(GLE) Societe Generale S.A. - Ratings and Ratios

Exchange: PA • Country: France • Currency: EUR • Type: Common Stock • ISIN: FR0000130809

Retail, Corporate, Investment, Private, Insurance

Regional Banks
Market Cap in USD: 60,902m

IPO / Inception:
12m vs SPY: 119%

EPS (Earnings per Share)

EPS CAGR: 5.58%
EPS Trend: -1.1%

Last SUE: 0.99
Qual. Beats: 1

Revenue

Rev. CAGR: -0.17%
Rev. Trend: -27.4%

Last SUE: -0.62
Qual. Beats: 0

Dividends

Dividend Yield	3.38%
Yield on Cost 5y	12.30%
Yield CAGR 5y	32.59%
Payout Consistency	81.2%
Payout Ratio	30.3%

Risk via 5d forecast
Volatility	28.7%
Value at Risk 5%th	42.0%
Relative Tail Risk	-10.93%

Reward TTM
Sharpe Ratio	2.67
Alpha	144.74
CAGR/Max DD	1.47

Character TTM
Hurst Exponent	0.602
Beta	0.358
Beta Downside	0.731

Drawdowns 3y
Max DD	29.53%
Mean DD	8.83%
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 -238.1%; Δ -1558 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 -74.31% (prev -19.39%; Δ -54.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 1.65% (prev 1.51%; Δ 0.14pp) >=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

(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) 37.00

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 (= -17.08)%

7. RoE 7.91%

8. Rev. Trend -27.42%

9. EPS Trend -1.09%

What is the price of GLE shares?

As of January 15, 2026, the stock is trading at EUR 70.70 with a total of 2,242,009 shares traded.
Over the past week, the price has changed by +2.29%, over one month by +9.88%, over three months by +28.50% and over the past year by +162.57%.

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	68.2	-3.6%
Analysts Target Price	-	-
ValueRay Target Price	97.2	37.5%

GLE Fundamental Data Overview January 14, 2026

Market Cap USD = 60.90b (52.30b EUR * 1.1645 EUR.USD)
P/E Trailing = 12.3571
P/E Forward = 10.3306
P/S = 2.0315
P/B = 0.7523
P/EG = 1.2016
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 = 12.45b EUR (52.30b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
EV/FCF = -0.23x (Enterprise Value 12.45b / FCF TTM -54.08b)
FCF Yield = -434.3% (FCF TTM -54.08b / Enterprise Value 12.45b)
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 = 100.0% (prev 100.0%)
Tobins Q-Ratio = 0.01 (Enterprise Value 12.45b / 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 = 17.35% (E(52.30b)/V(225.02b) * Re(7.23%) + D(172.72b)/V(225.02b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.23% (= 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: 0.99 | # QB: 1
Revenue Correlation: -27.42 | Revenue CAGR: -0.17% | SUE: -0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.95 | Chg30d=N/A | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=7.24 | Chg30d=+0.017 | Revisions Net=+2 | Growth EPS=+14.6% | Growth Revenue=+2.6%

Additional Sources for GLE Stock

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