(GLE) Societe Generale S.A. - Ratings and Ratios
Retail Banking, Private Banking, Investment Banking, Asset Management, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.84% |
| Yield on Cost 5y | 12.83% |
| Yield CAGR 5y | 17.84% |
| Payout Consistency | 78.4% |
| Payout Ratio | 30.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.1% |
| Value at Risk 5%th | 44.3% |
| Relative Tail Risk | -10.37% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.70 |
| Alpha | 147.43 |
| CAGR/Max DD | 1.49 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.610 |
| Beta | 0.338 |
| Beta Downside | 0.653 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.53% |
| Mean DD | 8.87% |
| Median DD | 7.10% |
Description: GLE Societe Generale S.A. September 29, 2025
Société Générale (GLE) is a diversified European banking group that serves individuals, corporates, and institutional clients through three main operating segments: French Retail, Private Banking & Insurance; International Retail, Mobility & Leasing Services; and Global Banking & Investor Solutions. Its product suite spans consumer credit, vehicle leasing, online banking, wealth management, home and health insurance, as well as corporate- and investment-banking services such as securities execution, prime brokerage, and custody.
In 2023 the bank reported a net profit of €5.2 billion and a Common Equity Tier 1 (CET1) ratio of 13.4 %, comfortably above the European regulatory minimum. The cost-to-income ratio improved to 61 % from 63 % the prior year, reflecting ongoing digitisation and branch rationalisation. These metrics suggest a solid capital position and incremental efficiency gains, but the profit figure remains sensitive to net interest margin (NIM) fluctuations.
The primary macro-drivers of Société Générale’s performance are the Eurozone interest-rate environment, which directly impacts NIM, and the pace of economic recovery in France and Germany, the bank’s largest markets. Additionally, regulatory capital requirements and the competitive pressure from fintech entrants in retail banking are shaping strategic priorities, especially the push toward digital channels and fee-based services.
For a deeper, data-driven assessment of GLE’s valuation dynamics, you may find it useful to explore the analytical tools available on ValueRay.
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 -135.7%; Δ -1661 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 18.41% (prev 31.96%; Δ -13.54pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 1.65% (prev 2.65%; Δ -1.00pp) >=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 |
| (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 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.70
| 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 (= -17.45)% |
| 7. RoE 7.91% |
| 8. Rev. Trend 19.25% |
| 9. EPS Trend 2.83% |
What is the price of GLE shares?
Over the past week, the price has changed by +6.01%, over one month by +10.47%, over three months by +15.91% and over the past year by +147.18%.
Is GLE a buy, sell or hold?
What are the forecasts/targets for the GLE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 65.4 | 9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 82.8 | 38.1% |
GLE Fundamental Data Overview November 27, 2025
Market Cap EUR = 44.58b (44.58b EUR * 1.0 EUR.EUR)
P/E Trailing = 10.4107
P/E Forward = 8.4317
P/S = 1.7316
P/B = 0.622
P/EG = 0.9806
Beta = 0.962
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 = 4.73b EUR (44.58b + Debt 172.72b - CCE 212.56b)
Interest Coverage Ratio = 0.02 (Ebit TTM 817.0m / Interest Expense TTM 45.13b)
FCF Yield = -1143 % (FCF TTM -54.08b / Enterprise Value 4.73b)
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 = 18.41% ((Revenue TTM 25.89b - Cost of Revenue TTM 21.12b) / Revenue TTM)
Gross Margin QoQ = 81.73% (prev 29.57%)
Tobins Q-Ratio = 0.00 (Enterprise Value 4.73b / 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 = 17.71% (E(44.58b)/V(217.30b) * Re(7.26%) + D(172.72b)/V(217.30b) * Rd(26.13%) * (1-Tc(0.22)))
Discount Rate = 7.26% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -0.58%
Fair Price DCF = unknown (Cash Flow -54.08b)
EPS Correlation: 2.83 | EPS CAGR: 8.32% | SUE: 1.29 | # QB: 1
Revenue Correlation: 19.25 | Revenue CAGR: -0.92% | SUE: -0.10 | # QB: 0