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

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

Retail, Corporate, Investment, Private, Insurance

Stock: Regional Banks
Age -

MCap 62,043m
Avg Vol 1.70M (119M EUR)

Beta 0.354
Volatility 28.09%

EPS (Earnings per Share)

EPS CAGR: 8.32%
EPS Trend: 0.9%

Last SUE: 1.55
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	13.71%
Yield CAGR 5y	32.59%
Payout Consistency	81.2%
Payout Ratio	30.3%

Risk via 5d forecast
Volatility	28.1%
Value at Risk 5%th	41.1%
Relative Tail Risk	-10.97%

Reward TTM
Sharpe Ratio	2.51
Alpha	128.15
CAGR/Max DD	1.53

Character TTM
Hurst Exponent	0.568
Beta	0.354
Beta Downside	0.715

Drawdowns 3y
Max DD	29.47%
Mean DD	8.79%
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
FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.25 > 1.0
NWC/Revenue: -1797 % < 20% (prev -238.1%; Δ -1558 % < -1%)
CFO/TA -0.03 > 3% & CFO -44.00b > Net Income 5.47b
Net Debt (-39.85b) to EBITDA (8.35b): -4.77 < 3
Current Ratio: 0.33 > 1.5 & < 3
Outstanding Shares: last quarter (785.5m) vs 12m ago -0.25% < -2%
Gross Margin: -74.31% > 18% (prev -0.19%; Δ -7412 % > 0.5%)
Asset Turnover: 1.65% > 50% (prev 1.51%; Δ 0.14% > 0%)
Interest Coverage Ratio: 0.02 > 6 (EBITDA TTM 8.35b / Interest Expense TTM 45.13b)

Altman Z'' (< 1.1 .. > 2.6) -1.85

A: -0.30 (Total Current Assets 229.07b - Total Current Liabilities 694.20b) / Total Assets 1551.49b
B: 0.03 (Retained Earnings 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= D

ValueRay F-Score (Strict, 0-100) 37.10

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: -17.04%
7. RoE: 7.91%
8. Revenue Trend: -27.42%
9. EPS Trend: 0.94%

What is the price of GLE shares?

As of January 22, 2026, the stock is trading at EUR 68.70 with a total of 1,621,238 shares traded.
Over the past week, the price has changed by -2.83%, over one month by +1.27%, over three months by +29.33% and over the past year by +142.48%.

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	71.5	4.1%
Analysts Target Price	-	-
ValueRay Target Price	95.1	38.5%

GLE Fundamental Data Overview January 20, 2026

Market Cap USD = 62.04b (53.15b EUR * 1.1673 EUR.USD)
P/E Trailing = 12.5571
P/E Forward = 10.4384
P/S = 2.0646
P/B = 0.7598
P/EG = 1.2141
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 = 13.30b EUR (53.15b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
EV/FCF = -0.25x (Enterprise Value 13.30b / FCF TTM -54.08b)
FCF Yield = -406.5% (FCF TTM -54.08b / Enterprise Value 13.30b)
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 13.30b / 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 = 17.30% (E(53.15b)/V(225.87b) * Re(7.22%) + D(172.72b)/V(225.87b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.22% (= 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: 0.94 | EPS CAGR: 8.32% | SUE: 1.55 | # 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=+0.005 | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=7.24 | Chg30d=+0.022 | Revisions Net=+0 | Growth EPS=+14.5% | Growth Revenue=+2.7%

Additional Sources for GLE Stock

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