GLE Stock Analysis: Societe Generale S.A. | PA
Banks - Regional | PA, France | Market Cap: 59.734m EUR | 12M Return: 49% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 103M
EPS Trend: 85.4%
Qual. Beats: 4
Rev. Trend: 77.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 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 (GLE) is a major French banking and financial services group headquartered in Paris, operating across Europe and internationally since its incorporation in 1864. The company is organized into three core divisions: French Retail, Private Banking and Insurance; International Retail, Mobility and Leasing Services; and Global Banking and Investor Solutions. These units collectively serve individuals, corporates, and institutional clients.
The groups offerings span retail and consumer banking, vehicle leasing and fleet management, wealth management, and equipment/vendor finance, alongside a range of insurance products (home, vehicle, family, health, mortgage). It also delivers corporate and investment banking, securities clearing, execution, prime brokerage, custody, advisory, financing, and asset management services.
As a large-cap European universal bank, Société Générale combines traditional retail banking with capital markets and investor solutions under one platform, similar to other diversified financial groups such as BNP Paribas. Its integrated model allows cross-selling across retail, corporate, and institutional client segments, with international retail and mobility/leasing providing geographic and business-line diversification beyond the French domestic market.
- Net interest margins compress as ECB cuts rates
- Russia exit drives asset writedowns and divestment costs
- Investment banking revenue grows on sustained client trading activity
| Net Income: 9.64b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: -580.0% < 20% (prev -1.80k%; Δ 1.22k% < -1%) |
| CFO/TA -0.01 > 3% & CFO -19.6b > Net Income 9.64b |
| 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: 48.66% > 18% (prev -74.31%; Δ 123.0% > 0.5%) |
| Asset Turnover: 4.05% > 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 65.4b/25.9b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 0.89 (AQ_t 0.72 / AQ_t-1 0.82) |
| SGI: 2.53 (Revenue 65.4b / 25.9b) |
| TATA: 0.02 (NI 9.64b - CFO -19.6b) / TA 1673b) |
| Beneish M = -2.74 (Cap -4..+1) = A |
As of August 02, 2026, the stock is trading at EUR 81.31 with a total of 2,022,436 shares traded. Over the past week, the price has changed by +5.36%, over one month by +5.09%, over three months by +20.49% and over the past year by +49.03%.
Current recommended Stop Loss: 78.50 (which is 3.5% or 1.2 ATR below the current price).
Societe Generale S.A. has no consensus analysts rating.
P/E Trailing = 11.5199
P/E Forward = 10.0402
P/S = 2.3162
P/B = 0.7959
P/EG = 2.1352
Revenue TTM = 65.4b 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 = 59.7b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.42 (Ebit TTM 14.1b / Interest Expense TTM 33.6b)
EV/FCF = -2.06x (Enterprise Value 59.7b / FCF TTM -29.0b)
FCF Yield = -48.56% (FCF TTM -29.0b / Enterprise Value 59.7b)
FCF Margin = -44.37% (FCF TTM -29.0b / Revenue TTM 65.4b)
Net Margin = 14.75% (Net Income TTM 9.64b / Revenue TTM 65.4b)
Gross Margin = 48.66% ((Revenue TTM 65.4b - Cost of Revenue TTM 33.6b) / Revenue TTM)
Gross Margin QoQ = 94.79% (prev none%)
Tobins Q-Ratio = 0.04 (Enterprise Value 59.7b / Total Assets 1673b)
Interest Expense / Debt = 19.47% (Interest Expense 33.6b / Debt 172b)
Taxrate = 20.50% (2.90b / 14.1b)
NOPAT = 11.2b (EBIT 14.1b * (1 - 20.50%))
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 = 0.60% (Net Income 9.64b / Total Assets 1673b)
RoE = 13.65% (Net Income TTM 9.64b / Total Stockholder Equity 70.7b)
RoCE = 1.58% (EBIT 14.1b / Capital Employed (Total Assets 1673b - Current Liab 786b))
RoIC = 1.26% (NOPAT 11.2b / Invested Capital 884b)
WACC = 13.40% (E(59.7b)/V(232b) * Re(7.42%) + D(172b)/V(232b) * Rd(19.47%) * (1-Tc(0.20)))
Discount Rate = 7.42% (= 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: 77.00 | Revenue CAGR: 40.15% | SUE: 0.34 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.04 | Chg30d=+1.49% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=7.83 | Chg30d=+1.78% | Revisions=+29% | GrowthEPS=+15.1% | GrowthRev=+2.2%
EPS next Year (2027-12-31): EPS=8.93 | Chg30d=+0.25% | Revisions=+22% | GrowthEPS=+14.1% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +31% (up=7, down=3)