 |
| 9. Rev. CAGR 19.09% = 2.39 |
| 10. EPS Trend 14.95% = 0.37 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of CS shares?
Over the past week, the price has changed by -6.57%, over one month by -6.29%, over three months by -4.03% and over the past year by +22.21%.
Is AXA a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CS is around 47.82 EUR . This means that CS is currently undervalued and has a potential upside of +20.18% (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 | 12% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 52 | 30.6% |
CS Fundamental Data Overview
Market Cap EUR = 85.12b (85.12b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 22.45b EUR (last quarter)
P/E Trailing = 12.1277
P/E Forward = 9.8232
P/S = 0.9132
P/B = 1.8721
P/EG = 1.2122
Beta = 1.1
Revenue TTM = 178.61b EUR
EBIT TTM = 10.47b EUR
EBITDA TTM = 9.86b 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 = 43.15b EUR (from netDebt column, last fiscal year)
Enterprise Value = 92.21b EUR (85.12b + Debt 29.54b - CCE 22.45b)
Interest Coverage Ratio = 17.60 (Ebit TTM 10.47b / Interest Expense TTM 595.0m)
FCF Yield = 7.74% (FCF TTM 7.13b / Enterprise Value 92.21b)
FCF Margin = 3.99% (FCF TTM 7.13b / Revenue TTM 178.61b)
Net Margin = 8.38% (Net Income TTM 14.96b / Revenue TTM 178.61b)
Gross Margin = 55.30% ((Revenue TTM 178.61b - Cost of Revenue TTM 79.85b) / Revenue TTM)
Tobins Q-Ratio = 1.70 (Enterprise Value 92.21b / Book Value Of Equity 54.10b)
Interest Expense / Debt = 0.99% (Interest Expense 292.0m / Debt 29.54b)
Taxrate = 24.64% (from yearly Income Tax Expense: 2.46b / 9.98b)
NOPAT = 7.89b (EBIT 10.47b * (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 = 3.00 (Net Debt 43.15b / EBITDA 9.86b)
Debt / FCF = 4.14 (Debt 29.54b / FCF TTM 7.13b)
Total Stockholder Equity = 45.27b (last 4 quarters mean)
RoA = 2.32% (Net Income 14.96b, Total Assets 645.57b )
RoE = 33.06% (Net Income TTM 14.96b / Total Stockholder Equity 45.27b)
RoCE = 14.00% (Ebit 10.47b / (Equity 45.27b + L.T.Debt 29.54b))
RoIC = 6.97% (NOPAT 7.89b / Invested Capital 113.21b)
WACC = 5.58% (E(85.12b)/V(114.67b) * Re(7.26%)) + (D(29.54b)/V(114.67b) * Rd(0.99%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.31%
Discount Rate = 7.26% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 80.22% ; FCFE base≈8.08b ; Y1≈9.32b ; Y5≈13.15b
Fair Price DCF = 106.4 (DCF Value 227.06b / Shares Outstanding 2.13b; 5y FCF grow 17.97% → 3.0% )
Revenue Correlation: 4.85 | Revenue CAGR: 19.09%
Rev Growth-of-Growth: 6.40
EPS Correlation: 14.95 | EPS CAGR: 0.0%
EPS Growth-of-Growth: 63.81