(GLE) Societe Generale S.A. - Overview
Stock: Retail Banking, Investment Banking, Private Banking, Leasing, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.38% |
| Yield on Cost 5y | 12.38% |
| Yield CAGR 5y | 32.59% |
| Payout Consistency | 81.2% |
| Payout Ratio | 30.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 32.1% |
| Relative Tail Risk | -10.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.19 |
| Alpha | 97.41 |
| Character TTM | |
|---|---|
| Beta | 0.346 |
| Beta Downside | 0.723 |
| Drawdowns 3y | |
|---|---|
| Max DD | 28.02% |
| CAGR/Max DD | 1.63 |
Description: GLE Societe Generale S.A. January 29, 2026
Société Générale (GLE) is a diversified French banking group that serves individuals, corporates and institutional clients across Europe and globally. Its operations are organised into three pillars: French Retail, Private Banking & Insurance; International Retail, Mobility & Leasing Services; and Global Banking & Investor Solutions, covering retail banking, consumer credit, vehicle leasing, wealth management, insurance, corporate-and-investment banking, securities, prime brokerage and asset-management services.
Recent financials (Q4 2025) show a net profit of €2.1 billion, a 5 % YoY increase, while the Common Equity Tier 1 (CET1) ratio rose to 14.5 %-above the regulatory minimum and the Eurozone average of ~13 %. The loan portfolio expanded 3 % YoY to €1.2 trillion, and net interest income (NII) margin held at 2.1 %, reflecting a modest benefit from the ECB’s policy rate of 4.0 % after the 2024 rate hikes. These figures are sourced from the bank’s Q4 2025 earnings release and Bloomberg data.
Key drivers for Société Générale’s outlook include: (1) the ECB’s monetary-policy stance, which directly influences NII and credit-cost dynamics; (2) the pace of digital-banking adoption in France, where mobile-only customers now represent ~30 % of the retail base, pressuring fee-based income but offering efficiency gains; and (3) regulatory capital requirements that may tighten under the Basel III finalisation, potentially constraining balance-sheet growth. The bank’s exposure to the French real-estate market and corporate loan quality remains a material risk, especially if economic growth stalls.
For a data-driven deep-dive into GLE’s valuation metrics and scenario analysis, you might find ValueRay’s interactive tools useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 5.47b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.25 > 1.0 |
| NWC/Revenue: -1797 % < 20% (prev -238.1%; Δ -1558 % < -1%) |
| CFO/TA -0.03 > 3% & CFO -44.00b > Net Income 5.47b |
| Net Debt (-39.85b) to EBITDA (8.35b): -4.77 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (785.5m) vs 12m ago -0.25% < -2% |
| Gross Margin: -74.31% > 18% (prev -0.19%; Δ -7412 % > 0.5%) |
| Asset Turnover: 1.65% > 50% (prev 1.51%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 0.02 > 6 (EBITDA TTM 8.35b / Interest Expense TTM 45.13b) |
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 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) |
| Altman-Z'' Score: -1.85 = D |
Beneish M -2.94
| DSRI: 0.62 (Receivables 14.48b/21.76b, Revenue 25.89b/24.01b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 1.52 (AQ_t 0.82 / AQ_t-1 0.54) |
| SGI: 1.08 (Revenue 25.89b / 24.01b) |
| TATA: 0.03 (NI 5.47b - CFO -44.00b) / TA 1551.49b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of GLE shares?
Over the past week, the price has changed by -4.10%, over one month by +3.13%, over three months by +27.56% and over the past year by +112.99%.
Is GLE a buy, sell or hold?
What are the forecasts/targets for the GLE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 75 | 3.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 100.8 | 38.8% |
GLE Fundamental Data Overview February 07, 2026
P/E Trailing = 13.2536
P/E Forward = 11.236
P/S = 2.1624
P/B = 0.8116
P/EG = 1.307
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 = 15.82b EUR (55.67b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
EV/FCF = -0.29x (Enterprise Value 15.82b / FCF TTM -54.08b)
FCF Yield = -341.8% (FCF TTM -54.08b / Enterprise Value 15.82b)
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 = -74.31% ((Revenue TTM 25.89b - Cost of Revenue TTM 45.13b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.01 (Enterprise Value 15.82b / 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 = 17.19% (E(55.67b)/V(228.39b) * Re(7.19%) + D(172.72b)/V(228.39b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.19% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.58%
Fair Price DCF = unknown (Cash Flow -54.08b)
EPS Correlation: -1.09 | EPS CAGR: 5.58% | SUE: 0.98 | # QB: 2
Revenue Correlation: -27.42 | Revenue CAGR: -0.17% | SUE: -0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.95 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=7.29 | Chg30d=+0.050 | Revisions Net=+4 | Growth EPS=+16.0% | Growth Revenue=+2.7%