(GLE) Societe Generale S.A. - Ratings and Ratios
Banking, Financial, Insurance, Investment, Asset Management
GLE EPS (Earnings per Share)
GLE Revenue
Description: GLE Societe Generale S.A.
Société Générale S.A. (PA:GLE) is a French multinational bank and financial services company that provides a wide range of banking and financial services to individuals, corporates, and institutional clients across Europe and globally. The company operates through three main divisions: French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions.
The bank offers a diverse range of products and services, including retail banking, consumer credit, vehicle leasing and fleet management, online banking, wealth management, and equipment and vendor finance services. Additionally, it provides insurance products, such as home, vehicle, family, health, and mortgage insurance, as well as corporate and investment banking, securities, clearing services, execution, prime brokerage, and custody services.
From a performance perspective, Société Générale has demonstrated a strong financial position, with a Return on Equity (RoE) of 7.46%. To further evaluate the banks performance, other key metrics such as the Tier 1 Capital Ratio, Net Interest Margin (NIM), and the Cost-to-Income Ratio can be considered. As a Regional Bank, Société Générales performance can also be benchmarked against its peers in the European banking sector.
Some key performance indicators (KPIs) to monitor for Société Générale include its loan growth, deposit growth, and the ratio of non-performing loans (NPLs) to total loans. The banks ability to generate revenue from its diverse range of products and services, as well as its ability to manage its capital and liquidity, are also important factors to consider. With a market capitalization of €38.87 billion, Société Générale is one of the largest banks in Europe, and its stock performance can be evaluated using metrics such as the price-to-earnings (P/E) ratio, which is currently 9.04.
GLE Stock Overview
| Market Cap in USD | 52,473m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
GLE Stock Ratings
| Growth Rating | 93.5% |
| Fundamental | 34.2% |
| Dividend Rating | 64.3% |
| Return 12m vs S&P 500 | 116% |
| Analyst Rating | - |
GLE Dividends
| Dividend Yield 12m | 3.56% |
| Yield on Cost 5y | 18.14% |
| Annual Growth 5y | 13.10% |
| Payout Consistency | 79.3% |
| Payout Ratio | 18.3% |
GLE Growth Ratios
| Growth Correlation 3m | 77.8% |
| Growth Correlation 12m | 98.2% |
| Growth Correlation 5y | 70.2% |
| CAGR 5y | 45.03% |
| CAGR/Max DD 3y | 1.52 |
| CAGR/Mean DD 3y | 6.61 |
| Sharpe Ratio 12m | 1.93 |
| Alpha | 0.10 |
| Beta | 0.716 |
| Volatility | 37.23% |
| Current Volume | 1531.7k |
| Average Volume 20d | 2275.4k |
| Stop Loss | 54.7 (-3.3%) |
| Signal | -0.49 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (5.47b TTM) > 0 and > 6% of Revenue (6% = 3.11b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA -2.16pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -898.0% (prev -135.7%; Δ -762.3pp) (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 (10.90b) ratio: -3.65 <= 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 12.88% (prev 31.96%; Δ -19.08pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.30% (prev 2.65%; Δ 0.65pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.02 (EBITDA TTM 10.90b / 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) 34.16
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield -3.41% = -1.70 |
| 3. FCF Margin -41.57% = -7.50 |
| 4. Debt/Equity 11.72 = -2.50 |
| 5. Debt/Ebitda 73.40 = -2.50 |
| 6. ROIC - WACC (= -4.27)% = -5.34 |
| 7. RoE 7.91% = 0.66 |
| 8. Rev. Trend 56.90% = 4.27 |
| 9. EPS Trend 5.45% = 0.27 |
What is the price of GLE shares?
Over the past week, the price has changed by +1.36%, over one month by -2.04%, over three months by +17.80% and over the past year by +156.01%.
Is Societe Generale S.A. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GLE is around 73.09 EUR . This means that GLE is currently undervalued and has a potential upside of +29.18% (Margin of Safety).
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 | 62.5 | 10.4% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 78.6 | 38.9% |
GLE Fundamental Data Overview
Market Cap EUR = 44.41b (44.41b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 212.56b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.6482
P/E Forward = 8.3264
P/S = 1.7153
P/B = 0.6302
P/EG = 0.968
Beta = 1.297
Revenue TTM = 51.80b EUR
EBIT TTM = 817.0m EUR
EBITDA TTM = 10.90b EUR
Long Term Debt = 779.83b EUR (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 20.41b EUR (from shortTermDebt, last quarter)
Debt = 800.24b EUR (Calculated: Short Term 20.41b + Long Term 779.83b)
Net Debt = -39.85b EUR (from netDebt column, last quarter)
Enterprise Value = 632.09b EUR (44.41b + Debt 800.24b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
FCF Yield = -3.41% (FCF TTM -21.53b / Enterprise Value 632.09b)
FCF Margin = -41.57% (FCF TTM -21.53b / Revenue TTM 51.80b)
Net Margin = 10.56% (Net Income TTM 5.47b / Revenue TTM 51.80b)
Gross Margin = 12.88% ((Revenue TTM 51.80b - Cost of Revenue TTM 45.13b) / Revenue TTM)
Tobins Q-Ratio = 15.49 (Enterprise Value 632.09b / Book Value Of Equity 40.80b)
Interest Expense / Debt = 5.64% (Interest Expense 45.13b / Debt 800.24b)
Taxrate = 23.79% (1.60b / 6.73b)
NOPAT = 622.6m (EBIT 817.0m * (1 - 23.79%))
Current Ratio = 0.33 (Total Current Assets 229.07b / Total Current Liabilities 694.20b)
Debt / Equity = 11.72 (Debt 800.24b / last Quarter total Stockholder Equity 68.29b)
Debt / EBITDA = 73.40 (Net Debt -39.85b / EBITDA 10.90b)
Debt / FCF = -37.17 (Debt 800.24b / FCF TTM -21.53b)
Total Stockholder Equity = 69.14b (last 4 quarters mean)
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 = 0.10% (Ebit 817.0m / (Equity 69.14b + L.T.Debt 779.83b))
RoIC = 0.26% (NOPAT 622.6m / Invested Capital 244.08b)
WACC = 4.53% (E(44.41b)/V(844.65b) * Re(8.65%)) + (D(800.24b)/V(844.65b) * Rd(5.64%) * (1-Tc(0.24)))
Shares Correlation 3-Years: -10.69 | Cagr: 0.01%
Discount Rate = 8.65% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -21.53b)
EPS Correlation: 5.45 | EPS CAGR: -4.39% | SUE: 0.89 | # QB: 1
Revenue Correlation: 56.90 | Revenue CAGR: 35.86% | SUE: N/A | # QB: None