(GLE) Societe Generale S.A. - PA
Sector: Financial Services | Industry: Banks - Regional | Exchange: PA (France) | Market Cap: 56.016m EUR | Total Return: 66.1% in 12m
Avg Turnover: 142M
EPS Trend: 61.7%
Qual. Beats: 3
Rev. Trend: 62.3%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
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: 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 -75.24%; Δ 116.9% > 0.5%) |
| Asset Turnover: 3.62% > 50% (prev 1.66%; Δ 1.96% > 0%) |
| Interest Coverage Ratio: 0.42 > 6 (EBIT TTM 14.3b / Interest Expense TTM 33.6b) |
| 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: 0.05 (Book Value of Equity 71.0b / Total Liabilities 1547b) |
| Altman-Z'' = -1.81 = 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 = -2.84 (Cap -4..+1) = A |
As of June 28, 2026, the stock is trading at EUR 76.78 with a total of 1,235,866 shares traded. Over the past week, the price has changed by -1.15%, over one month by +9.86%, over three months by +22.86% and over the past year by +66.14%.
Current recommended Stop Loss: 74.30 (which is 3.2% or 1.3 ATR below the current price).
Societe Generale S.A. has no consensus analysts rating.
P/E Trailing = 10.8991
P/E Forward = 10.101
P/S = 2.1721
P/B = 0.7949
P/EG = 2.1502
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 = 64.6b EUR (56.0b + Debt 163b - CCE 155b)
Interest Coverage Ratio = 0.42 (Ebit TTM 14.3b / Interest Expense TTM 33.6b)
EV/FCF = -2.23x (Enterprise Value 64.6b / FCF TTM -29.0b)
FCF Yield = -44.89% (FCF TTM -29.0b / Enterprise Value 64.6b)
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 64.6b / Total Assets 1627b)
Interest Expense / Debt = 20.57% (Interest Expense 33.6b / Debt 163b)
Taxrate = 20.51% (2.31b / 11.2b)
NOPAT = 11.3b (EBIT 14.3b * (1 - 20.51%))
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 = 1.17% (NOPAT 11.3b / Invested Capital 967b)
WACC = 14.19% (E(56.0b)/V(219b) * Re(7.91%) + D(163b)/V(219b) * Rd(20.57%) * (1-Tc(0.21)))
Discount Rate = 7.91% (= 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=1.94 | Chg30d=-1.10% | Revisions=N/A | Analysts=4
EPS next Quarter (2026-09-30): EPS=2.01 | Chg30d=+0.60% | Revisions=N/A | Analysts=4
EPS current Year (2026-12-31): EPS=7.69 | Chg30d=+0.10% | Revisions=+50% | GrowthEPS=+13.1% | GrowthRev=+2.2%
EPS next Year (2027-12-31): EPS=8.91 | Chg30d=-0.03% | Revisions=+14% | GrowthEPS=+15.9% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +50%