(GLE) Societe Generale S.A. - Ratings and Ratios
Exchange: PA •
Country: France •
Currency: EUR •
Type: Common Stock •
ISIN: FR0000130809
Retail Banking, Corporate Banking, Investment Banking, Asset Management, Insurance
Dividends
| Dividend Yield | 2.81% |
| Yield on Cost 5y | 12.03% |
| Yield CAGR 5y | 17.84% |
| Payout Consistency | 78.4% |
| Payout Ratio | 30.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.5% |
| Value at Risk 5%th | 44.6% |
| Relative Tail Risk | -11.13% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.50 |
| Alpha | 133.65 |
| CAGR/Max DD | 1.50 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.637 |
| Beta | 0.341 |
| Beta Downside | 0.651 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.53% |
| Mean DD | 8.87% |
| Median DD | 7.10% |
Description: GLE Societe Generale S.A. December 04, 2025
Société Générale (GLE) is a diversified French banking group offering retail, private banking, insurance, corporate-and-investment banking, and asset-management services across Europe and globally. Its operating segments include French Retail, International Retail, Mobility & Leasing, and Global Banking & Investor Solutions, covering products such as consumer credit, vehicle leasing, wealth management, and a full suite of securities and custody services.
Key performance indicators as of FY 2023 show a Return on Equity (ROE) of roughly 8.5 % and a Common Equity Tier 1 (CET1) ratio of 13.2 %, reflecting solid capital strength amid a tightening European regulatory environment. The bank’s net interest income benefited from the European Central Bank’s recent rate hikes, while digital banking adoption grew double-digit year-over-year, offsetting pressure from lower loan-to-value ratios in the mortgage portfolio. A primary sector driver remains the spread between loan yields and funding costs, which is highly sensitive to macro-economic shifts in interest rates and credit quality across the Eurozone.
For a deeper quantitative assessment, you may want to explore ValueRay’s detailed valuation models for GLE.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (5.47b TTM) > 0 and > 6% of Revenue (6% = 1.55b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -4.25pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1797 % (prev -135.7%; Δ -1661 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.03 (>3.0%) and CFO -44.00b <= Net Income 5.47b (YES >=105%, WARN >=100%) |
| Net Debt (-39.85b) to EBITDA (8.35b) ratio: -4.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (785.5m) change vs 12m ago -0.25% (target <= -2.0% for YES) |
| Gross Margin 18.41% (prev 31.96%; Δ -13.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 1.65% (prev 2.65%; Δ -1.00pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.02 (EBITDA TTM 8.35b / Interest Expense TTM 45.13b) >= 6 (WARN >= 3) |
Altman Z'' -1.85
| (A) -0.30 = (Total Current Assets 229.07b - Total Current Liabilities 694.20b) / Total Assets 1551.49b |
| (B) 0.03 = Retained Earnings (Balance) 39.80b / Total Assets 1551.49b |
| (C) 0.00 = EBIT TTM 817.0m / Avg Total Assets 1571.82b |
| (D) 0.03 = Book Value of Equity 40.80b / Total Liabilities 1474.03b |
| Total Rating: -1.85 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.70
| 1. Piotroski 3.50pt |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity 2.53 |
| 5. Debt/Ebitda -4.77 |
| 6. ROIC - WACC (= -17.45)% |
| 7. RoE 7.91% |
| 8. Rev. Trend 19.21% |
| 9. EPS Trend 2.83% |
What is the price of GLE shares?
As of December 04, 2025, the stock is trading at EUR 60.52 with a total of 2,011,282 shares traded.
Over the past week, the price has changed by +1.71%, over one month by +10.52%, over three months by +15.88% and over the past year by +158.00%.
Over the past week, the price has changed by +1.71%, over one month by +10.52%, over three months by +15.88% and over the past year by +158.00%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 65.4 | 8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 83.6 | 38.1% |
GLE Fundamental Data Overview November 27, 2025
Market Cap USD = 52.01b (44.58b EUR * 1.1666 EUR.USD)
Market Cap EUR = 44.58b (44.58b EUR * 1.0 EUR.EUR)
P/E Trailing = 10.4107
P/E Forward = 8.4317
P/S = 1.7316
P/B = 0.622
P/EG = 0.9806
Beta = 0.962
Revenue TTM = 25.89b EUR
EBIT TTM = 817.0m EUR
EBITDA TTM = 8.35b EUR
Long Term Debt = 152.31b EUR (estimated: total debt 172.72b - short term 20.41b)
Short Term Debt = 20.41b EUR (from shortTermDebt, last quarter)
Debt = 172.72b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -39.85b EUR (from netDebt column, last quarter)
Enterprise Value = 4.73b EUR (44.58b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
FCF Yield = -1143 % (FCF TTM -54.08b / Enterprise Value 4.73b)
FCF Margin = -208.9% (FCF TTM -54.08b / Revenue TTM 25.89b)
Net Margin = 21.12% (Net Income TTM 5.47b / Revenue TTM 25.89b)
Gross Margin = 18.41% ((Revenue TTM 25.89b - Cost of Revenue TTM 21.12b) / Revenue TTM)
Gross Margin QoQ = 81.73% (prev 29.57%)
Tobins Q-Ratio = 0.00 (Enterprise Value 4.73b / Total Assets 1551.49b)
Interest Expense / Debt = 26.13% (Interest Expense 45.13b / Debt 172.72b)
Taxrate = 21.89% (477.0m / 2.18b)
NOPAT = 638.2m (EBIT 817.0m * (1 - 21.89%))
Current Ratio = 0.33 (Total Current Assets 229.07b / Total Current Liabilities 694.20b)
Debt / Equity = 2.53 (Debt 172.72b / totalStockholderEquity, last quarter 68.29b)
Debt / EBITDA = -4.77 (Net Debt -39.85b / EBITDA 8.35b)
Debt / FCF = 0.74 (negative FCF - burning cash) (Net Debt -39.85b / FCF TTM -54.08b)
Total Stockholder Equity = 69.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.35% (Net Income 5.47b / Total Assets 1551.49b)
RoE = 7.91% (Net Income TTM 5.47b / Total Stockholder Equity 69.14b)
RoCE = 0.37% (EBIT 817.0m / Capital Employed (Equity 69.14b + L.T.Debt 152.31b))
RoIC = 0.26% (NOPAT 638.2m / Invested Capital 244.08b)
WACC = 17.71% (E(44.58b)/V(217.30b) * Re(7.27%) + D(172.72b)/V(217.30b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.58%
Fair Price DCF = unknown (Cash Flow -54.08b)
EPS Correlation: 2.83 | EPS CAGR: 8.32% | SUE: 1.29 | # QB: 1
Revenue Correlation: 19.21 | Revenue CAGR: -0.92% | SUE: -0.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.99 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=7.19 | Chg30d=+0.335 | Revisions Net=+7 | Growth EPS=+14.6% | Growth Revenue=+2.7%
Market Cap EUR = 44.58b (44.58b EUR * 1.0 EUR.EUR)
P/E Trailing = 10.4107
P/E Forward = 8.4317
P/S = 1.7316
P/B = 0.622
P/EG = 0.9806
Beta = 0.962
Revenue TTM = 25.89b EUR
EBIT TTM = 817.0m EUR
EBITDA TTM = 8.35b EUR
Long Term Debt = 152.31b EUR (estimated: total debt 172.72b - short term 20.41b)
Short Term Debt = 20.41b EUR (from shortTermDebt, last quarter)
Debt = 172.72b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -39.85b EUR (from netDebt column, last quarter)
Enterprise Value = 4.73b EUR (44.58b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
FCF Yield = -1143 % (FCF TTM -54.08b / Enterprise Value 4.73b)
FCF Margin = -208.9% (FCF TTM -54.08b / Revenue TTM 25.89b)
Net Margin = 21.12% (Net Income TTM 5.47b / Revenue TTM 25.89b)
Gross Margin = 18.41% ((Revenue TTM 25.89b - Cost of Revenue TTM 21.12b) / Revenue TTM)
Gross Margin QoQ = 81.73% (prev 29.57%)
Tobins Q-Ratio = 0.00 (Enterprise Value 4.73b / Total Assets 1551.49b)
Interest Expense / Debt = 26.13% (Interest Expense 45.13b / Debt 172.72b)
Taxrate = 21.89% (477.0m / 2.18b)
NOPAT = 638.2m (EBIT 817.0m * (1 - 21.89%))
Current Ratio = 0.33 (Total Current Assets 229.07b / Total Current Liabilities 694.20b)
Debt / Equity = 2.53 (Debt 172.72b / totalStockholderEquity, last quarter 68.29b)
Debt / EBITDA = -4.77 (Net Debt -39.85b / EBITDA 8.35b)
Debt / FCF = 0.74 (negative FCF - burning cash) (Net Debt -39.85b / FCF TTM -54.08b)
Total Stockholder Equity = 69.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.35% (Net Income 5.47b / Total Assets 1551.49b)
RoE = 7.91% (Net Income TTM 5.47b / Total Stockholder Equity 69.14b)
RoCE = 0.37% (EBIT 817.0m / Capital Employed (Equity 69.14b + L.T.Debt 152.31b))
RoIC = 0.26% (NOPAT 638.2m / Invested Capital 244.08b)
WACC = 17.71% (E(44.58b)/V(217.30b) * Re(7.27%) + D(172.72b)/V(217.30b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.58%
Fair Price DCF = unknown (Cash Flow -54.08b)
EPS Correlation: 2.83 | EPS CAGR: 8.32% | SUE: 1.29 | # QB: 1
Revenue Correlation: 19.21 | Revenue CAGR: -0.92% | SUE: -0.10 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.99 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=7.19 | Chg30d=+0.335 | Revisions Net=+7 | Growth EPS=+14.6% | Growth Revenue=+2.7%