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French (CAC) Financials Sector Analysis

UpdatedDec 25, 2025
DataAggregated Company Financials
Companies55
  • 7D0.9%
  • 3M5.2%
  • 1Y35.7%
  • YTD32.3%

Over the last 7 days, the Financials industry has risen 2.4%, driven by gains from Société Générale Société anonyme of 1.6%. This means that the industry has gained 36% over the past year. As for the next few years, earnings are expected to grow by 7.3% per annum.

Sector Valuation and Performance

Has the French Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Thu, 25 Dec 2025€344.1b€241.9b€31.3b12x11x1.4x
Sat, 22 Nov 2025€313.3b€241.9b€31.3b11.3x10x1.3x
Mon, 20 Oct 2025€326.0b€241.6b€29.9b12.1x10.9x1.3x
Wed, 17 Sep 2025€332.4b€251.3b€32.5b11.8x10.2x1.3x
Fri, 15 Aug 2025€353.9b€251.3b€32.5b12x10.9x1.4x
Sun, 13 Jul 2025€337.7b€247.9b€34.5b12.7x9.8x1.4x
Tue, 10 Jun 2025€342.5b€247.9b€34.5b11.6x9.9x1.4x
Thu, 08 May 2025€333.5b€248.0b€34.5b11.4x9.7x1.3x
Sat, 05 Apr 2025€302.0b€233.9b€31.3b9.4x9.7x1.3x
Mon, 03 Mar 2025€314.6b€231.9b€31.8b9.3x9.9x1.4x
Wed, 29 Jan 2025€287.7b€242.0b€31.9b8.9x9x1.2x
Fri, 27 Dec 2024€263.2b€242.0b€31.9b8.1x8.3x1.1x
Sun, 24 Nov 2024€260.2b€230.6b€29.4b7.7x8.9x1.1x
Tue, 22 Oct 2024€276.4b€230.1b€27.5b8.4x10.1x1.2x
Thu, 19 Sep 2024€273.9b€230.1b€27.5b8.2x10x1.2x
Sat, 17 Aug 2024€259.0b€230.0b€27.4b8.9x9.4x1.1x
Mon, 15 Jul 2024€266.5b€224.7b€29.6b8.2x9x1.2x
Wed, 12 Jun 2024€263.0b€224.8b€29.6b8.3x8.9x1.2x
Fri, 10 May 2024€288.6b€225.3b€29.7b9.4x9.7x1.3x
Sun, 07 Apr 2024€278.9b€221.3b€28.1b8.9x9.9x1.3x
Tue, 05 Mar 2024€257.0b€243.2b€29.6b7.3x8.7x1.1x
Thu, 01 Feb 2024€282.6b€311.1b€36.0b9x7.9x0.9x
Sat, 30 Dec 2023€275.8b€311.6b€36.1b9x7.6x0.9x
Mon, 27 Nov 2023€259.4b€311.6b€37.5b8.2x6.9x0.8x
Wed, 25 Oct 2023€253.4b€309.6b€37.0b8.9x6.8x0.8x
Fri, 22 Sep 2023€272.4b€308.5b€37.0b8.7x7.4x0.9x
Sun, 20 Aug 2023€265.4b€309.4b€37.7b9x7x0.9x
Tue, 18 Jul 2023€267.6b€300.2b€29.7b9.6x9x0.9x
Thu, 15 Jun 2023€272.0b€300.1b€29.7b9.7x9.1x0.9x
Sat, 13 May 2023€277.5b€300.4b€29.4b9x9.4x0.9x
Mon, 10 Apr 2023€274.8b€293.0b€29.1b7.9x9.4x0.9x
Wed, 08 Mar 2023€289.1b€295.2b€31.2b7x9.3x1x
Fri, 03 Feb 2023€282.0b€300.3b€31.8b7.1x8.9x0.9x
Sun, 01 Jan 2023€252.4b€300.3b€31.8b6.3x7.9x0.8x
Price to Earnings Ratio

7.9x


Total Market Cap: €252.4bTotal Earnings: €31.8bTotal Revenue: €300.3bTotal Market Cap vs Earnings and Revenue0%0%0%
French Financials Sector Price to Earnings3Y Average 9.1x202320242025
Current Industry PE
  • Investors are optimistic on the French Financials industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 11.0x which is higher than its 3-year average PE of 9.1x.
  • The 3-year average PS ratio of 1.1x is lower than the industry's current PS ratio of 1.4x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have remained mostly flat over the last three years.
  • Meanwhile revenues for these companies have declined 6.9% per year.
  • This means that the cost of doing business could be reducing since sales have declined but profits have remained steady.

Industry Trends

Which industries have driven the changes within the French Financials sector?

FR Market0.19%
Financials0.94%
Capital Markets2.04%
Banks1.03%
Insurance0.43%
Diversified Financial0.32%
Mortgage Finance0%0
Consumer Finance0%0
Industry PE
  • Investors are most optimistic about the Capital Markets industry, which is trading close to its 3-year average PE ratio of 13.5x.
    • Analysts are expecting annual earnings growth of 5.6%, which is lower than the prior year's growth of 8.7% per year.
Forecasted Growth
  • Analysts are most optimistic on the Diversified Financial industry, expecting annual earnings growth of 62% over the next 5 years.
  • This is better than its past earnings growth rate of 48% per year.
  • In contrast, the Insurance industry is expected to see its earnings grow by 3.6% per year over the next few years.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
GLE Société Générale Société anonyme€67.981.6%
+€698.6m		156.6%PB0.7x
ACA Crédit Agricole€17.540.8%
+€438.7m		35.9%PB0.7x
AMUN Amundi€70.002.3%
+€326.0m		10.4%PE8.9x
CS AXA€41.140.4%
+€305.6m		22.5%PE11.8x
BNP BNP Paribas€80.520.5%
+€240.5m		39.9%PB0.7x

Latest News

ENX
€126.60
Euronext
7D
1.9%
1Y
18.4%

ENX Will Face Mixed Earnings Visibility Amid Moderating Trading And Listing Activity

The analyst fair value estimate for Euronext has been raised to EUR 120 from EUR 114, as analysts factor in slightly stronger profitability expectations despite moderating top line growth and only modestly higher valuation multiples. Analyst Commentary Recent Street research paints a mixed but generally cautious picture around Euronext, with price target revisions and rating changes highlighting both upside potential and persistent execution risks.
EDEN
€18.45
Edenred
7D
-2.4%
1Y
-41.1%

EDEN: Index Inclusion Will Support Upside Despite Recent Price Objective Cuts

Analysts have trimmed their price target on Edenred, cutting fair value from EUR 49.00 to EUR 42.00 as they factor in slightly slower revenue growth, modestly lower profit margins, and a higher discount rate in line with recent Street target reductions. Analyst Commentary Recent Street updates reflect a more measured but still constructive stance on Edenred, with price targets adjusted to reflect macro uncertainty and sector-wide de-rating rather than company specific execution issues.
SCR
€28.42
SCOR
7D
2.1%
1Y
22.4%

SCR: Rising Reinsurance Pricing And Margin Discipline Will Support Future Upside

The analyst price target for SCOR has edged higher to EUR 31.76 from EUR 31.98, as analysts factor in a slightly lower discount rate, marginally improved profit margin expectations, and supportive upward target revisions from major brokerage houses. Analyst Commentary Recent Street research reflects a generally constructive stance on SCOR, with multiple upward revisions to price targets alongside one modest downgrade.
PLX
€13.21
Pluxee
7D
-0.9%
1Y
-27.7%

PLX: Future Dividend Stream Will Outweigh Emerging Brazil Regulatory Headwinds

Analysts have trimmed their price target on Pluxee by roughly EUR 1.50 per share. This reflects a slightly higher discount rate on softer revenue growth expectations, partly offset by improved margin and valuation assumptions amid evolving regulatory risks in Brazil.
ACA
€17.54
Crédit Agricole
7D
0.8%
1Y
35.9%

ACA: Future Earnings Will Balance Lower Expectations And Medium Term Execution Risks

Analysts have nudged their price target for Crédit Agricole slightly lower, trimming it by around EUR 0.50 to reflect more cautious assumptions on revenue growth while acknowledging resilient profitability and modestly higher valuation multiples ahead. Analyst Commentary Recent Street research reflects a more balanced stance on Crédit Agricole, with modestly lower price targets but no major change in overall ratings, suggesting the stock is seen as fairly valued against realistic growth and return expectations.
BNP
€80.52
BNP Paribas
7D
0.5%
1Y
39.9%

BNP: Digital And Defense Finance Will Shape Balanced Long-Term Risk Reward

BNP Paribas's analyst fair value estimate has been nudged higher to EUR 88.66 from EUR 88.31, as analysts temper top line growth expectations while slightly improving profit margin assumptions following a series of modest price target cuts across the Street. Analyst Commentary Street research on BNP Paribas has turned more mixed, with several houses trimming price targets and one recent downgrade, even as the bank's earnings resilience keeps long term value intact in many models.
ALAUD
€5.30
Audacia
7D
-17.2%
1Y
56.8%
CS
€41.14
AXA
7D
0.4%
1Y
22.5%

CS: Lower Discount Rate Will Support Stronger Forward Earnings Appeal

Analysts have nudged their price target on AXA slightly higher to approximately €45.07 from about €45.04, citing a marginally lower discount rate and modest improvements in projected profit margins that together support a slightly richer valuation multiple. Valuation Changes Fair Value has risen slightly from approximately €45.04 to about €45.07, reflecting a marginal uplift in the intrinsic valuation estimate.
GLE
€67.98
Société Générale Société anonyme
7D
1.6%
1Y
156.6%

GLE Re Rating Will Expose Overoptimistic Profitability Assumptions Through 2027

The analyst fair value estimate for Société Générale Société anonyme has been raised from EUR 38.92 to EUR 53.60 as analysts factor in stronger expected revenue growth and higher profit margins, reflected in a series of recent price target increases across the Street. Analyst Commentary Recent Street research on Société Générale Société anonyme has generally tilted positive, with multiple price target increases and at least one rating upgrade reflecting rising confidence in the bank's earnings power through 2027.
AMUN
€70.00
Amundi
7D
2.3%
1Y
10.4%

AMUN: Distribution Partnerships And Earnings Guidance Will Shape Future Performance Balance

Amundi's analyst price target has inched higher by about EUR 0.70 to EUR 74.50, as analysts modestly upgrade fair value assumptions and future earnings expectations despite continued uncertainty around distribution agreements. Analyst Commentary Recent research updates present a mixed but generally constructive view on Amundi, with price targets moving both higher and lower as analysts reassess growth, distribution risks, and valuation.
MLFIR
€50.00
Firstcaution
7D
-11.5%
1Y
37.4%
CRAP
€128.00
Caisse Régionale de Crédit Agricole Mutuel Alpes Provence Société coopérative
7D
-1.9%
1Y
55.9%
LTA
€29.50
Altamir
7D
-2.0%
1Y
34.1%
PEUG
€75.10
Peugeot Invest Société anonyme
7D
-1.1%
1Y
4.5%
CAF
€122.80
Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France
7D
3.3%
1Y
87.2%
FMONC
€116.00
Financière Moncey Société anonyme
7D
-2.9%
1Y
-16.7%