(GLE) Societe Generale S.A. - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 48.555m EUR | Total Return: 44.5% in 12m
Avg Turnover: 112M
EPS Trend: 61.7%
Qual. Beats: 3
Rev. Trend: 62.3%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Société Générale S.A. (GLE) is a diversified financial services group headquartered in Paris, operating across three primary pillars: French Retail Banking, International Retail and Mobility Services, and Global Banking and Investor Solutions. Established in 1864, the institution provides a broad spectrum of services including consumer credit, investment banking, asset management, and specialized vehicle leasing through its Ayvens subsidiary.
The company functions as a Universal Bank, a business model that integrates commercial banking with investment banking to diversify revenue streams and stabilize earnings across different economic cycles. Within the European banking sector, Société Générale is classified as a Global Systemically Important Bank (G-SIB), meaning it is subject to more stringent capital requirements and regulatory oversight due to its size and interconnectedness.
For a detailed breakdown of the firms fundamental performance, consult the data available on ValueRay. Those interested in the European financial landscape may find the groups exposure to international emerging markets and its transition toward digital banking platforms particularly relevant for long-term valuation.
- French retail banking net interest margin recovery drives core profitability
- Ayvens fleet management integration determines international retail segment earnings growth
- Global Banking and Investor Solutions performance dictates investment banking revenue volatility
- European Central Bank monetary policy shifts impact net interest income outlook
- Cost reduction initiatives and operational efficiency targets influence medium-term equity valuation
| Net Income: 7.61b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.40 > 1.0 |
| NWC/Revenue: -866.0% < 20% (prev -1.76k%; Δ 889.6% < -1%) |
| CFO/TA -0.01 > 3% & CFO -19.6b > Net Income 7.61b |
| Net Debt (8.60b) to EBITDA (24.5b): 0.35 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (742.5m) vs 12m ago -6.63% < -2% |
| Gross Margin: 41.66% > 18% (prev -0.11%; Δ 4.18k% > 0.5%) |
| Asset Turnover: 3.62% > 50% (prev 1.66%; Δ 1.96% > 0%) |
| Interest Coverage Ratio: 0.91 > 6 (EBITDA TTM 24.5b / Interest Expense TTM 15.7b) |
| A: -0.31 (Total Current Assets 159b - Total Current Liabilities 657b) / Total Assets 1627b |
| B: 0.03 (Retained Earnings 43.2b / Total Assets 1627b) |
| C: 0.01 (EBIT TTM 14.3b / Avg Total Assets 1591b) |
| D: 0.04 (Book Value of Equity 60.7b / Total Liabilities 1547b) |
| Altman-Z'' = -1.82 = D |
| DSRI: 0.14 (Receivables 4.31b/13.9b, Revenue 57.5b/25.8b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 1.02 (AQ_t 0.87 / AQ_t-1 0.85) |
| SGI: 2.23 (Revenue 57.5b / 25.8b) |
| TATA: 0.02 (NI 7.61b - CFO -19.6b) / TA 1627b) |
| Beneish M = -2.82 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at EUR 68.40 with a total of 1,799,455 shares traded.
Over the past week, the price has changed by +3.44%,
over one month by -2.23%,
over three months by -7.55% and
over the past year by +44.48%.
Societe Generale S.A. has no consensus analysts rating.
P/E Trailing = 9.4474
P/E Forward = 9.0416
P/S = 1.8828
P/B = 0.7114
P/EG = 1.9241
Revenue TTM = 57.5b EUR
EBIT TTM = 14.3b EUR
EBITDA TTM = 24.5b EUR
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = 163b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 8.60b EUR (calculated: Debt 163b - CCE 155b)
Enterprise Value = 57.2b EUR (48.6b + Debt 163b - CCE 155b)
Interest Coverage Ratio = 0.91 (Ebit TTM 14.3b / Interest Expense TTM 15.7b)
EV/FCF = -1.97x (Enterprise Value 57.2b / FCF TTM -29.0b)
FCF Yield = -50.76% (FCF TTM -29.0b / Enterprise Value 57.2b)
FCF Margin = -50.43% (FCF TTM -29.0b / Revenue TTM 57.5b)
Net Margin = 13.23% (Net Income TTM 7.61b / Revenue TTM 57.5b)
Gross Margin = 41.66% ((Revenue TTM 57.5b - Cost of Revenue TTM 33.6b) / Revenue TTM)
Gross Margin QoQ = none% (prev 55.47%)
Tobins Q-Ratio = 0.04 (Enterprise Value 57.2b / Total Assets 1627b)
Interest Expense / Debt = 9.65% (Interest Expense 15.7b / Debt 163b)
Taxrate = 21.75% (542.0m / 2.49b)
NOPAT = 11.2b (EBIT 14.3b * (1 - 21.75%))
Current Ratio = 0.24 (Total Current Assets 159b / Total Current Liabilities 657b)
Debt / Equity = 2.30 (Debt 163b / totalStockholderEquity, last quarter 71.0b)
Debt / EBITDA = 0.35 (Net Debt 8.60b / EBITDA 24.5b)
Debt / FCF = -0.30 (negative FCF - burning cash) (Net Debt 8.60b / FCF TTM -29.0b)
Total Stockholder Equity = 69.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 7.61b / Total Assets 1627b)
RoE = 10.90% (Net Income TTM 7.61b / Total Stockholder Equity 69.8b)
RoCE = 1.47% (EBIT 14.3b / Capital Employed (Total Assets 1627b - Current Liab 657b))
RoIC = 1.15% (NOPAT 11.2b / Invested Capital 970b)
WACC = 7.52% (E(48.6b)/V(212b) * Re(7.44%) + D(163b)/V(212b) * Rd(9.65%) * (1-Tc(0.22)))
Discount Rate = 7.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -55.56 | Cagr: -2.97%
[DCF] Fair Price = unknown (Cash Flow -29.0b)
EPS Correlation: 61.71 | EPS CAGR: 28.76% | SUE: 1.41 | # QB: 3
Revenue Correlation: 62.33 | Revenue CAGR: 24.76% | SUE: -0.00 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.97 | Chg30d=-1.70% | Revisions=-33% | Analysts=3
EPS next Quarter (2026-09-30): EPS=2.00 | Chg30d=-4.75% | Revisions=-33% | Analysts=3
EPS current Year (2026-12-31): EPS=7.68 | Chg30d=+1.40% | Revisions=+47% | GrowthEPS=+13.0% | GrowthRev=+2.2%
EPS next Year (2027-12-31): EPS=8.91 | Chg30d=+0.87% | Revisions=+33% | GrowthEPS=+16.0% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +47%