GLE Stock Analysis: Societe Generale S.A. | PA
Banks - Regional | PA, France | Market Cap: 48.778m EUR | 12M Return: 19% | FR0000130809 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 153M
EPS Trend: 85.4%
Qual. Beats: 4
Rev. Trend: 77.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Société Générale S.A. (PA: GLE) is a French universal bank founded in 1864 and headquartered in Paris, providing banking and financial services to individuals, corporates, and institutional clients across Europe and internationally. The company operates through three main segments: French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions.
Its service offering spans retail banking (consumer credit, online banking, vehicle leasing and fleet management), insurance products (home, vehicle, health, and mortgage), and corporate and investment banking services including securities, clearing, prime brokerage, custody, advisory, and asset management. As a large-cap European regional bank in the Financials sector, Société Générale follows a diversified universal banking model common among major French banks, combining retail, insurance, and capital markets activities under one group.
- Net interest margin expands as ECB rate cycle peaks
- Global Banking and Investor Solutions revenue tied to fixed income trading
- Cost reduction program targets improved return on equity
| Net Income: 7.95b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: -579.0% < 20% (prev -1.80k%; Δ 1.22k% < -1%) |
| CFO/TA -0.01 > 3% & CFO -19.6b > Net Income 7.95b |
| Net Debt (-232b) to EBITDA (24.3b): -9.51 < 3 |
| Current Ratio: 0.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (742.7m) vs 12m ago -5.45% < -2% |
| Gross Margin: 48.76% > 18% (prev -74.31%; Δ 123.1% > 0.5%) |
| Asset Turnover: 4.06% > 50% (prev 1.67%; Δ 2.39% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBIT TTM 14.1b / Interest Expense TTM 33.6b) |
| A: -0.23 (Total Current Assets 407b - Total Current Liabilities 786b) / Total Assets 1673b |
| B: 0.03 (Retained Earnings 43.9b / Total Assets 1673b) |
| C: 0.01 (EBIT TTM 14.1b / Avg Total Assets 1612b) |
| D: 0.04 (Book Value of Equity 71.6b / Total Liabilities 1593b) |
| Altman-Z'' = -1.30 = CCC |
| DSRI: 0.10 (Receivables 1.12b/14.5b, Revenue 65.5b/25.9b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.89 (AQ_t 0.72 / AQ_t-1 0.82) |
| SGI: 2.53 (Revenue 65.5b / 25.9b) |
| TATA: 0.02 (NI 7.95b - CFO -19.6b) / TA 1673b) |
| Beneish M = -2.74 (Cap -4..+1) = A |
As of October 11, 2026, the stock is trading at EUR 63.04 with a total of 2,105,332 shares traded. Over the past week, the price has changed by -3.83%, over one month by -13.24%, over three months by -12.91% and over the past year by +18.96%.
Current recommended Stop Loss: 60.10 (which is 4.7% or 1.3 ATR below the current price).
Societe Generale S.A. has no consensus analysts rating.
P/E Trailing = 8.8218
P/E Forward = 8.4962
P/S = 1.872
P/B = 0.7302
P/EG = 1.807
Revenue TTM = 65.5b EUR
EBIT TTM = 14.1b EUR
EBITDA TTM = 24.3b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 172b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -232b EUR (calculated: Debt 172b - CCE 404b)
Enterprise Value = 48.8b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.42 (Ebit TTM 14.1b / Interest Expense TTM 33.6b)
EV/FCF = -1.68x (Enterprise Value 48.8b / FCF TTM -29.0b)
FCF Yield = -59.47% (FCF TTM -29.0b / Enterprise Value 48.8b)
FCF Margin = -44.29% (FCF TTM -29.0b / Revenue TTM 65.5b)
Net Margin = 12.14% (Net Income TTM 7.95b / Revenue TTM 65.5b)
Gross Margin = 48.76% ((Revenue TTM 65.5b - Cost of Revenue TTM 33.6b) / Revenue TTM)
Gross Margin QoQ = -15.72% (prev none%)
Tobins Q-Ratio = 0.03 (Enterprise Value 48.8b / Total Assets 1673b)
Interest Expense / Debt = 19.47% (Interest Expense 33.6b / Debt 172b)
Taxrate = 20.23% (2.35b / 11.6b)
NOPAT = 11.2b (EBIT 14.1b * (1 - 20.23%))
Current Ratio = 0.52 (Total Current Assets 407b / Total Current Liabilities 786b)
Debt / Equity = 2.41 (Debt 172b / totalStockholderEquity, last quarter 71.6b)
Debt / EBITDA = -9.51 (Net Debt -232b / EBITDA 24.3b)
Debt / FCF = 7.98 (negative FCF - burning cash) (Net Debt -232b / FCF TTM -29.0b)
Total Stockholder Equity = 70.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.49% (Net Income 7.95b / Total Assets 1673b)
RoE = 11.25% (Net Income TTM 7.95b / Total Stockholder Equity 70.7b)
RoCE = 1.58% (EBIT 14.1b / Capital Employed (Total Assets 1673b - Current Liab 786b))
RoIC = 1.27% (NOPAT 11.2b / Invested Capital 884b)
WACC = 13.81% (E(48.8b)/V(221b) * Re(7.73%) + D(172b)/V(221b) * Rd(19.47%) * (1-Tc(0.20)))
Discount Rate = 7.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -40.79 | Cagr: -3.13%
[DCF] Fair Price = unknown (Cash Flow -29.0b)
EPS Correlation: 85.43 | EPS CAGR: 46.09% | SUE: 0.86 | # QB: 4
Revenue Correlation: 77.01 | Revenue CAGR: 40.18% | SUE: 0.35 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.06 | Chg30d=+0.29% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=7.96 | Chg30d=+0.62% | Revisions=+22% | GrowthEPS=+17.1% | GrowthRev=+2.4%
EPS next Year (2027-12-31): EPS=9.17 | Chg30d=+1.62% | Revisions=+30% | GrowthEPS=+15.2% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +31% (up=9, down=4)