(GLE) Societe Generale S.A. - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 46.884m EUR | Total Return: 104.3% in 12m

Banking, Investment, Leasing, Insurance, Finance
Total Rating 53
Safety 35
Buy Signal 0.90
Banks - Regional
Industry Rotation: +13.6
Market Cap: 54.7B
Avg Turnover: 168M EUR
ATR: 4.35%
Peers RS (IBD): 96.9
Risk 5d forecast
Volatility40.5%
Rel. Tail Risk-7.53%
Reward TTM
Sharpe Ratio1.97
Alpha78.13
Character TTM
Beta0.496
Beta Downside1.276
Drawdowns 3y
Max DD26.60%
CAGR/Max DD2.15
EPS (Earnings per Share) EPS (Earnings per Share) of GLE over the last years for every Quarter: "2021-03": 0.83, "2021-06": 1.57, "2021-09": 1.66, "2021-12": 1.46, "2022-03": 1, "2022-06": 1.87, "2022-09": 1.81, "2022-12": 1.42, "2023-03": 1.05, "2023-06": 1.4, "2023-09": 0.52, "2023-12": 0.34, "2024-03": 0.64, "2024-06": 1.17, "2024-09": 0.93, "2024-12": 1.12, "2025-03": 1.8, "2025-06": 1.6, "2025-09": 1.79, "2025-12": 1.61,
EPS CAGR: 13.54%
EPS Trend: 12.5%
Last SUE: 1.51
Qual. Beats: 3
Revenue Revenue of GLE over the last years for every Quarter: 2021-03: 5969, 2021-06: 6119, 2021-09: 6476, 2021-12: 7158, 2022-03: 6482, 2022-06: 6684, 2022-09: 6372, 2022-12: 8871, 2023-03: 6489, 2023-06: 6121, 2023-09: 5873, 2023-12: 5596, 2024-03: 6245, 2024-06: 6298, 2024-09: 6431, 2024-12: 6283, 2025-03: 6739, 2025-06: 6436, 2025-09: null, 2025-12: 21999,
Rev. CAGR: 34.91%
Rev. Trend: 30.6%
Last SUE: 4.00
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: GLE Societe Generale S.A.

Societe Generale S.A. (GLE) is a French financial services company. It provides banking, insurance, and investment solutions to a diverse client base including individuals, corporations, and institutions.

GLE operates through three primary segments: French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions. This structure allows the company to offer a broad range of services, from consumer credit and vehicle leasing to corporate finance and asset management. The banking sector is characterized by intense competition and evolving regulatory landscapes.

The company, founded in 1864, is headquartered in Paris, France, and is classified under the Regional Banks GICS sub-industry. Understanding the competitive landscape and regulatory environment for regional banks is crucial for a comprehensive analysis. For further data-driven insights into GLEs performance, consider exploring ValueRay.

Headlines to Watch Out For
  • French retail banking performance impacts core profitability
  • Global Banking and Investor Solutions revenue fluctuates with market volatility
  • International retail banking and financial services drive growth
  • Regulatory fines and compliance costs pressure earnings
  • Economic downturns and interest rate changes affect loan demand
Piotroski VR‑10 (Strict) 4.0
Net Income: 6.71b TTM > 0 and > 6% of Revenue
FCF/TA: -0.02 > 0.02 and ΔFCF/TA -1.09 > 1.0
NWC/Revenue: -877.6% < 20% (prev -1.76k%; Δ 881.8% < -1%)
CFO/TA -0.02 > 3% & CFO -26.43b > Net Income 6.71b
Net Debt (-202.10b) to EBITDA (7.36b): -27.47 < 3
Current Ratio: 0.51 > 1.5 & < 3
Outstanding Shares: last quarter (776.3m) vs 12m ago -2.54% < -2%
Gross Margin: 19.05% > 18% (prev -0.17%; Δ 1.92k% > 0.5%)
Asset Turnover: 2.65% > 50% (prev 1.56%; Δ 1.10% > 0%)
Interest Coverage Ratio: -0.04 > 6 (EBITDA TTM 7.36b / Interest Expense TTM 33.56b)
Altman Z'' -1.43
A: -0.24 (Total Current Assets 372.42b - Total Current Liabilities 736.22b) / Total Assets 1546.64b
B: 0.03 (Retained Earnings 41.86b / Total Assets 1546.64b)
C: -0.00 (EBIT TTM -1.31b / Avg Total Assets 1563.11b)
D: 0.03 (Book Value of Equity 42.10b / Total Liabilities 1467.11b)
Altman-Z'' Score: -1.43 = CCC
Beneish M -3.37
DSRI: 0.06 (Receivables 1.39b/13.89b, Revenue 41.46b/24.57b)
GMI: 1.00 (fallback, negative margins)
AQI: 0.86 (AQ_t 0.72 / AQ_t-1 0.84)
SGI: 1.69 (Revenue 41.46b / 24.57b)
TATA: 0.02 (NI 6.71b - CFO -26.43b) / TA 1546.64b)
Beneish M-Score: -3.37 (Cap -4..+1) = AA
What is the price of GLE shares? As of April 11, 2026, the stock is trading at EUR 71.40 with a total of 1,784,842 shares traded.
Over the past week, the price has changed by +10.51%, over one month by +4.39%, over three months by +3.18% and over the past year by +104.28%.
Is GLE a buy, sell or hold? Societe Generale S.A. has no consensus analysts rating.
What are the forecasts/targets for the GLE price?
Analysts Target Price - -
Societe Generale S.A. (GLE) - Fundamental Data Overview as of 07 April 2026
Market Cap USD = 54.66b (46.88b EUR * 1.1659 EUR.USD)
P/E Trailing = 9.4471
P/E Forward = 8.4246
P/S = 1.8188
P/B = 0.6684
P/EG = 1.7925
Revenue TTM = 41.46b EUR
EBIT TTM = -1.31b EUR
EBITDA TTM = 7.36b EUR
 Long Term Debt = unknown (none)
 Short Term Debt = 20.41b EUR (from shortTermDebt, two quarters ago)
Debt = 167.07b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -202.10b EUR (recalculated: Debt 167.07b - CCE 369.17b)
Enterprise Value = 46.88b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = -0.04 (Ebit TTM -1.31b / Interest Expense TTM 33.56b)
EV/FCF = -1.50x (Enterprise Value 46.88b / FCF TTM -31.27b)
FCF Yield = -66.70% (FCF TTM -31.27b / Enterprise Value 46.88b)
FCF Margin = -75.44% (FCF TTM -31.27b / Revenue TTM 41.46b)
Net Margin = 16.18% (Net Income TTM 6.71b / Revenue TTM 41.46b)
Gross Margin = 19.05% ((Revenue TTM 41.46b - Cost of Revenue TTM 33.56b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.03 (Enterprise Value 46.88b / Total Assets 1546.64b)
Interest Expense / Debt = 20.09% (Interest Expense 33.56b / Debt 167.07b)
Taxrate = 18.79% (804.0m / 4.28b)
NOPAT = -1.06b (EBIT -1.31b * (1 - 18.79%)) [loss with tax shield]
Current Ratio = 0.51 (Total Current Assets 372.42b / Total Current Liabilities 736.22b)
Debt / Equity = 2.38 (Debt 167.07b / totalStockholderEquity, last quarter 70.14b)
Debt / EBITDA = -27.47 (Net Debt -202.10b / EBITDA 7.36b)
 Debt / FCF = 6.46 (negative FCF - burning cash) (Net Debt -202.10b / FCF TTM -31.27b)
 Total Stockholder Equity = 69.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.43% (Net Income 6.71b / Total Assets 1546.64b)
RoE = 9.61% (Net Income TTM 6.71b / Total Stockholder Equity 69.81b)
RoCE = -0.16% (EBIT -1.31b / Capital Employed (Total Assets 1546.64b - Current Liab 736.22b))
 RoIC = -0.44% (negative operating profit) (NOPAT -1.06b / Invested Capital 241.28b)
 WACC = 14.43% (E(46.88b)/V(213.96b) * Re(7.73%) + D(167.07b)/V(213.96b) * Rd(20.09%) * (1-Tc(0.19)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -33.33 | Cagr: -1.16%
 [DCF] Fair Price = unknown (Cash Flow -31.27b)
 EPS Correlation: 12.48 | EPS CAGR: 13.54% | SUE: 1.51 | # QB: 3
Revenue Correlation: 30.62 | Revenue CAGR: 34.91% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-06-30): EPS=2.00 | Chg7d=+0.000 | Chg30d=+0.010 | Revisions Net=+2 | Analysts=2
EPS current Year (2026-12-31): EPS=7.63 | Chg7d=-0.051 | Chg30d=-0.016 | Revisions Net=+1 | Growth EPS=+12.2% | Growth Revenue=+2.8%
EPS next Year (2027-12-31): EPS=8.86 | Chg7d=-0.019 | Chg30d=+0.032 | Revisions Net=-1 | Growth EPS=+16.1% | Growth Revenue=+3.6%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.7% (Discount Rate 7.9% - Earnings Yield 10.6%)
[Growth] Growth Spread = +6.3% (Analyst 3.6% - Implied -2.7%)